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["Ref","Section name","Table names"]
[1.1000000000000001,"Group performance","Performance summary"]
[1.2,"Group performance","Key financial information"]
[1.3,"Group performance","Impact of Notable Items"]
[1.4,"Group performance","Net interest income"]
[1.5,"Group performance","Loans"]
[1.6,"Group performance","Deposits and other borrowings"]
[1.7,"Group performance","Loans and deposits market share and system multiple metrics"]
[1.8,"Group performance","Non-interest income"]
[1.9,"Group performance","Markets related income"]
[1.1000000000000001,"Group performance","Operating expenses"]
[1.1100000000000001,"Group performance","Credit impairment charges"]
[1.1200000000000001,"Group performance","Credit quality"]
[1.1299999999999999,"Group performance","Balance sheet"]
[1.1399999999999999,"Group performance","Funding and liquidity risk management"]
[1.1499999999999999,"Group performance","Capital and dividends"]
[2.1,"Segment reporting","Segment reporting"]
[2.2000000000000002,"Segment reporting","Consumer"]
[2.2999999999999998,"Segment reporting","Business & Wealth"]
[2.4,"Segment reporting","Westpac Institutional Bank (WIB)"]
[2.5,"Segment reporting","Westpac New Zealand"]
[2.6,"Segment reporting","Group Businesses"]
[3.1,"Financial statements","Consolidated income statement"]
[3.2,"Financial statements","Consolidated statement of comprehensive income"]
[3.3,"Financial statements","Consolidated balance sheet"]
[3.4,"Financial statements","Consolidated statement of changes in equity"]
[3.5,"Financial statements","Consolidated cash flow statement"]
[3.6,"Financial statements","Net interest income and average balance sheet and interest rates"]
[4.0999999999999996,"Supplementary information","Net profit by segment"]
[4.2,"Supplementary information","Impact of Notable Items by segment"]
[4.3,"Supplementary information","Notable Items - Economic hedges and hedge ineffectiveness by segment"]
[4.4000000000000004,"Supplementary information","Net profit excluding Notable Items by segment"]
[]
[]
[]
["This document has been prepared to assist in the review and consideration of Westpac’s 2025 Interim Report. No representation or warranty is made as to the accuracy, completeness or reliability of the information in this document. Investors, and potential investors, should refer to the 2025 Interim Report available at www.westpac.com.au. "]
[]
[]
[]
[]
["All footnotes for the related tables and glossary of abbreviations and defined terms can be found in the 2025 Interim Report."]

{"sheet":"1.1","index":1,"n_rows":31,"n_cols":6,"rows_kept":31,"cut":false,"hidden":false,"merged":[]}
["Group performance",null,null,null,null,"Home"]
["1.1 Performance summary"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Net interest income",9351,9626,9127,-3,2]
["Non-interest income",1442,1372,1463,5,-1]
["Net operating income",10793,10998,10590,-2,2]
["Operating expenses",-5698,-5549,-5395,3,6]
["Pre-provision profit",5095,5449,5195,-6,-2]
["Impairment (charges)/benefits",-250,-175,-362,43,-31]
["Profit before income tax expense",4845,5274,4833,-8,0]
["Income tax expense",-1520,-1626,-1491,-7,2]
["Profit after income tax expense",3325,3648,3342,-9,-1]
["Profit attributable to non-controlling interests (NCI)",-8,0,0,0,0]
["Net profit attributable to owners of WBC",3317,3648,3342,-9,-1]
["Notable Items",-140,41,-164,"large",-15]
["Effective tax rate",31.37,30.83,30.85,54,52]
[]
[]
["Performance summary excluding Notables Items","  "]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Net interest income",9569,9565,9351,0,2]
["Non-interest income",1424,1382,1465,3,-3]
["Net operating income",10993,10947,10816,0,2]
["Operating expenses",-5698,-5549,-5395,3,6]
["Pre-provision profit",5295,5398,5421,-2,-2]
["Impairment (charges)/benefits",-250,-175,-362,43,-31]
["Profit before income tax expense",5045,5223,5059,-3,0]
["Income tax expense",-1580,-1616,-1553,-2,2]
["Profit after income tax expense",3465,3607,3506,-4,-1]
["Profit attributable to non-controlling interests (NCI)",-8,0,0,0,0]
["Net profit attributable to owners of WBC",3457,3607,3506,-4,-1]

{"sheet":"1.2","index":2,"n_rows":60,"n_cols":6,"rows_kept":60,"cut":false,"hidden":false,"merged":[]}
["Group performance",null,null,null,null,"Home"]
["1.2 Key financial information"]
[null,"Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Shareholder value"]
["Basic earnings per ordinary share (cents)",96.7,105.4,95.6,-8,1]
["Basic earnings per ordinary share (ex Notable Items) (cents)",100.8,104.2,100.3,-3,0]
["Diluted earnings per ordinary share (cents)",96,102.5,91.6,-6,5]
["Diluted earnings per ordinary share (ex Notable Items) (cents)",99.8,101.4,95.8,-2,4]
["Weighted average ordinary shares (millions)",3428,3457,3494,-1,-2]
["Fully franked ordinary dividends per share (cents)",76,76,75,0,1]
["Fully franked special dividend per share (cents)",0,0,15,0,-100]
["Dividend payout ratio",78.39,71.600000000000009,77.830000000000013,"large",56]
["Dividend payout ratio (ex Notable Items)",75.22,72.410000000000011,74.19,281,103]
["Return on average ordinary equity",9.42,10.24,9.3000000000000007,-82,12]
["Return on average ordinary equity (ex Notable Items)",9.81,10.130000000000001,9.75,-32,6]
["Return on average tangible equity (ROTE)",10.63,11.55,10.48,-92,15]
["ROTE (ex Notable Items)",11.08,11.42,10.99,-34,9]
["Average ordinary equity ($m)",70584,71145,71841,-1,-2]
["Average tangible ordinary equity ($m)",62519,63077,63753,-1,-2]
["Average total equity ($m)",70928,71214,71884,0,-1]
["Net tangible asset per ordinary share ($)",17.97,17.75,17.82,1,1]
[]
["Business performance"]
["Group",1.88,1.97,1.89,-9,-1]
["Core NIM",1.8,1.83,1.8,-3,0]
["Treasury & Markets impact on NIM",0.12,0.13,0.14000000000000001,-1,-2]
["Notable Items impact on NIM",-0.04,0.01,-0.05,"large",1]
["Average interest earning assets ($m)",996701,975402,964708,2,3]
["Return on average assets",0.6,0.68,0.64,-8,-4]
["Expense to income ratio",52.79,50.45,50.94,234,185]
["Expense to income ratio (ex Notable Items)",51.83,50.69,49.88,114,195]
["Full time equivalent employees (FTE)",35969,35240,35348,2,2]
["Revenue per FTE ($ '000's)",304,313,300,-3,1]
[]
["Capital, funding and liquidity"]
["Level 2 common equity Tier 1 capital ratio"]
["- Australian Prudential Regulation Authority (APRA)",12.24,12.49,12.55,-25,-31]
["- Internationally comparable",18.22,18.27,18.55,-5,-33]
["Credit RWA ($m)",353233,351724,344633,0,2]
["Total risk weighted assets (RWA) ($m)",449495,437430,444417,3,1]
["Liquidity coverage ratio (LCR)",135.495,132.94999999999999,132.399,255,310]
["Net stable funding ratio (NSFR)",115.11,112.43,113.86,268,125]
["Deposit to loan ratio",84.48,83.5,82.94,98,154]
[]
["Credit quality and impairment charges"]
["Gross impaired exposures to gross loans",0.25,0.24,0.19,1,6]
["Gross impaired exposures provisions to gross impaired exposures",40.880000000000003,41.28,46.6,-40,"large"]
["Collectively assessed provisions to credit RWA",126,130,136,-4,-10]
["Total provisions to credit RWA",144,145,149,-1,-5]
["Total committed exposure (TCE) ($bn)",1288,1252,1240,3,4]
["Total stressed exposures as a % of TCE",1.36,1.45,1.36,-9,0]
["Total provisions to gross loans",61,63,65,-2,-4]
["Mortgages 90+ day delinquencies",0.83,1.05,1,-22,-17]
["Other consumer loans 90+ day delinquencies",1.26,1.4,1.4,-14,-14]
["Impairment charges/(benefits) to average loans",6,4,9,2,-3]
[]
["Balance sheet ($m)"]
["Loans",824808,806767,784839,2,5]
["Total assets",1098893,1077544,1052661,2,4]
["Customer deposits",696762,673615,650946,3,7]

{"sheet":"1.3","index":3,"n_rows":27,"n_cols":4,"rows_kept":27,"cut":false,"hidden":false,"merged":[]}
["Group performance",null,null,"Home"]
["1.3 Impact of Notable Items"]
["$m","Economic hedges","Hedge ineffectiveness","Total"]
["Half Year March 2025"]
["Net interest income",-149,-69,-218]
["Non-interest income",18,0,18]
["Net operating income",-131,-69,-200]
["Operating expenses",0,0,0]
["Pre-provision profit",-131,-69,-200]
["Income tax (expense)/benefit and NCI",39,21,60]
["Net profit/(loss)",-92,-48,-140]
["Half Year Sept 2024"]
["Net interest income",52,9,61]
["Non-interest income",-10,0,-10]
["Net operating income",42,9,51]
["Operating expenses",0,0,0]
["Pre-provision profit",42,9,51]
["Income tax (expense)/benefit and NCI",-7,-3,-10]
["Net profit/(loss)",35,6,41]
["Half Year March 2024"]
["Net interest income",-223,-1,-224]
["Non-interest income",-2,0,-2]
["Net operating income",-225,-1,-226]
["Operating expenses",0,0,0]
["Pre-provision profit",-225,-1,-226]
["Income tax (expense)/benefit and NCI",62,0,62]
["Net profit/(loss)",-163,-1,-164]

