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Credit ratings

Westpac Banking Corporation
Agency	Short term	Long term	Outlook
Fitch Ratings	F1+	AA	Stable
Moody's Investors Service	P-1	Aa2	Stable
Standard & Poor's	A-1+	AA-	Stable

Westpac New Zealand Limited
Agency	Short term	Long term	Outlook
Fitch Ratings	F1+	AA	Stable
Moody's Investors Service	P-1	Aa3	Stable
Standard & Poor's	A-1+	AA-	Stable

For more information on what our credit ratings mean you can visit the following websites:

www.standardandpoors.com.au
www.moodys.com.au
www.fitchratings.com

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This information does not take your circumstances into account. Read the relevant Product Disclosure Statements or other disclosure documents before making a decision. Unless otherwise specified, the products and services described on this website are available only in Australia from Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714. Conditions and fees apply.