Unsecured Funding

Westpac Euro Medium Term Note Program

Issuer: Westpac Banking Corporation

Rating	Long	Short
S&P	AA-	A-1+
Moody's	Aa3	P-1

Program information

Program type	(EMTN) - Euro Medium Term Note (Senior and Subordinated)
Currency	Multi
Size	USD 70.0bn
Paying agent	The Bank of New York Mellon
Dealers	Barclays Bank plc; BNP Paribas; Citigroup Global Markets Limited; Daiwa Capital Markets Singapore Limited; Deutsche Bank AG, London Branch; Goldman Sachs International; HSBC Bank plc; J.P. Morgan Securities Plc.; Merrill Lynch International; Mizuho Securities Asia Limited; Morgan Stanley & Co. International plc; MUFG Securities EMEA plc; Nomura International Plc; RBC Europe Limited; SMBC Nikko Capital Markets Limited; Societe Generale; Standard Chartered Bank; UBS AG, London Branch; The Toronto-Dominian Bank; Westpac Banking Corporation
Offer Document and Supplements	WBC EMTN Offering Memorandum dated 10 November 2023 (PDF 2MB) Supplement dated 20 February 2024 to the Prospectus dated 10 November 2023 (PDF 203KB) WBC EMTN Information Memorandum (Subordinated) dated 10 November 2023 (PDF 1MB)
Documents Incorporated By Reference in Offer Document (other than Westpac Annual Reports, which are available at westpac.com.au/about-westpac/investor-centre/financial-information/)	WBC EMTN Offering Memorandum dated 11 November 2022 (PDF 2MB) WBC EMTN Offering Memorandum dated 8 November 2021 (PDF 2MB) WBC EMTN Offering Memorandum dated 11 November 2020 (PDF 1MB) WBC EMTNOffering Memorandum dated 11 November 2019 (PDF 1MB) WBC EMTN Offering Memorandum dated 8 November 2018 (PDF 1MB) WBC EMTN Offering Memorandum dated 10 November 2017 (PDF 1018KB) WBC EMTN Offering Memorandum dated 11 November 2016 (PDF 915KB) WBC EMTN Offering Memorandum dated 12 November 2015 (PDF 911KB) WBC EMTN Offering Memorandum dated 14 November 2014 (PDF 628KB) WBC EMTN Offering Memorandum dated 15 November 2013 (PDF 912KB) WBC EMTN Base Prospectus dated 16 November 2012 (PDF 1MB) WBC EMTN Base Prospectus dated 16 November 2011 (PDF 858KB) WBC EMTN Base Prospectus dated 17 November 2010 (PDF 709KB) WBC EMTN Base Prospectus dated 16 November 2009 (PDF 526KB) WBC EMTN Base Prospectus dated 7 November 2008 (PDF 482KB) WBC EMTN Base Prospectus dated 9 November 2007 (PDF 555KB)

Westpac Euro Commercial Paper and Certificate of Deposit Program

Issuer: Westpac Banking Corporation*

Rating	Long	Short
S&P	AA-	A-1+
Moody's	Aa3	P-1

Program information

Program type	Euro Commercial Paper and Certificate of Deposit
Currency	Multi
Size	USD 20.0bn
Paying agent	The Bank of New York Mellon
Dealers	Banc of America Securities Limited; Barclays Bank PLC; Citibank Europe Plc; The Royal Bank of Scotland plc; UBS Limited; and Westpac Banking Corporation London Branch and Sydney Branch
Offer Document	Westpac ECP/CD Information Memorandum (PDF 424KB)

* WSNZL (Guaranteed by WNZL) is also an issuer on this program. See details under the heading 'Westpac Securities NZ Limited (WSNZL) – Programs'

Westpac US Commercial Paper Program

Issuer: Westpac Banking Corporation

Rating	Long	Short
S&P	AA-	A-1+
Moody's	Aa3	P-1

Program information

Program type	Section 4(a)2 US Commercial Paper
Currency	Multi
Size	USD 45.0bn
Paying agent	Bank of America, N.A.
Dealers	Barclays Capital Inc.; Citigroup Global Markets Inc.; Goldman, Sachs & Co. LLC; J.P. Morgan Securities LLC; Merrill Lynch, Pierce, Fenner & Smith Incorporated; Morgan Stanley & Co. LLC and Wells Fargo Securities

Westpac US 144A Program

Issuer: Westpac Banking Corporation

Rating	Long	Short
S&P	AA-	A-1+
Moody's	Aa3	P-1

Program information

Program type	US Medium Term Note Programme (Rule 144A and Reg S)
Currency	USD
Size	USD 35.0bn
Paying agent	The Bank of New York Mellon
Arranger	J.P. Morgan Securities LLC
Dealers	Barclays Capital Inc.; Citigroup Global Markets Inc.; Deutsche Bank Securities Inc.; Goldman, Sachs & Co. LLC; HSBC Securities (USA) Inc.; Merrill Lynch, Pierce, Fenner & Smith Incorporated; Morgan Stanley & Co. LLC; RBC Capital Markets, LLC; UBS AG, London Branch; UBS Securities LLC; Wells Fargo Securities, LLC; Westpac Capital Markets LLC and Westpac Banking Corporation