{"sheet":"1.4","index":4,"n_rows":22,"n_cols":6,"rows_kept":22,"cut":false,"hidden":false,"merged":[]}
["Group performance",null,null,null,null,"Home"]
["1.4 Net interest income"]
[null,"Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Net interest income ($m)"]
["Net interest income",9351,9626,9127,-3,2]
["Core net interest income",8960,8940,8668,0,3]
["Notable Items",-218,61,-224,"large",-3]
["Treasury",495,496,560,0,-12]
["Markets",114,129,123,-12,-7]
["Average interest earning assets ($m)"]
["Loans",755530,739728,725592,2,4]
["Housing",505748,504205,496471,0,2]
["Personal",10900,11423,12085,-5,-10]
["Business",238882,224100,217036,7,10]
["Liquid assets",209408,204192,208340,3,1]
["Other interest-earning assets",31763,31482,30776,1,3]
["Average interest earning assets",996701,975402,964708,2,3]
["NIM (%)"]
["NIM",1.88,1.97,1.89,-9,-1]
["Core NIM",1.8,1.83,1.8,-3,0]
["Treasury & Markets impact on NIM",0.12,0.13,0.14000000000000001,-1,-2]
["Notable Items impact on NIM",-0.04,0.01,-0.05,"large",1]

{"sheet":"1.5","index":5,"n_rows":21,"n_cols":6,"rows_kept":21,"cut":false,"hidden":false,"merged":[]}
["Group performance",null,null,null,null,"Home"]
["1.5 Loans"]
["$m","As at\n31 March\n2025","As at\n30 Sept\n2024","As at\n31 March\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Australia",720195,704907,685810,2,5]
["Housing",484582,473435,461743,2,5]
["RAMS (in runoff)",25600,29836,33315,-14,-23]
["Personal",9365,9403,9707,0,-4]
["Business",204642,194138,181985,5,12]
["Auto finance",0,2116,3054,-100,-100]
["Provisions",-3994,-4021,-3994,-1,0]
[]
["New Zealand (A$)",94187,94137,92887,0,1]
[]
["New Zealand (NZ$)",103614,102463,101175,1,2]
["Housing",69515,68011,67378,2,3]
["Personal",1175,1151,1178,2,0]
["Business",33457,33802,33143,-1,1]
["Provisions",-533,-501,-524,6,2]
[]
["Other overseas (A$)",10426,7723,6142,35,70]
["Total loans",824808,806767,784839,2,5]

{"sheet":"1.6","index":6,"n_rows":26,"n_cols":6,"rows_kept":26,"cut":false,"hidden":false,"merged":[]}
["Group performance",null,null,null,null,"Home"]
["1.6 Deposits and other borrowings"]
["$m","As at\n31 March\n2025","As at\n30 Sept\n2024","As at\n31 March\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Customer deposits"]
["Australia",614458,593795,570488,3,8]
["Transactions ",113433,110393,114120,3,-1]
["Savings ",209035,197415,186945,6,12]
["Term",158944,157282,148110,1,7]
["Non-interest bearing",133046,128705,121313,3,10]
[]
["New Zealand (A$)",73586,73201,72378,1,2]
[]
["New Zealand (NZ$)",80950,79676,78837,2,3]
["Transactions ",9412,9595,9133,-2,3]
["Savings ",20674,19433,20103,6,3]
["Term",38836,39451,37685,-2,3]
["Non-interest bearing",12028,11197,11916,7,1]
[]
["Other overseas (A$)",8718,6619,8080,32,8]
["Total customer deposits",696762,673615,650946,3,7]
[]
["Certificates of deposit",42488,46874,51280,-9,-17]
["Australia",27777,33215,35727,-16,-22]
["New Zealand (A$)",1887,1711,2414,10,-22]
["Other overseas (A$)",12824,11948,13139,7,-2]
["Total deposits and other borrowings",739250,720489,702226,3,5]

{"sheet":"1.7","index":7,"n_rows":30,"n_cols":4,"rows_kept":30,"cut":false,"hidden":false,"merged":[]}
["Group performance",null,null,"Home"]
["1.7 Loans and deposits market share and system multiple metrics"]
[]
["Market share"]
[null,"As at\n31 March\n2025","As at\n30 Sept\n2024","As at\n31 March\n2024"]
["Australia"]
["ADI System (APRA)"]
["Housing credit",21,21,21]
["Personal credit cards",22,21,21]
["Business credit",16,16,15]
["Household deposits",21,21,21]
["Business deposits",18,18,18]
["New Zealand (Reserve Bank of New Zealand (RBNZ))"]
["Consumer lending",18,18,18]
["Business lending",16,16,16]
["Deposits",17,17,18]
[]
["System multiples "]
[null,"Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024"]
["Australia"]
["ADI System (APRA)"]
["Housing credit",0.5,0.7,1.2]
["Personal credit cards","n/a",0.6,1]
["Business credit",1.4,1.7,0.4]
["Household deposits",1,1.1000000000000001,1.1000000000000001]
["Business deposits",0.9,"large",1.1000000000000001]
["New Zealand (RBNZ)"]
["Consumer lending",0.9,0.4,1.3]
["Business lending","n/a","large","n/a"]
["Deposits",0.5,0.69999999999999929,"n/a"]

{"sheet":"1.8","index":8,"n_rows":19,"n_cols":6,"rows_kept":19,"cut":false,"hidden":false,"merged":[]}
["Group performance",null,null,null,null,"Home"]
["1.8 Non-interest income"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Net fee income",840,830,842,1,0]
["Net wealth management income",239,223,218,7,10]
["Trading and other income",363,319,403,14,-10]
["Total non-interest income",1442,1372,1463,5,-1]
[]
["Non-interest income is composed of:"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Non-interest income (Ex Notable Items)"]
["Net fee income",840,830,842,1,0]
["Net wealth management income",239,223,218,7,10]
["Trading and other income",345,329,405,5,-15]
["Total non-interest income (Ex Notable Items)",1424,1382,1465,3,-3]
["Notable Items"]
["Trading and other income",18,-10,-2,"large","large"]
["Total non-interest income - Notable Items",18,-10,-2,"large","large"]
["Total non-interest income",1442,1372,1463,5,-1]

{"sheet":"1.9","index":9,"n_rows":10,"n_cols":6,"rows_kept":10,"cut":false,"hidden":false,"merged":[]}
["Group performance",null,null,null,null,"Home"]
["1.9 Markets related income"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Net interest income",114,129,123,-12,-7]
["Non-interest income",336,310,367,8,-8]
["Markets income",450,439,490,3,-8]
[]
["Sales and risk management income",469,435,502,8,-7]
["Derivative valuation adjustment",-19,4,-12,"large",58]
["Markets income",450,439,490,3,-8]

{"sheet":"1.10","index":10,"n_rows":38,"n_cols":6,"rows_kept":38,"cut":false,"hidden":false,"merged":[]}
["Group performance",null,null,null,null,"Home"]
["1.10 Operating expenses"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Staff expenses",-3115,-2968,-2931,5,6]
["Occupancy expenses",-318,-348,-352,-9,-10]
["Technology expenses",-1480,-1441,-1323,3,12]
["Other expenses",-785,-792,-789,-1,-1]
["Total operating expenses",-5698,-5549,-5395,3,6]
["Expense to income ratio (Ex Notable Items)",51.83,50.69,49.88,114,195]
[]
["Full Time Equivalent (FTE) employees"]
[]
["Number of FTE","As at\n31 March\n2025","As at\n30 Sept\n2024","As at\n31 March\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Permanent employees",34168,33583,33395,2,2]
["Temporary employees",1801,1657,1953,9,-8]
["FTE",35969,35240,35348,2,2]
["Average FTE",35522,35171,35337,1,1]
[]
[]
["Investment spend"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Expensed",521,578,414,-10,26]
["Capitalised software, fixed assets and prepayments",327,442,322,-26,2]
["Total",848,1020,736,-17,15]
["UNITE",251,114,33,120,"large"]
["Growth and productivity",244,339,211,-28,16]
["Risk and regulatory",353,567,492,-38,-28]
["Total",848,1020,736,-17,15]
[]
["Capitalised software"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Balance as at beginning of period",2675,2658,2797,1,-4]
["Total additions",347,463,329,-25,5]
["Amortisation expense",-485,-447,-442,9,10]
["Impairment expense",0,0,-19,0,-100]
["Foreign exchange movements",-5,1,-7,"large",-29]
["Balance as at end of period",2532,2675,2658,-5,-5]
["Average amortisation period (years)",2.8,3,3.2,"(0.2) years","(0.4) years"]

{"sheet":"1.11","index":11,"n_rows":15,"n_cols":6,"rows_kept":15,"cut":false,"hidden":false,"merged":[]}
["Group performance",null,null,null,null,"Home"]
["1.11 Credit impairment charges"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Individually assessed provisions (IAPs)"]
["New IAPs",-251,-210,-213,20,18]
["Write-backs",89,63,30,41,197]
["Recoveries",115,100,90,15,28]
["Total IAPs, write-backs and recoveries",-47,-47,-93,0,-49]
["Collectively assessed provisions (CAPs)"]
["Write-offs",-279,-275,-211,1,32]
["Other changes in CAPs",76,147,-58,-48,"large"]
["Total CAPs",-203,-128,-269,59,-25]
["Total credit impairment (charges)/benefits",-250,-175,-362,43,-31]
["Impairment charges/(benefits) to average loans",6,4,9,2,-3]
["Net write-offs to average gross loans",6,6,5,0,1]

