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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
Aa3
Stable
Standard & Poor's              
A-1+ AA- Negative

Westpac New Zealand Limited

Agency Short term Long term Outlook
Fitch Ratings            
F1+ AA- Stable
Moody's Investors Service          
P-1
A1 Stable
Standard & Poor's              
A-1+ AA- Negative

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

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