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Our businesses


Westpac Group's portfolio of financial services brands and businesses is focused on our vision to be one of the World’s great service companies, helping our customers, communities and people to prosper and grow.

From ensuring consumer customers can save and invest with confidence, to serving the financial needs of multi-national corporate, institutional and government clients, we put our customers at the centre of everything we do.

In supporting our vision, our structure is designed to  align our divisions with key customer segments.  The structure involves 5 key divisions including:  Consumer Bank, Business Bank, BT Financial Group, Westpac Institutional Bank and Westpac New Zealand.  Through these 5 divisions we serve over 13 million customers.  

Consumer Bank  

The Consumer Bank is responsible for sales and service for around 9 million consumer customers in Australia, assisting them with their banking and financial needs. The division covers all consumer banking products and services under the Westpac, St.George, BankSA, Bank of Melbourne and RAMS brands.

Activities are conducted through the Consumer Bank’s nationwide network of 1,429 branches, third party distributors, call centres, 3,850 automatic teller machines (ATMs), EFTPOS terminals and internet and mobile banking services. 

Business Bank

The Business Bank is responsible for sales and service for small-to-medium enterprise, commercial and agribusiness customers in Australia. The division operates under the Westpac, St.George, BankSA and Bank of Melbourne brands.

Business and corporate customers (businesses with facilities typically up to $150 million) are provided with a wide range of banking and financial products and services, including specialist advice for cash flow finance, trade finance, automotive and equipment finance, property finance, transaction banking and treasury services. Sales and service activities for business and corporate customers are conducted by relationship managers via business banking centres, internet and customer service centre channels. 

BT Financial Group

BT Financial Group (BTFG) is the wealth management arm of the Westpac Group. BTFG designs, creates and distributes financial products and services that help customers achieve their financial goals by administering, managing and protecting their assets.

BTFG operations include the manufacture and distribution of investment, superannuation and retirement products, investment platforms including BT Panorama, BT Wrap and Asgard, private banking and financial advice as well as equity capability and broking. Insurance solutions cover the manufacturing and distribution of life, general and lenders mortgage insurance.

BTFG brands include:

Westpac Institutional Bank

Westpac Institutional Bank (WIB) delivers a broad range of financial services to commercial, corporate, institutional and government customers.

WIB operates through dedicated industry relationship and specialist product teams, with expert knowledge in transactional banking, financial and debt capital markets, specialised capital, margin lending, broking and alternative investment solutions.

Customers are supported through operations located in Australia, New Zealand, United States, United Kingdom and key Asian centres.

Other Westpac Institutional Bank brands:  

Westpac New Zealand

Westpac New Zealand is one of New Zealand's largest banking organisations. It has, since 1861, provided a full range of banking, wealth management and insurance products to more than 1.3 million New Zealand consumer and small to medium sized business customers. Westpac New Zealand operates via an extensive network of 193 branches (including agency sites) and 628 ATMs across both the North and South islands. It has more than 645,000 registered online banking users.

New Zealand Banking provides a full range of retail and commercial, and wealth management products and services to consumer and business customers throughout New Zealand. New Zealand Banking operates under the ‘Westpac New Zealand’, ‘Westpac Life New Zealand’ and ‘BT New Zealand’ brands.