{"sheet":"1.12","index":12,"n_rows":61,"n_cols":6,"rows_kept":61,"cut":false,"hidden":false,"merged":[]}
["Group performance",null,null,null,null,"Home"]
["1.12 Credit quality"]
[]
["Credit quality key metrics"]
[null,"As at\n31 March\n2025","As at\n30 Sept\n2024","As at\n31 March\n2024"]
["Stressed exposures by credit grade as a % of TCE:"]
["Impaired",0.16,0.16,0.12]
["Non performing, 90+ days past due",0.37,0.47,0.46]
["Non performing, less than 90 days past due",0.28000000000000003,0.23,0.24]
["Watchlist and substandard",0.55000000000000004,0.59,0.54]
["Total stressed exposures",1.36,1.45,1.36]
[" "]
["Gross impaired exposures to TCE for business and institutional:"]
["Business Australia",0.54,0.65,0.47]
["Business New Zealand",0.31,0.32,0.38]
["Institutional",7.0000000000000007E-2,0.04,0.03]
[" "]
["Mortgage 90+ day delinquencies:"]
["Group",0.83,1.05,1]
["Australia",0.86,1.1200000000000001,1.06]
["New Zealand",0.54,0.49,0.47]
[" "]
["Other consumer loans 90+ day delinquencies:"]
["Group",1.26,1.4,1.4]
["Australia",1.3,1.47,1.45]
["New Zealand",0.95,0.87,0.96]
[" "]
["Other:"]
["Gross impaired exposures to gross loans",0.25,0.24,0.19]
["Gross impaired exposure provisions to gross impaired exposures",40.880000000000003,41.28,46.6]
["Total provisions to gross loans",61,63,65]
["Collectively assessed provisions to credit risk weighted assets",126,130,136]
["Total provisions to credit risk weighted assets",144,145,149]
[]
["Movement in gross impaired exposures"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Balance as at beginning of period",1955,1500,1302,30,50]
["New and increased - individually managed",418,417,284,0,47]
["Write-offs",-364,-343,-277,6,31]
["Returned to performing or repaid",-128,-166,-122,-23,5]
["Portfolio managed - new/increased/returned/repaid",217,552,318,-61,-32]
["Exchange rate and other adjustments",0,-5,-5,-100,-100]
["Balance as at end of period",2098,1955,1500,7,40]
[]
["Provisioning"]
["$m","As at\n31 March\n2025","As at\n30 Sept\n2024","As at\n31 March\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Provision for expected credit losses (ECL) on loans and credit commitments"]
["Collectively assessed provisions"]
["Modelled provision",4321,4369,4400,-1,-2]
["Overlays",130,179,260,-27,-50]
["Total collectively assessed provisions",4451,4548,4660,-2,-4]
["Individually assessed provisions",611,536,461,14,33]
["Total provision for ECL on loans and credit commitments",5062,5084,5121,0,-1]
["Provision for ECL on debt securities at amortised cost",4,6,8,-33,-50]
["Provision for ECL on debt securities at FVOCI",6,6,6,0,0]
["Total provision for ECL",5072,5096,5135,0,-1]
[]
["Scenario weightings (%)","As at\n31 March\n2025","As at\n30 Sept\n2024","As at\n31 March\n2024"]
["Upside",5,5,5]
["Base",50,52.5,52.5]
["Downside",45,42.5,42.5]

{"sheet":"1.13","index":13,"n_rows":28,"n_cols":6,"rows_kept":28,"cut":false,"hidden":false,"merged":[]}
["Group performance",null,null,null,null,"Home"]
["1.13 Balance sheet "]
["$m","As at\n31 March\n2025","As at\n30 Sept\n2024","As at\n31 March\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Assets"]
["Loans",824808,806767,784839,2,5]
["Housing",573711,566081,557263,1,3]
["Personal",10440,11238,11951,-7,-13]
["Business",245235,234016,220207,5,11]
["Provision for expected credit losses",-4578,-4568,-4582,0,0]
["Liquid assets",204249,200682,201364,2,1]
["All other assets",69836,70095,66458,0,5]
["Total assets",1098893,1077544,1052661,2,4]
["Liabilities"]
["Customer deposits",696762,673615,650946,3,7]
["Transactions",123096,119944,123354,3,0]
["Savings",228929,216256,206391,6,11]
["Term",199612,197230,187625,1,6]
["Non-interest bearing",145125,140185,133576,4,9]
["Certificates of deposit",42488,46874,51280,-9,-17]
["Debt issues",171864,169284,159781,2,8]
["Term funding from central banks",2740,2777,12507,-1,-78]
["Loan capital",40703,37883,37280,7,9]
["All other liabilities",71983,75059,68307,-4,5]
["Total liabilities",1026540,1005492,980101,2,5]
["Equity"]
["Total equity attributable to owners of WBC",72015,71705,72522,0,-1]
["Non-controlling interest",338,347,38,-3,"large"]
["Total equity",72353,72052,72560,0,0]

{"sheet":"1.14","index":14,"n_rows":37,"n_cols":7,"rows_kept":37,"cut":false,"hidden":false,"merged":[[33,1,33,2],[33,3,33,4],[33,5,33,6],[20,1,20,2],[20,3,20,4],[20,5,20,6]]}
["Group performance",null,null,null,null,null,"Home"]
["1.14 Funding and liquidity risk management"]
["LCR"]
["$m","Quarter\nMarch\n2025","Quarter\nSept\n2024","Quarter\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["High Quality Liquid Assets (HQLA)",182824,172722,181530,6,1]
["Total LCR liquid assets",182824,172722,181530,6,1]
["Cash outflows in a modelled 30-day APRA defined stressed scenario"]
["Customer deposits",97841,95133,95017,3,3]
["Wholesale funding",12264,8715,13521,41,-9]
["Other flows",24825,26067,28570,-5,-13]
["Total",134930,129915,137108,4,-2]
["LCR",135.495,132.94999999999999,132.399,254.50000000000159,309.60000000000036]
[]
["NSFR"]
["$m","As at\n31 March\n2025","As at\n30 Sept\n2024","As at\n31 March\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Available stable funding",767463,736202,720483,4,7]
["Required stable funding",666726,654798,632775,2,5]
["Net stable funding ratio",115.11,112.43,113.86,267.99999999999926,125]
[]
["Funding by residual maturity"]
[null,"As at 31 March 2025",null,"As at 30 Sept 2024",null,"As at 31 March 2024"]
[null,"$m","Ratio %","$m","Ratio %","$m","Ratio %"]
["Customer deposits",696762,67.5,673615,66.900000000000006,650946,65.900000000000006]
["Wholesale funding"]
["Short term",82066,7.9,82590,8.1999999999999993,80289,8.1]
["Long term - less than or equal to one year residual maturity",29390,2.8,31790,3.2,44145,4.5]
["Long term - more than one year residual maturity",145480,14.2,140458,13.9,133895,13.5]
["Securitisation",6502,0.6,5539,0.6,6097,0.7]
["Total wholesale funding",263438,25.5,260377,25.9,264426,26.8]
["Equity",72131,7,72052,7.2,72407,7.3]
["Total funding",1032331,100,1006044,100,987779,100]
[]
["Deposit to loan ratio"]
[null,"As at 31 March 2025",null,"As at 30 Sept 2024",null,"As at 31 March 2024"]
[null,"$m","Ratio %","$m","Ratio %","$m","Ratio %"]
["Customer deposits",696762,null,673615,null,650946]
["Loans",824808,84.48,806767,83.5,784839,82.94]

