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2019 annual reporting suite

Bringing together Westpac Group’s 2019 financial, non-financial and sustainability performance

CEO's letter


The 2019 financial year was a watershed year for the banking industry, and for Westpac. In response to the issues highlighted by the Royal Commission and our Culture, Governance, and Accountability (CGA) self-assessment, various regulatory actions across the industry, and a rapidly evolving competitive environment, we have made significant changes to the way we serve customers, to our business structure, and in the technology we use to support our people and our customers.

Download CEO's letter (PDF 601KB)
Watch Results video

Chairman's report


This year has been a challenging period for the financial services sector, and for Westpac. At an industry level, the repercussions from the Royal Commission have continued, self-assessments into governance, culture and accountability have been completed, and there has been an increase in regulatory actions and remediation costs. Our financial performance was disappointing, although our balance sheet, liquidity and credit quality remain strong.

Download Chairman's report (PDF 213KB)

2019 year in review

Delivering value for customers, shareholders, employees and the community.

Sustainability performance

We have a long history in sustainability, recognised as a global banking leader in the Dow Jones Sustainability Indices (DJSI) for 18 years in a row – this year ranking as Australia’s most sustainable bank and ninth globally.

Annual General Meeting

Will be held on Thursday, 12 December 2019 at the International Convention Centre, Sydney commencing at 10:00am (Sydney time). It will be webcast live on our website.


Westpac’s 2019 Full Year reporting suite includes our Annual Review and Sustainability Report, Annual Report, Full Year Financial Results, Investor Discussion Pack, Sustainability Performance Report, Pillar 3 Report and other shareholder information including a financial calendar.

2019 Annual Review and Sustainability Report

Download PDF (PDF 3MB)

2019 Annual Report

Download PDF (PDF 6MB)

2019 Sustainability Performance Report

Download PDF (PDF 6MB)

2019 Full Year Financial Results

Download PDF (PDF 2MB)

Investor Discussion Pack

Download PDF (PDF 4MB)

2019 Corporate Governance Statement

Download PDF (PDF 2MB)

2019 Pillar 3 Report

Download PDF (PDF 1MB)

2019 Notice of Meeting

Download PDF (PDF 610KB)