Westpac Australian Domestic Debt Program

Issuer: Westpac Banking Corporation

Rating	Long	Short
S&P	AA-	A-1+
Moody's	Aa3	P-1

Program information

Program type	Medium Term Note (Senior and Subordinated)
Currency	Multi
Size	N/A
Paying agent	BTA Institutional Services Australia Limited
Dealers	Westpac Banking Corporation
Offer Documents	Westpac Domestic Debt Program Information Memorandum (PDF 1MB)

Westpac Securities NZ Limited (WSNZL)

Find out more about Westpac Securities NZ Limited.

WSNZL - US Commercial Paper Program

Issuer: Westpac Securities NZ Limited (guaranteed by Westpac New Zealand Limited)

Program rating	Long	Short
S&P	AA-	A-1+
Moody's	A1	P-1

Program information

Program type	Section 4(a)2 US Commercial Paper
Currency	Multi
Size	USD 10bn
Paying agent	Deutsche Bank Trust Company Americas
Dealers	Barclays Capital Inc. LLC; Citigroup Global Markets Inc.; Goldman, Sachs & Co. LLC; J.P. Morgan Securities LLC.; BofA Securities Inc; Morgan Stanley & Co. LLC; Wells Fargo Securities, LLC; and BNY Mellon Capital Markets, LLC

WSNZL - Euro Medium Term Note Program

Issuer: Westpac Securities NZ Limited (guaranteed by Westpac New Zealand Limited)

Program rating	Long	Short
S&P	AA-	A-1+
Moody's	A1	P-1

Program information

Program type	(EMTN) - Euro Medium Term Note
Currency	Multi
Size	USD 10bn
Paying agent	The Bank of New York Mellon
Dealers	Barclays Bank PLC; BNP Paribas; Citigroup Global Markets Limited; Deutsche Bank AG; London Branch; Goldman Sachs International; The Hongkong and Shanghai Banking Corporation Limited; J.P. Morgan Securities Plc.; Merrill Lynch International; Morgan Stanley & Co. International plc; Nomura International plc; UBS AG, London Branch; and Westpac Banking Corporation
Offer Document and Supplements	WSNZL EMTN Base Prospectus dated 22 December 2022 (PDF 1MB)

WSNZL - Euro Commercial Paper and Certificate of Deposit Program

This program is constituted under the same program documents as Westpac Banking Corporation Euro Commercial Paper and Certificate of Deposit Program.

Issuer: Westpac Securities NZ Limited (guaranteed by Westpac New Zealand Limited)

Program rating	Long	Short
S&P	AA-	A-1+
Moody's	A1	P-1

Program information

Program type	Euro Commercial Paper and Certificate of Deposit
Currency	Multi
Size	USD 20.0bn
Paying agent	The Bank of New York Mellon
Dealers	Banc of America Securities Limited; Barclays Bank PLC; Citibank Europe Plc; The Royal Bank of Scotland plc; UBS Limited; and Westpac Banking Corporation London Branch and Sydney Branch
Offer Document	Westpac ECP/CD Information Memorandum (PDF 424KB)

Westpac New Zealand Limited (WNZL)

Find out more about Westpac New Zealand Limited.

WNZL Domestic Medium Term Note Program

Issuer: Westpac New Zealand Limited

Rating	Long	Short
S&P	AA-	A-1+
Moody's	A1	P-1

Program information

Program type	Medium Term Note
Currency	NZD
Size	N/A
Paying agent	Link Market Services Limited
Dealers	Westpac Banking Corporation (NZ branch)
Offer Document	WNZL MTN Product Disclosure Statement dated 20 December 2022 (PDF 171KB)

WNZL Domestic RCD Program

Issuer: Westpac New Zealand Limited

Rating	Long	Short
S&P	AA-	A-1+
Moody's	A1	P-1

Program information

Program type	Registered Certificate of Deposit
Currency	NZD
Size	N/A
Paying agent	N/A
Dealers	N/A
Deed Poll	WNZL RCD Deed Poll (PDF 2MB)

WNZL US 144A Program

Issuer: Westpac New Zealand Limited

Rating	Long	Short
S&P	AA-	A-1+
Moody's	A1	P-1

Program information

Program type	US Medium Term Note Programme (Rule 144A and Reg S)
Currency	USD
Size	USD 10.0bn
Paying agent	The Bank of New York Mellon
Arranger	Citigroup Global Markets Inc.
Dealers	Barclays Capital Inc., BofA Securities, Inc., Deutsche Bank Securities Inc., Goldman Sachs & Co. LLC, HSBC Securities (USA) Inc., J.P. Morgan Securities LLC, Morgan Stanley & Co. LLC, RBC Capital Markets, LLC, TD Securities (USA) LLC, UBS Securities LLC and Westpac Banking Corporation