{"sheet":"1.15","index":15,"n_rows":120,"n_cols":6,"rows_kept":120,"cut":false,"hidden":false,"merged":[]}
["Group performance",null,null,null,null,"Home"]
["1.15 Capital and dividends"]
[]
[null,"As at","As at","As at","% Mov't","% Mov't"]
[null,"31 March","30 Sept","31 March","Mar 25","Mar 25"]
[null,2025,2024,2024,"- Sept 24","- Mar 24"]
["Level 2 regulatory capital structure"]
["Common equity Tier 1 (CET1) capital after deductions ($m)",55007,54648,55764,1,-1]
["Risk weighted assets (RWA) ($m)",449495,437430,444417,3,1]
["CET1 capital ratio",12.24,12.49,12.55,-25,-31.00000000000005]
["Additional Tier 1 capital ratio",2.31,2.33,2.46,-2.0000000000000018,-14.999999999999991]
["Tier 1 capital ratio",14.55,14.82,15.01,-26.999999999999957,-45.999999999999908]
["Tier 2 capital ratio",7.06,6.56,6.42,50,63.999999999999972]
["Total regulatory capital ratio",21.61,21.38,21.43,23.000000000000043,17.999999999999972]
["APRA leverage ratio",5.2,5.3,5.49,-9.9999999999999645,-29.000000000000004]
["Level 1 regulatory capital structure"]
["CET1 capital after deductions ($m)",51087,50454,51999,1,-2]
["Risk weighted assets ($m)",408792,397719,406397,3,1]
["Level 1 CET1 capital ratio",12.5,12.69,12.8,-18.99999999999995,-30.000000000000071]
[]
["Internationally comparable capital ratios"]
[]
[null,"As at","As at","As at","% Mov't","% Mov't"]
[null,"31 March","30 Sept","31 March","Mar 25","Mar 25"]
["%",2025,2024,2024,"- Sept 24","- Mar 24"]
["Internationally comparable capital ratios"]
["CET1 capital ratio",18.22,18.27,18.55,-5.0000000000000711,-33.000000000000185]
["Tier 1 capital ratio",21.31,21.33,21.83,-1.9999999999999574,-51.999999999999957]
["Total regulatory capital ratio",30.76,29.93,30.41,83.000000000000185,35.000000000000142]
["Leverage ratio",5.66,5.78,5.95,-12.000000000000011,-29.000000000000004]
[]
["Risk Weighted Assets (RWA)"]
[null,"As at","As at","As at","% Mov't","% Mov't"]
[null,"31 March","30 Sept","31 March","Mar 25","Mar 25"]
["$m",2025,2024,2024,"- Sept 24","- Mar 24"]
["Credit risk:"]
["Corporate",30140,25976,25269,16,19]
["Business lending",26373,25033,23426,5,13]
["Property finance",31612,32196,30386,-2,4]
["Large corporate",20471,21035,20558,-3,0]
["Sovereign",2173,2047,1919,6,13]
["Financial institution",15174,13694,13088,11,16]
["Residential mortgages",116954,116228,115918,1,1]
["Australian credit cards",3523,3565,3789,-1,-7]
["Other retail",3395,3995,4259,-15,-20]
["Small business",16531,17123,17378,-3,-5]
["Specialised lending",4588,3695,3276,24,40]
["Securitisation",8010,7821,7317,2,9]
["Standardised",19951,25414,26668,-21,-25]
["New Zealand",48345,48142,46490,0,4]
["Other assets",5993,5760,4892,4,23]
["Total credit risk",353233,351724,344633,0,2]
["Market risk",8478,9555,11251,-11,-25]
["Operational risk",48521,48196,54934,1,-12]
["Interest rate risk in the banking book (IRRBB)",39263,27955,33599,40,17]
["Total risk weighted assets",449495,437430,444417,3,1]
[]
["Capital adequacy"]
[null,"As at","As at","As at"]
[null,"31 March","30 Sept","31 March"]
["$m",2025,2024,2024]
["Tier 1 capital"]
["CET1 capital"]
["Paid up ordinary capital",37354,37958,38944]
["Treasury shares",-877,-815,-815]
["Equity based remuneration",2116,2028,1994]
["Foreign currency translation reserve",-385,-471,-332]
["Accumulated other comprehensive income",-625,-617,-238]
["Non-controlling interests - other",3,8,38]
["Retained earnings",33451,32773,32179]
["Less retained earnings in life and general insurance, funds management and securitisation entities",-387,-357,-399]
["Deferred fees",356,350,305]
["Total CET1 capital",71006,70857,71676]
["Deductions from CET1 capital"]
["Goodwill",-8066,-8071,-8050]
["Deferred tax assets",-2343,-2377,-2186]
["Capitalised expenditure",-2289,-2349,-2333]
["Capitalised software",-2527,-2668,-2658]
["Investments in subsidiaries not consolidated for regulatory purposes",-175,-154,-136]
["Securitisation",-1,-9,-16]
["Defined benefit superannuation fund surplus",-211,-215,-146]
["Equity investments",-219,-235,-234]
["Regulatory adjustments to fair value positions",-168,-131,-153]
["Total deductions from CET1 capital",-15999,-16209,-15912]
["Total CET1 capital after deductions",55007,54648,55764]
["Additional Tier 1 capital"]
["Basel III complying instruments",10413,10225,10956]
["Total Additional Tier 1 capital",10413,10225,10956]
["Deductions from Additional Tier 1 capital"]
["Holdings of own and other financial institutions Additional Tier 1 capital instruments",-26,-30,-26]
["Total deductions from Additional Tier 1 capital",-26,-30,-26]
["Net Additional Tier 1 regulatory capital",10387,10195,10930]
["Net Tier 1 regulatory capital",65394,64843,66694]
["Tier 2 capital"]
["Basel III complying instruments",31531,28293,28067]
["Eligible general reserve for credit loss",729,770,896]
["Total Tier 2 capital",32260,29063,28963]
["Deductions from Tier 2 capital"]
["Holdings of own and other financial institutions Tier 2 capital instruments",-518,-368,-410]
["Total deductions from Tier 2 capital",-518,-368,-410]
["Net Tier 2 regulatory capital",31742,28695,28553]
["Total regulatory capital",97136,93538,95247]
["Risk weighted assets",449495,437430,444417]
["CET1 capital ratio",12.24,12.49,12.55]
["Additional Tier 1 capital ratio",2.31,2.33,2.46]
["Tier 1 capital ratio",14.55,14.82,15.01]
["Tier 2 capital ratio",7.06,6.56,6.42]
["Total regulatory capital ratio",21.61,21.38,21.43]
[]
["Dividends"]
[null,"Half year","Half year","Half year","% Mov't","% Mov't"]
[null,"March","Sept","March","Mar 25","Mar 25"]
[null,2025,2024,2024,"- Sept 24","- Mar 24"]
["Ordinary dividend - Interim (cents per share)",76,0,75,0,1]
["Ordinary dividend - Final (cents per share)",0,76,0,-100,0]
["Total ordinary dividend (cents per share)",76,76,75,0,1]
["Special dividend (cents per share)",0,0,15,0,-100]
["Ordinary dividend payout ratio",78.39,71.600000000000009,77.830000000000013,"large",56]
["Ordinary dividend payout ratio (ex Notable Items)",75.22,72.410000000000011,74.19,281,103]
["Adjusted franking credit balance ($m)",3522,3504,3321,1,6]

{"sheet":"2.1","index":16,"n_rows":45,"n_cols":7,"rows_kept":45,"cut":false,"hidden":false,"merged":[]}
["Segment reporting",null,null,null,null,null,"Home"]
["2.1 Segment reporting"]
["$m","Consumer","Business & Wealth","Westpac Institutional Bank","Westpac\nNew Zealand (A$)","Group\nBusinesses","Group"]
["Half Year March 2025"]
["Net interest income",3852,2697,1177,1236,607,9569]
["Non-interest income",280,396,619,121,8,1424]
["Notable Items",0,0,0,-1,-199,-200]
["Net operating income ",4132,3093,1796,1356,416,10793]
["Operating expenses",-2420,-1368,-791,-665,-454,-5698]
["Total operating expenses",-2420,-1368,-791,-665,-454,-5698]
["Pre-provision profit",1712,1725,1005,691,-38,5095]
["Impairment (charges)/benefits",-142,-117,39,-30,0,-250]
["Profit before income tax (expense)/benefit",1570,1608,1044,661,-38,4845]
["Income tax (expense)/benefit and NCI",-482,-490,-286,-185,-85,-1528]
["Net profit/(loss)",1088,1118,758,476,-123,3317]
["Net profit includes impact of:"]
["Notable Items (post tax)",0,0,0,-1,-139,-140]
["Half Year September 2024"]
["Net interest income",3861,2722,1150,1217,615,9565]
["Non-interest income",273,389,599,135,-14,1382]
["Notable Items",0,0,0,-2,53,51]
["Net operating income ",4134,3111,1749,1350,654,10998]
["Operating expenses",-2422,-1370,-756,-616,-385,-5549]
["Total operating expenses",-2422,-1370,-756,-616,-385,-5549]
["Pre-provision profit",1712,1741,993,734,269,5449]
["Impairment (charges)/benefits",-104,-47,-19,-3,-2,-175]
["Profit before income tax (expense)/benefit",1608,1694,974,731,267,5274]
["Income tax (expense)/benefit and NCI",-482,-513,-288,-203,-140,-1626]
["Net profit/(loss)",1126,1181,686,528,127,3648]
["Net profit includes impact of:"]
["Notable Items (post tax)",0,0,0,-2,43,41]
["Half Year March 2024"]
["Net interest income",3771,2616,1090,1171,703,9351]
["Non-interest income",255,409,666,122,13,1465]
["Notable Items",0,0,0,-6,-220,-226]
["Net operating income ",4026,3025,1756,1287,496,10590]
["Operating expenses",-2365,-1256,-709,-646,-419,-5395]
["Total operating expenses",-2365,-1256,-709,-646,-419,-5395]
["Pre-provision profit",1661,1769,1047,641,77,5195]
["Impairment (charges)/benefits",-144,-95,-101,-22,0,-362]
["Profit before income tax (expense)/benefit",1517,1674,946,619,77,4833]
["Income tax (expense)/benefit and NCI",-459,-499,-265,-174,-94,-1491]
["Net profit/(loss)",1058,1175,681,445,-17,3342]
["Net profit includes impact of:"]
["Notable Items (post tax)",0,0,0,-4,-160,-164]

{"sheet":"2.2","index":17,"n_rows":41,"n_cols":6,"rows_kept":41,"cut":false,"hidden":false,"merged":[]}
["Segment reporting",null,null,null,null,"Home"]
["2.2 Consumer"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Net interest income",3852,3861,3771,0,2]
["Non-interest income",280,273,255,3,10]
["Net operating income ",4132,4134,4026,0,3]
["Operating expenses",-2420,-2422,-2365,0,2]
["Total operating expenses",-2420,-2422,-2365,0,2]
["Pre-provision profit",1712,1712,1661,0,3]
["Impairment (charges)/benefits",-142,-104,-144,37,-1]
["Profit before income tax expense",1570,1608,1517,-2,3]
["Income tax expense and NCI",-482,-482,-459,0,5]
["Net profit",1088,1126,1058,-3,3]
[]
["Expense to income ratio",58.57,58.59,58.74,-2,-17]
["Net interest margin",1.7,1.7,1.69,0,1]
[]
["$bn","As at\n31 March\n2025","As at\n30 Sept\n2024","As at\n31 March\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Customer deposits"]
["Transactions",46.3,46.6,47.4,-1,-2]
["Savings",170.5,159,148,7,15]
["Term",66.2,65.599999999999994,66,1,0]
["Mortgage offsets",68,63.3,59.9,7,14]
["Total customer deposits",351,334.5,321.3,5,9]
["Loans"]
["Housing",484.6,473.5,461.9,2,5]
["RAMS (in runoff)",25.6,29.8,33.299999999999997,-14,-23]
["Other",8.8000000000000007,8.8000000000000007,9,0,-2]
["Provisions",-1.8,-1.8,-1.8,0,0]
["Total loans",517.20000000000005,510.3,502.4,1,3]
["Deposit to loan ratio",67.86,65.540000000000006,63.95,232,391]
["Total assets",529,521.79999999999995,514.70000000000005,1,3]
["TCE",600.6,594.20000000000005,586.4,1,2]
["Risk weighted assets",165.1,174.4,174.8,-5,-6]
["Average interest earning assets",454.9,453.7,446.1,0,2]
["Average allocated capital",23.3,24,24,-3,-3]
["Credit quality"]
["Impairment charges/(benefits) to average loans",0.06,0.04,0.06,2,0]
["Mortgage 90+ day delinquencies",0.86,1.1200000000000001,1.06,-26,-20]
["Other consumer loans 90+ day delinquencies",1.28,1.23,1.17,5,11]
["Total stressed exposures to TCE",0.99,1.1000000000000001,1.04,-11,-5]

