Westpac's executive team

As at 1 February 2008

Gail Kelly Dip. ED, BA, MBA, Doctor of Bus (Charles Sturt University) Age 51
Chief Executive Officer

Gail was appointed Chief Executive Officer and Managing Director of Westpac on 1 February 2008.

Immediately prior to this, she served as Chief Executive Officer and Managing Director of St George Bank for five and a half years. During this period, St George doubled its assets and net profit after tax. Between October 1997 and December 2001, Gail was employed at the Commonwealth Bank as General Manager, Strategic Marketing, and later became Head of Customer Service and a member of the Bank's Executive Committee.

Gail began her career at Nedcor Bank, one of the largest banks in South Africa, where she held various General Manager positions, including HR, cards and personal banking.

Gail is currently a Director of Melbourne Business School Limited and member of the Financial Services Advisory Council.

Ilana Atlas BJur(Hons), LLB(Hons), LLM Age 52
Group Executive, People & Performance

Ilana joined Westpac in 2000 as Group Secretary and General Counsel. In October 2002 she was appointed to her present role, and is accountable for people strategy and management. She was previously a partner of Mallesons Stephen Jaques, where she worked extensively as a corporate lawyer and in managerial roles including human resources and as managing partner.

Andrew Carriline BCom LLB Age 47
Chief Risk Officer

After joining Westpac in 1996, Andrew played a key role in Westpac's extensive outsourcing and M&A agenda, including the sale of AGC and acquisition of BT and Rothschild. Since 2002, Andrew has had a number of senior roles in Risk and Sourcing areas of Westpac. Andrew's current responsibilities include Group Risk, Group Operational Risk and Compliance, Group Secretariat and General Counsel. Prior to joining Westpac, Andrew practiced law firstly in the public sector at the Commonwealth Attorney-General's Department and then in private practice at Freehills.

Philip Chronican BCom(Hons), MBA, FFin Age 51
Group Executive, Westpac Institutional Bank

Phil was appointed Group Executive, Westpac Institutional Bank in December 2005, responsible for Westpac's relationships with corporate, institutional and government clients in Australia and worldwide, as well as the business areas of financial markets, debt capital markets, specialised capital, structured investments and transactional banking. In addition, Phil has geographic responsibility for Westpac's Asian and Pacific Island business. Phil has been with Westpac in a broad variety of positions in Australia and in New Zealand since 1982. His previous roles included business group Chief Financial Officer roles in both retail and institutional banking, Deputy CFO and then Group Chief Financial Officer from February 2001.

Peter Clare BCom, MBA Age 44
Group Executive, Consumer Financial Services

Peter joined Westpac as Group Executive, Consumer Financial Services in March 2008, with responsibility for sales, service, third party consumer product relationships and product development for our consumer customers across Australia, and retail branch operations in Singapore and Hong Kong. Prior to joining Westpac Peter was Group Executive, Group Technology and Operations of St George Bank following five years as Group Executive Strategy with St George. Prior to that Peter worked for the Commonwealth Bank of Australia between 1997 and 2002 in a range of senior roles, covering strategy, merger programs, operations and performance improvement. He has also worked in management consultancy and accountancy roles.

Phil Coffey BEc(Hons) Age 49
Chief Financial Officer

Phil was appointed Chief Financial Officer (CFO) in December 2005, with responsibility for Westpac finance, tax, treasury, and investor relations functions. He joined Westpac in 1996, and was appointed Group Executive, Westpac Institutional Bank in 2002. Previously with AIDC and Citicorp, he had over ten years experience in funds management and financial markets, including roles in the UK and New Zealand. He began his career with the Reserve Bank of Australia.

Rob Coombe Age 44
Chief Executive Officer, BT Financial Group

Rob joined Westpac with the acquisition of the BT Financial Group in 2002 and has over 23 years experience in banking, finance and wealth management. Rob was appointed CEO of BT in January 2005 and leads a team of over 3,000 people across private banking, insurance, advice, funds management and wealth and superannuation solutions. He started with BT in 1991 and has held a number of positions, including Senior Legal Counsel, Head of BT's International Funds Management and CEO of BT's Funds Management business in Malaysia. Rob has also led BT in the development, packaging, distribution, administration and service of BT's range of retail products, margin lending, corporate super, discount broking and wrap platform businesses. Rob is actively involved in industry issues and has recently been appointed to the Board of Investment and Financial Services Association Limited (IFSA).

Bruce McLachlan
Acting CEO, Westpac New Zealand Limited

Bruce was appointed Acting CEO New Zealand on 9 June 2008. He was formerly General Manager Consumer Banking New Zealand, from November 2007. Prior to that appointment he held the role of General Manager Business Banking for a period of five years. Bruce joined Westpac in 2000 as a project manager, moving into the role of Head of Private and Priority Banking in November 2000. Prior to Westpac, Bruce gained experience with the National Australia Bank in Melbourne, BNZ Finance and the Reserve Bank of New Zealand.

Brad Cooper DipBM, MBA, FAIM Age 45
Group Chief Transformation Officer

Brad was appointed Group Chief Transformation Officer on 9 June 2008, to lead the merger implementation planning and integration. Brad was Chief Executive and Group Executive, Westpac New Zealand Limited from April 2007 until this appointment. Prior to joining Westpac, Brad was Chairman of GE Capital Bank and Chief Executive Officer of GE Consumer Finance UK & Ireland. He drove GE's UK Six Sigma program and was certified as a Quality Leader (Black Belt) in December 2002. He was promoted to Chief Executive Officer of GE Consumer Finance UK in January 2003 and appointed Chairman of GE Capital Bank in April 2004.

Peter Hanlon BA(Comms), C Tech (Aero Eng), AMP (Harvard) Age 52
Group Executive, Business Financial Services

As Group Executive, Business Financial Services, Peter is responsible for business banking sales, relationship management, customer service, and product and risk management conducted by Westpac across Australia. Prior to this position, he has held several other senior roles in Westpac including General Manager roles in Marketing, Branch Banking and Consumer Credit. Peter joined Westpac in 1995 from the State Bank of South Australia where he was the Chief Manager of Sales and Service. Prior to his banking career, Peter served in The Royal Australian Air Force.

Diane Sias B.EC, MBA, Age 49
Group Executive, Business & Technology Solutions & Services

Diane rejoined Westpac as Group Executive, Business & Technology Solutions & Services in September 2007. Diane is responsible for information technology, all back-office operations, outsourcing governance, property and corporate services. She oversees Westpac's control frameworks against fraud, money laundering and the financing of terrorism, and has accountability for business continuity services and physical security. Prior to rejoining, Diane was a partner with McKinsey & Company where she led major transformation projects with a focus on post merger integration and organisational restructuring. Between 1990 and 2000 Diane worked for Westpac in a range of executive level roles. Prior to 1990, Diane worked in Sydney and Hong Kong for PA Consulting Group, focusing on performance improvement for retail financial institutions.

Richard Willcock LLB, BA (Hons), MBA Age 48
Group Secretary and General Counsel

Richard joined Westpac in 1997 as Senior Counsel, Institutional and International Banking Group and was appointed to his present role in February 2003 with responsibility for the management and delivery of company secretarial, legal and compliance services to the Westpac Board, executive and business. Prior to his current appointment he was General Manager, Risk, for BT Financial Group. Richard previously practiced law in private practice from 1982 and was a partner at law firm Abbot Tout.

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