{"sheet":"2.3","index":18,"n_rows":42,"n_cols":6,"rows_kept":42,"cut":false,"hidden":false,"merged":[]}
["Segment reporting",null,null,null,null,"Home"]
["2.3 Business & Wealth"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Net interest income",2697,2722,2616,-1,3]
["Non-interest income",396,389,409,2,-3]
["Net operating income ",3093,3111,3025,-1,2]
["Operating expenses",-1368,-1370,-1256,0,9]
["Total operating expenses",-1368,-1370,-1256,0,9]
["Pre-provision profit",1725,1741,1769,-1,-2]
["Impairment (charges)/benefits",-117,-47,-95,149,23]
["Profit before income tax expense",1608,1694,1674,-5,-4]
["Income tax expense and NCI",-490,-513,-499,-4,-2]
["Net profit",1118,1181,1175,-5,-5]
[]
["Expense to income ratio",44.23,44.04,41.52,19,271]
["Net interest margin",5.09,5.37,5.34,-28,-25]
[]
["$bn","As at\n31 March\n2025","As at\n30 Sept\n2024","As at\n31 March\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Customer deposits"]
["Transactions",65.599999999999994,65.2,62.9,1,4]
["Savings",30.5,29.1,30.1,5,1]
["Term",52.1,50,47.6,4,9]
["Total customer deposits",148.19999999999999,144.30000000000001,140.6,3,5]
["Loans"]
["  Commercial/SME",105.8,99.1,93,7,14]
["  Pacific",1.5,1.3,1.3,15,15]
["Business lending",107.3,100.4,94.3,7,14]
["Other",1.4,1.4,1.4,0,0]
["Auto finance",0,2.1,3.1,-100,-100]
["Provisions",-1.9,-1.9,-1.9,0,0]
["Total loans",106.8,102,96.9,5,10]
["Deposit to loan ratio",138.74,141.47999999999999,145.1,-274,"large"]
["Total assets",112.1,107.1,102.4,5,9]
["TCE",141.9,137.80000000000001,131.19999999999999,3,8]
["Risk weighted assets",91.3,92.9,89.1,-2,2]
["Average interest earning assets",106.2,101.3,98,5,8]
["Average allocated capital",12,11.7,11.5,3,4]
["Total funds",152.10000000000002,150.80000000000001,147,1,3]
["Credit quality"]
["Impairment charges/(benefits) to average loans",0.22,0.09,0.2,13,2]
["Impaired exposures to TCE",0.56999999999999995,0.68,0.54,-11,3]
["Total stressed exposures to TCE",5.26,5.56,5.52,-30,-26]

{"sheet":"2.4","index":19,"n_rows":45,"n_cols":6,"rows_kept":45,"cut":false,"hidden":false,"merged":[]}
["Segment reporting",null,null,null,null,"Home"]
["2.4 Westpac Institutional Bank (WIB)"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Net interest income",1177,1150,1090,2,8]
["Non-interest income",619,599,666,3,-7]
["Net operating income ",1796,1749,1756,3,2]
["Operating expenses",-791,-756,-709,5,12]
["Total operating expenses",-791,-756,-709,5,12]
["Pre-provision profit",1005,993,1047,1,-4]
["Impairment (charges)/benefits",39,-19,-101,"large","large"]
["Profit before income tax expense",1044,974,946,7,10]
["Income tax expense and NCI",-286,-288,-265,-1,8]
["Net profit",758,686,681,10,11]
[]
["Expense to income ratio",44.04,43.22,40.380000000000003,82,366]
["Net interest margin",1.76,1.82,1.85,-6,-9]
[]
["$bn","As at\n31 March\n2025","As at\n30 Sept\n2024","As at\n31 March\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Customer deposits"]
["Transactions and others",66.5,64.2,66.2,4,0]
["Savings",10,10.4,9.8000000000000007,-4,2]
["Term",45.8,45.2,39.299999999999997,1,17]
["Total customer deposits",122.3,119.8,115.3,2,6]
["Loans"]
["Loans",107.5,101,93.4,6,15]
["Provisions",-0.5,-0.4,-0.4,25,25]
["Total loans",107,100.6,93,6,15]
["Deposit to loan ratio",114.35,119.1,124,"large","large"]
["Total assets",140.6,137.19999999999999,123.1,2,14]
["TCE",231,216.2,215.7,7,7]
["Risk weighted assets",86.7,83,81,4,7]
["Average interest earning assets",134.19999999999999,126.6,117.9,6,14]
["Average allocated capital",10.3,9.6999999999999993,9.6,6,7]
["Credit quality"]
["Impairment charges/(benefits) to average loans",-7.0000000000000007E-2,0.04,0.22,"large","large"]
["Impaired exposures to TCE",0.12,0.05,0.05,7,7]
["Total stressed exposures to TCE",0.78,0.76,0.63,2,15]
[]
["Net operating income contribution"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Lending and deposit revenue",1296,1289,1272,1,2]
["Sales and risk management income",421,391,455,8,-7]
["DVA",-19,4,-12,"large",58]
["Other",98,65,41,51,139]
["Net operating income contribution",1796,1749,1756,3,2]

{"sheet":"2.5","index":20,"n_rows":75,"n_cols":6,"rows_kept":75,"cut":false,"hidden":false,"merged":[]}
["Segment reporting",null,null,null,null,"Home"]
["2.5 Westpac New Zealand"]
["NZ$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Net interest income",1365,1332,1258,2,9]
["Non-interest income",133,148,131,-10,2]
["Notable Items",-1,-3,-6,-67,-83]
["Net operating income ",1497,1477,1383,1,8]
["Operating expenses",-734,-674,-695,9,6]
["Total operating expenses",-734,-674,-695,9,6]
["Pre-provision profit",763,803,688,-5,11]
["Impairment (charges)/benefits",-33,-4,-23,"large",43]
["Profit before income tax expense",730,799,665,-9,10]
["Income tax expense and NCI",-205,-221,-188,-7,9]
["Net profit",525,578,477,-9,10]
["Notable Items (post tax)",-1,-1,-5,0,-80]
[]
["Expense to income ratio (Ex Notable Items)",49,45.54,50.04,346,-104]
["Net interest margin (Ex Notable Items)",2.2599999999999998,2.23,2.11,3,15]
[]
["NZ$bn","As at\n31 March\n2025","As at\n30 Sept\n2024","As at\n31 March\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Customer deposits"]
["Transactions and others",21.4,20.8,21,3,2]
["Savings",20.7,19.399999999999999,20.100000000000001,7,3]
["Term",38.799999999999997,39.5,37.700000000000003,-2,3]
["Total customer deposits",80.900000000000006,79.7,78.8,2,3]
["Loans"]
["Mortgages",69.5,68,67.400000000000006,2,3]
["Business",33,33.4,32.700000000000003,-1,1]
["Other",1.2,1.2,1.2,0,0]
["Provisions",-0.5,-0.5,-0.5,0,0]
["Total loans",103.2,102.1,100.8,1,2]
["Deposit to loan ratio",78.39,78.06,78.17,33,22]
["Total assets",125.3,123.5,123.5,1,1]
["TCE",153,147.30000000000001,148.1,4,3]
["Risk weighted assets",61.1,62,60.1,-1,2]
["Liquid assets",17.899999999999999,17.8,18.600000000000001,1,-4]
["Average interest earning assets",121.3,119.4,119.1,2,2]
["Average allocated capital",8.4,8.1999999999999993,8.1,2,4]
["Total funds",13.3,13.2,12.6,1,6]
["Credit quality"]
["Impairment charges/(benefits) to average loans",0.06,0.01,0.05,5,1]
["Mortgage 90+ day delinquencies",0.54,0.49,0.47,5,7]
["Other consumer loans 90+ day delinquencies",0.95,0.87,0.96,8,-1]
["Impaired exposures to TCE",0.17,0.16,0.12,1,5]
["Total stressed exposures to TCE",1.63,1.73,1.55,-10,8]
[]
["Westpac New Zealand A$"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Net interest income",1236,1217,1171,2,6]
["Non-interest income",121,135,122,-10,-1]
["Notable Items",-1,-2,-6,-50,-83]
["Net operating income ",1356,1350,1287,0,5]
["Operating expenses",-665,-616,-646,8,3]
["Total operating expenses",-665,-616,-646,8,3]
["Pre-provision profit",691,734,641,-6,8]
["Impairment (charges)/benefits",-30,-3,-22,"large",36]
["Profit before income tax expense",661,731,619,-10,7]
["Income tax expense and NCI",-185,-203,-174,-9,6]
["Net profit",476,528,445,-10,7]
["Notable Items (post tax)",-1,-2,-4,-50,-75]
[]
["Expense to income ratio (Ex Notable Items)",49,45.54,50.04,346,-104]
["Net interest margin (Ex Notable Items)",2.2599999999999998,2.23,2.11,3,15]
[]
["$bn","As at\n31 March\n2025","As at\n30 Sept\n2024","As at\n31 March\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Customer deposits",73.599999999999994,73.2,72.400000000000006,1,2]
["Loans",93.8,93.8,92.6,0,1]
["Deposit to loan ratio",78.39,78.06,78.17,33,22]
["Total assets",113.9,113.5,113.4,0,0]
["TCE",139,135.30000000000001,136,3,2]
["Risk weighted assets",55.6,56.9,55.1,-2,1]
["Liquid assets",16.2,16.3,17,-1,-5]
["Average interest earning assets",109.7,109.3,110.7,0,-1]
["Average allocated capital",7.7,7.5,7.5,3,3]
["Total funds",12,12.1,11.5,-1,4]

{"sheet":"2.6","index":21,"n_rows":23,"n_cols":6,"rows_kept":23,"cut":false,"hidden":false,"merged":[]}
["Segment reporting",null,null,null,null,"Home"]
["2.6 Group Businesses"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Net interest income",607,615,703,-1,-14]
["Non-interest income",8,-14,13,"large",-38]
["Notable Items",-199,53,-220,"large",-10]
["Net operating income ",416,654,496,-36,-16]
["Operating expenses",-454,-385,-419,18,8]
["Total operating expenses",-454,-385,-419,18,8]
["Pre-provision profit",-38,269,77,"large","large"]
["Impairment (charges)/benefits",0,-2,0,-100,0]
["Profit before income tax expense",-38,267,77,"large","large"]
["Income tax expense and NCI",-85,-140,-94,-39,-10]
["Net profit/(loss)",-123,127,-17,"large","large"]
["Notable Items (post tax)",-139,43,-160,"large",-13]
[]
["Treasury"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Net interest income",502,500,554,0,-9]
["Non-interest income",6,7,13,-14,-54]
["Notable Items",-217,62,-220,"large",-1]
["Net operating income",291,569,347,-49,-16]
["Net profit",117,316,168,-63,-30]

{"sheet":"3.1","index":22,"n_rows":26,"n_cols":6,"rows_kept":26,"cut":false,"hidden":false,"merged":[]}
["Financial statements",null,null,null,null,"Home"]
["3.1 Consolidated income statement"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Interest income:"]
["Calculated using the effective interest method",27107,26881,25858,1,5]
["Other",977,922,686,6,42]
["Total interest income",28084,27803,26544,1,6]
["Interest expense ",-18733,-18177,-17417,3,8]
["Net interest income",9351,9626,9127,-3,2]
["Non-interest income"]
["Net fees",840,830,842,1,0]
["Net wealth management",239,223,218,7,10]
["Trading",298,341,363,-13,-18]
["Other",65,-22,40,"large",63]
["Total non-interest income",1442,1372,1463,5,-1]
["Net operating income",10793,10998,10590,-2,2]
["Operating expenses",-5698,-5549,-5395,3,6]
["Impairment (charges)/benefits",-250,-175,-362,43,-31]
["Profit before income tax expense",4845,5274,4833,-8,0]
["Income tax expense",-1520,-1626,-1491,-7,2]
["Profit after income tax expense",3325,3648,3342,-9,-1]
["Net profit attributable to non-controlling interests (NCI)",-8,0,0,0,0]
["Net profit attributable to owners of Westpac Banking Corporation (WBC)",3317,3648,3342,-9,-1]
["Earnings per share (cents)"]
["Basic",96.7,105.4,95.6,-8,1]
["Diluted",96,102.5,91.6,-6,5]

{"sheet":"3.2","index":23,"n_rows":27,"n_cols":6,"rows_kept":27,"cut":false,"hidden":false,"merged":[]}
["Financial statements",null,null,null,null,"Home"]
["3.2 Consolidated statement of comprehensive income"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Profit after income tax expense",3325,3648,3342,-9,-1]
["Other comprehensive income/(expense)"]
["Items that may be reclassified subsequently to profit or loss"]
["Gains/(losses) recognised in equity on:"]
["Debt securities measured at fair value through other comprehensive income (FVOCI)",-9,-557,-31,-98,-71]
["Cash flow hedging instruments",-39,49,452,"large","large"]
["Transferred to income statement:"]
["Debt securities measured at FVOCI",-4,4,1,"large","large"]
["Cash flow hedging instruments",214,57,20,"large","large"]
["Loss allowance on debt securities measured at FVOCI",0,0,1,0,-100]
["Exchange differences on translation of foreign operations (net of associated hedges)",87,-138,-162,"large","large"]
["Income tax on items taken to or transferred from equity:"]
["Debt securities measured at FVOCI",5,167,12,-97,-58]
["Cash flow hedging instruments",-53,-35,-147,51,-64]
["Items that will not be reclassified subsequently to profit or loss"]
["Gains/(losses) on equity securities measured at FVOCI (net of tax)",31,-15,16,"large",94]
["Own credit adjustment on financial liabilities designated at fair value (net of tax)",-20,30,-17,"large",18]
["Remeasurement of defined benefit obligation recognised in equity (net of tax)",-10,41,-55,"large",-82]
["Net other comprehensive income/(expense) (net of tax)",202,-397,90,"large",124]
["Total comprehensive income",3527,3251,3432,8,3]
["Attributable to:"]
["Owners of WBC",3519,3252,3433,8,3]
["NCI",8,-1,-1,"large","large"]
["Total comprehensive income",3527,3251,3432,8,3]

{"sheet":"3.3","index":24,"n_rows":38,"n_cols":6,"rows_kept":38,"cut":false,"hidden":false,"merged":[]}
["Financial statements",null,null,null,null,"Home"]
["3.3 Consolidated balance sheet"]
["$m","As at\n31 March\n2025","As at\n30 Sept\n2024","As at\n31 March\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Assets"]
["Cash and balances with central banks",58352,65667,95907,-11,-39]
["Collateral paid",6190,6269,4671,-1,33]
["Trading securities and financial assets measured at fair value through income statement (FVIS)",51088,49228,33943,4,51]
["Derivative financial instruments",19347,24109,15795,-20,22]
["Investment securities",115186,103885,90587,11,27]
["Loans",824808,806767,784839,2,5]
["Other financial assets",7886,5456,11266,45,-30]
["Property and equipment",2254,2251,2179,0,3]
["Tax assets",2095,2160,1999,-3,5]
["Intangible assets",10599,10746,10708,-1,-1]
["Other assets",1088,1006,767,8,42]
["Total assets",1098893,1077544,1052661,2,4]
["Liabilities"]
["Collateral received",3738,3078,2534,21,48]
["Deposits and other borrowings",739250,720489,702226,3,5]
["Other financial liabilities",44681,38077,54392,17,-18]
["Derivative financial instruments",21520,30974,18417,-31,17]
["Debt issues",171864,169284,159781,2,8]
["Tax liabilities",23,569,459,-96,-95]
["Provisions",2254,2505,2414,-10,-7]
["Other liabilities",2507,2633,2598,-5,-4]
["Total liabilities excluding loan capital",985837,967609,942821,2,5]
["Loan capital",40703,37883,37280,7,9]
["Total liabilities",1026540,1005492,980101,2,5]
["Net assets",72353,72052,72560,0,0]
["Shareholders’ equity"]
["Share capital:"]
["Ordinary share capital",37354,37958,38944,-2,-4]
["Treasury shares",-820,-758,-758,8,8]
["Reserves",2030,1732,2157,17,-6]
["Retained profits",33451,32773,32179,2,4]
["Total equity attributable to owners of WBC",72015,71705,72522,0,-1]
["NCI",338,347,38,-3,"large"]
["Total shareholders' equity and NCI",72353,72052,72560,0,0]

{"sheet":"3.4","index":25,"n_rows":46,"n_cols":7,"rows_kept":46,"cut":false,"hidden":false,"merged":[[2,1,4,1],[2,2,4,2]]}
["Financial statements",null,null,null,null,null,"Home"]
["3.4 Consolidated statement of changes in equity"]
[null,"Share capital","Reserves"]
[]
["$m",null,null,"Retained profits","Total equity attributable to owners of WBC","NCI","Total shareholders' equity and NCI"]
["Balance as at 30 September 2023",39124,1935,31436,72495,44,72539]
["Profit after income tax expense",0,0,3342,3342,0,3342]
["Net other comprehensive income/(expense)",0,163,-72,91,-1,90]
["Total comprehensive income/(expense)",0,163,3270,3433,-1,3432]
["Transactions in capacity as equity holders:"]
["Dividends on ordinary shares",0,0,-2527,-2527,0,-2527]
["Share buyback",-849,0,0,-849,0,-849]
["Other equity movements:"]
["Share-based payment arrangements",0,59,0,59,0,59]
["Purchase of shares",-33,0,0,-33,0,-33]
["Net acquisition of treasury shares",-56,0,0,-56,0,-56]
["Other",0,0,0,0,-5,-5]
["Total contributions and distributions",-938,59,-2527,-3406,-5,-3411]
["Balance as at 31 March 2024",38186,2157,32179,72522,38,72560]
["Profit after income tax expense",0,0,3648,3648,0,3648]
["Net other comprehensive income/(expense)",0,-467,71,-396,-1,-397]
["Total comprehensive income/(expense)",0,-467,3719,3252,-1,3251]
["Transactions in capacity as equity holders:"]
["Dividends on ordinary shares",0,0,-3125,-3125,0,-3125]
["Share buyback",-963,0,0,-963,0,-963]
["Other equity movements:"]
["Share-based payment arrangements",0,37,0,37,0,37]
["Purchase of shares",-23,0,0,-23,0,-23]
["Acquisition of minority interest",0,5,0,5,-30,-25]
["Preference shares issued",0,0,0,0,339,339]
["Other",0,0,0,0,1,1]
["Total contributions and distributions",-986,42,-3125,-4069,310,-3759]
["Balance as at 30 September 2024",37200,1732,32773,71705,347,72052]
["Profit after income tax expense",0,0,3317,3317,8,3325]
["Net other comprehensive income/(expense)",0,232,-30,202,0,202]
["Total comprehensive income/(expense)",0,232,3287,3519,8,3527]
["Transactions in capacity as equity holders:"]
["Dividends on ordinary shares",0,0,-2614,-2614,0,-2614]
["Share buyback",-581,0,0,-581,0,-581]
["Other equity movements:"]
["Share-based payment arrangements",0,67,0,67,0,67]
["Purchase of shares",-21,0,0,-21,0,-21]
["Net acquisition of treasury shares",-64,0,0,-64,0,-64]
["Other",0,-1,5,4,-17,-13]
["Total contributions and distributions",-666,66,-2609,-3209,-17,-3226]
["Balance as at 31 March 2025",36534,2030,33451,72015,338,72353]

{"sheet":"3.5","index":26,"n_rows":52,"n_cols":6,"rows_kept":52,"cut":false,"hidden":false,"merged":[]}
["Financial statements",null,null,null,null,"Home"]
["3.5 Consolidated cash flow statement"]
["$m","Half Year\nMarch\n2025","Half Year\nSept\n2024","Half Year\nMarch\n2024","% Movt\nMar 25\n- Sept 24","% Movt\nMar 25\n- Mar 24"]
["Cash flows from operating activities"]
["Interest received",27288,26849,25666,2,6]
["Interest paid",-18331,-17457,-16543,5,11]
["Dividends received",1,3,0,-67,0]
["Other non-interest income received",361,2377,1937,-85,-81]
["Operating expenses paid",-5240,-4730,-4949,11,6]
["Income tax paid",-2026,-1557,-1812,30,12]
["Cash flows from operating activities before changes in operating assets and liabilities",2053,5485,4299,-63,-52]
["Net (increase)/decrease in:"]
["Collateral paid",555,-1882,-215,"large","large"]
["Trading securities and financial assets measured at FVIS",-1394,-15530,-3464,-91,-60]
["Derivative financial instruments",8256,-1149,313,"large","large"]
["Loans",-19357,-22346,-12737,-13,52]
["Other financial assets",-269,-9,-339,"large",-21]
["Other assets",17,-38,4,"large","large"]
["Net increase/(decrease) in:"]
["Collateral received",378,653,-971,-42,"large"]
["Deposits and other borrowings",16833,19761,15482,-15,9]
["Other financial liabilities",4895,-10842,3758,"large",30]
["Other liabilities",2,5,-5,-60,"large"]
["Net cash provided by/(used in) operating activities",11969,-25892,6125,"large",95]
["Cash flows from investing activities"]
["Proceeds from investment securities",24663,27979,19645,-12,26]
["Purchase of investment securities",-34850,-40415,-32371,-14,8]
["Purchase of controlled entities and other businesses",0,-30,0,-100,0]
["Purchase of associates",-10,-4,0,150,0]
["Proceeds from sale of loans portfolio",1472,0,0,0,0]
["Proceeds from disposal of property and equipment",12,40,6,-70,100]
["Purchase of property and equipment",-142,-145,-90,-2,58]
["Purchase of intangible assets",-347,-453,-329,-23,5]
["Net cash provided by/(used in) investing activities",-9202,-13028,-13139,-29,-30]
["Cash flows from financing activities"]
["Proceeds from debt issues (net of issue costs)",34106,39606,40639,-14,-16]
["Redemption of debt issues",-42508,-27226,-39874,56,7]
["Payments for the principal portion of lease liabilities",-200,-208,-208,-4,-4]
["Issue of loan capital (net of issue costs)",3538,2740,3586,29,-1]
["Redemption of loan capital",-2474,-1945,-12,27,"large"]
["Payment for share buyback",-565,-963,-849,-41,-33]
["Issue of perpetual preference shares (net of issue cost)",0,339,0,-100,0]
["Purchase of shares relating to share-based payment arrangements",-21,-23,-33,-9,-36]
["Purchase of treasury shares (including RSP and EIP restricted shares)",-64,0,-56,0,14]
["Payment of dividends",-2614,-3125,-2527,-16,3]
["Dividends paid to NCI",-13,1,-5,"large",160]
["Purchase of shares from NCI",0,-25,0,-100,0]
["Net cash provided by/(used in) financing activities",-10815,9171,661,"large","large"]
["Net increase/(decrease) in cash and balances with central banks",-8048,-29749,-6353,-73,27]
["Effect of exchange rate changes on cash and balances with central banks",733,-491,-262,"large","large"]
["Cash and balances with central banks as at beginning of the period",65667,95907,102522,-32,-36]
["Cash and balances with central banks as at end of the period",58352,65667,95907,-11,-39]

{"sheet":"3.6","index":27,"n_rows":123,"n_cols":10,"rows_kept":123,"cut":false,"hidden":false,"merged":[[37,1,37,3],[37,4,37,6],[37,7,37,9]]}
["Financial statements",null,null,null,null,null,null,null,null,"Home"]
["3.6 Net interest income and average balance sheet and interest rates"]
[null,"Half year","Half year","Half year","% Mov't","% Mov't"]
[null,"March","Sept","March","Mar 25","Mar 25"]
["$m",2025,2024,2024,"- Sept 24","- Mar 24"]
["Interest income"]
["Calculated using the effective interest method"]
["Cash and balances with central banks",1433,1830,2293,-22,-38]
["Collateral paid",266,285,362,-7,-27]
["Investment securities",2246,1899,1595,18,41]
["Loans",23153,22862,21598,1,7]
["Other financial assets",9,5,10,80,-10]
["Total interest income calculated using the effective interest method",27107,26881,25858,1,5]
["Other"]
["Net ineffectiveness on qualifying hedges",-69,9,-1,"large","large"]
["Trading securities and financial assets measured at FVIS",1046,913,687,15,52]
["Total other",977,922,686,6,42]
["Total interest income",28084,27803,26544,1,6]
["Interest expense"]
["Calculated using the effective interest method"]
["Collateral received",-152,-141,-176,8,-14]
["Deposits and other borrowings",-11016,-10983,-10285,0,7]
["Debt issues",-3367,-3105,-2989,8,13]
["Loan capital",-1026,-943,-905,9,13]
["Other financial liabilities",-190,-125,-269,52,-29]
["Total interest expense calculated using the effective interest method",-15751,-15297,-14624,3,8]
["Other"]
["Deposits and other borrowings",-1088,-1170,-1219,-7,-11]
["Trading liabilities",-1536,-1366,-1277,12,20]
["Debt issues",-124,-111,-83,12,49]
["Bank levy",-191,-185,-172,3,11]
["Other interest expense",-43,-48,-42,-10,2]
["Total other",-2982,-2880,-2793,4,7]
["Total interest expense",-18733,-18177,-17417,3,8]
["Net interest income",9351,9626,9127,-3,2]
[]
[]
[null,"Half Year March 2025",null,null,"Half Year Sept 2024",null,null,"Half Year March 2024"]
[" ","Average balance","Interest","Average rate","Average balance","Interest","Average rate","Average balance","Interest","Average rate"]
[" ","$m","$m","%","$m","$m","%","$m","$m","%"]
["Assets"]
["Interest earning assets"]
["Loans"]
["Australia",653746,19898,6.1,640394,19484,6.1,627150,18381,5.9]
["New Zealand",92103,2964,6.5,92086,3139,6.8,92358,3016,6.5]
["Other overseas",9681,291,6,7248,239,6.6,6084,201,6.6]
["Housing"]
["Australia",444432,13023,5.9,443112,12886,5.8,435130,12096,5.6]
["New Zealand",60938,1850,6.1,60704,1846,6.1,60916,1715,5.6]
["Other overseas",378,8,4.2,389,9,4.5999999999999996,425,8,3.8]
["Personal"]
["Australia",9834,497,10.1,10375,514,9.9,10993,525,9.6]
["New Zealand",1059,49,9.3000000000000007,1042,48,9.1999999999999993,1084,49,9]
["Other overseas",7,0,0,6,1,33.299999999999997,8,0,0]
["Business"]
["Australia",199480,6378,6.4,186907,6084,6.5,181027,5760,6.4]
["New Zealand",30106,1065,7.1,30340,1245,8.1999999999999993,30358,1252,8.1999999999999993]
["Other overseas",9296,283,6.1,6853,229,6.7,5651,193,6.8]
["Trading securities and financial assets measured at FVIS"]
["Australia",37813,830,4.4000000000000004,33267,712,4.3,23943,511,4.3]
["New Zealand",5177,113,4.4000000000000004,4888,127,5.2,4548,124,5.5]
["Other overseas",4880,103,4.2,3455,74,4.3,2599,52,4]
["Investment securities"]
["Australia",101793,2085,4.0999999999999996,90391,1760,3.9,80025,1467,3.7]
["New Zealand",7147,127,3.6,6521,109,3.3,6619,92,2.8]
["Other overseas",1797,34,3.8,1997,30,3,2297,36,3.1]
["Other interest earning assets"]
["Australia",59427,1144,3.9,69379,1458,4.2,89073,1882,4.2]
["New Zealand",7831,167,4.3,8101,219,5.4,9171,246,5.4]
["Other overseas",15306,328,4.3,17675,452,5.0999999999999996,20841,536,5.0999999999999996]
["Total interest earning assets and interest income",996701,28084,5.7,975402,27803,5.7,964708,26544,5.5]
["Non-interest earning assets"]
["Derivative financial instruments",27698,null,null,16625,null,null,16947]
["All other assets",79904,null,null,73653,null,null,67282]
["Total non-interest earning assets",107602,null,null,90278,null,null,84229]
["Total assets",1104303,null,null,1065680,null,null,1048937]
["Liabilities"]
["Interest bearing liabilities"]
["Deposits and other borrowings"]
["Australia",505994,10259,4.0999999999999996,493900,10069,4.0999999999999996,479763,9344,3.9]
["New Zealand",64845,1377,4.3,64508,1606,5,65632,1614,4.9000000000000004]
["Other overseas",20312,468,4.5999999999999996,18299,478,5.2,20413,546,5.3]
["Certificates of deposit"]
["Australia",30915,708,4.5999999999999996,33317,757,4.5,33879,752,4.4000000000000004]
["New Zealand",1794,42,4.7,2236,64,5.7,2612,77,5.9]
["Other overseas",13416,336,5,12294,348,5.7,13440,388,5.8]
["Transactions"]
["Australia",118434,2094,3.5,118828,2181,3.7,119919,1931,3.2]
["New Zealand",9100,140,3.1,8901,204,4.5999999999999996,8771,200,4.5999999999999996]
["Other overseas",893,7,1.6,826,7,1.7,820,6,1.5]
["Savings"]
["Australia",204173,3871,3.8,194017,3665,3.8,184793,3342,3.6]
["New Zealand",18007,234,2.6,18200,310,3.4,18730,325,3.5]
["Other overseas",1089,12,2.2000000000000002,999,13,2.6,993,12,2.4]
["Term"]
["Australia",152472,3586,4.7,147738,3466,4.7,141172,3319,4.7]
["New Zealand",35944,961,5.4,35171,1028,5.8,35519,1012,5.7]
["Other overseas",4914,113,4.5999999999999996,4180,110,5.3,5160,140,5.4]
["Repurchase agreements"]
["Australia",15987,406,5.0999999999999996,19604,397,4.0999999999999996,24476,295,2.4]
["New Zealand",2887,61,4.2,3730,100,5.4,4906,134,5.5]
["Other overseas",1224,27,4.4000000000000004,29,1,6.9,357,10,5.6]
["Loan capital"]
["Australia",39746,940,4.7,38323,857,4.5,36135,819,4.5]
["New Zealand",3026,86,5.7,2961,86,5.8,3005,86,5.7]
["Other interest bearing liabilities"]
["Australia",174487,4545,5.2,167090,4148,5,162354,4222,5.2]
["New Zealand",22050,564,5.0999999999999996,20761,436,4.2,19507,332,3.4]
["Other overseas",479,0,0,681,-1,-0.3,1225,15,2.4]
["Total interest bearing liabilities and interest expense",851037,18733,4.4000000000000004,829886,18177,4.4000000000000004,817773,17417,4.3]
["Non-interest bearing liabilities"]
["Deposits and other borrowings"]
["Australia",131884,null,null,124168,null,null,120371]
["New Zealand",10545,null,null,10540,null,null,11242]
["Other overseas",1206,null,null,1341,null,null,1325]
["Derivative financial instruments",28812,null,null,20618,null,null,22208]
["All other liabilities",9891,null,null,7913,null,null,4134]
["Total non-interest bearing liabilities",182338,null,null,164580,null,null,159280]
["Total liabilities",1033375,null,null,994466,null,null,977053]
["Shareholders' equity",70584,null,null,71145,null,null,71841]
["NCI",344,null,null,69,null,null,43]
["Total equity",70928,null,null,71214,null,null,71884]
["Total liabilities and equity",1104303,null,null,1065680,null,null,1048937]

{"sheet":"4.1","index":28,"n_rows":40,"n_cols":7,"rows_kept":40,"cut":false,"hidden":false,"merged":[[2,6,3,6],[2,1,3,1],[2,2,3,2],[2,3,3,3],[2,4,3,4],[2,5,3,5]]}
["Supplementary information",null,null,null,null,null,"Home"]
["4.1 Net profit by segment"]
[null,"Consumer","Business & Wealth","Westpac Institutional Bank","Westpac New Zealand (A$)","Group Businesses","Group"]
["$m"]
["Half Year March 2025"]
["Net interest income",3852,2697,1177,1236,607,9569]
["Non-interest income",280,396,619,121,8,1424]
["Notable Items",0,0,0,-1,-199,-200]
["Net operating income ",4132,3093,1796,1356,416,10793]
["Operating expenses",-2420,-1368,-791,-665,-454,-5698]
["Total operating expenses",-2420,-1368,-791,-665,-454,-5698]
["Pre-provision profit",1712,1725,1005,691,-38,5095]
["Impairment (charges)/benefits",-142,-117,39,-30,0,-250]
["Profit before income tax (expense)/benefit",1570,1608,1044,661,-38,4845]
["Income tax (expense)/benefit and NCI",-482,-490,-286,-185,-85,-1528]
["Net profit/(loss)",1088,1118,758,476,-123,3317]
["Half Year September 2024"]
["Net interest income",3861,2722,1150,1217,615,9565]
["Non-interest income",273,389,599,135,-14,1382]
["Notable Items",0,0,0,-2,53,51]
["Net operating income ",4134,3111,1749,1350,654,10998]
["Operating expenses",-2422,-1370,-756,-616,-385,-5549]
["Total operating expenses",-2422,-1370,-756,-616,-385,-5549]
["Pre-provision profit",1712,1741,993,734,269,5449]
["Impairment (charges)/benefits",-104,-47,-19,-3,-2,-175]
["Profit before income tax (expense)/benefit",1608,1694,974,731,267,5274]
["Income tax (expense)/benefit and NCI",-482,-513,-288,-203,-140,-1626]
["Net profit/(loss)",1126,1181,686,528,127,3648]
["Half Year 31 March 2024"]
["Net interest income",3771,2616,1090,1171,703,9351]
["Non-interest income",255,409,666,122,13,1465]
["Notable Items",0,0,0,-6,-220,-226]
["Net operating income ",4026,3025,1756,1287,496,10590]
["Operating expenses",-2365,-1256,-709,-646,-419,-5395]
["Total operating expenses",-2365,-1256,-709,-646,-419,-5395]
["Pre-provision profit",1661,1769,1047,641,77,5195]
["Impairment (charges)/benefits",-144,-95,-101,-22,0,-362]
["Profit before income tax (expense)/benefit",1517,1674,946,619,77,4833]
["Income tax (expense)/benefit and NCI",-459,-499,-265,-174,-94,-1491]
["Net profit/(loss)",1058,1175,681,445,-17,3342]

{"sheet":"4.2","index":29,"n_rows":34,"n_cols":7,"rows_kept":34,"cut":false,"hidden":false,"merged":[[2,6,3,6],[2,1,3,1],[2,2,3,2],[2,3,3,3],[2,4,3,4],[2,5,3,5]]}
["Supplementary information",null,null,null,null,null,"Home"]
["4.2 Impact of Notable Items by segment"]
[null,"Consumer","Business & Wealth","Westpac Institutional Bank","Westpac New Zealand (A$)","Group Businesses","Group"]
["$m"]
["Half Year March 2025"]
["Net interest income",0,0,0,-1,-217,-218]
["Non-interest income",0,0,0,0,18,18]
["Net operating income ",0,0,0,-1,-199,-200]
["Operating expenses",0,0,0,0,0,0]
["Pre-provision profit",0,0,0,-1,-199,-200]
["Impairment (charges)/benefits",0,0,0,0,0,0]
["Profit before income tax (expense)/benefit",0,0,0,-1,-199,-200]
["Income tax (expense)/benefit and NCI",0,0,0,0,60,60]
["Net profit/(loss)",0,0,0,-1,-139,-140]
["Half Year September 2024"]
["Net interest income",0,0,0,-2,63,61]
["Non-interest income",0,0,0,0,-10,-10]
["Net operating income ",0,0,0,-2,53,51]
["Operating expenses",0,0,0,0,0,0]
["Pre-provision profit",0,0,0,-2,53,51]
["Impairment (charges)/benefits",0,0,0,0,0,0]
["Profit before income tax (expense)/benefit",0,0,0,-2,53,51]
["Income tax (expense)/benefit and NCI",0,0,0,0,-10,-10]
["Net profit/(loss)",0,0,0,-2,43,41]
["Half Year March 2024"]
["Net interest income",0,0,0,-6,-218,-224]
["Non-interest income",0,0,0,0,-2,-2]
["Net operating income ",0,0,0,-6,-220,-226]
["Operating expenses",0,0,0,0,0,0]
["Pre-provision profit",0,0,0,-6,-220,-226]
["Impairment (charges)/benefits",0,0,0,0,0,0]
["Profit before income tax (expense)/benefit",0,0,0,-6,-220,-226]
["Income tax (expense)/benefit and NCI",0,0,0,2,60,62]
["Net profit/(loss)",0,0,0,-4,-160,-164]

{"sheet":"4.3","index":30,"n_rows":34,"n_cols":7,"rows_kept":34,"cut":false,"hidden":false,"merged":[[2,6,3,6],[2,1,3,1],[2,2,3,2],[2,3,3,3],[2,4,3,4],[2,5,3,5]]}
["Supplementary information",null,null,null,null,null,"Home"]
["4.3 Notable Items - Economic hedges and hedge ineffectiveness by segment"]
[null,"Consumer","Business & Wealth","Westpac Institutional Bank","Westpac New Zealand (A$)","Group Businesses","Group"]
["$m"]
["Half Year March 2025"]
["Net interest income",0,0,0,-1,-217,-218]
["Non-interest income",0,0,0,0,18,18]
["Net operating income ",0,0,0,-1,-199,-200]
["Operating expenses",0,0,0,0,0,0]
["Pre-provision profit",0,0,0,-1,-199,-200]
["Impairment (charges)/benefits",0,0,0,0,0,0]
["Profit before income tax (expense)/benefit",0,0,0,-1,-199,-200]
["Income tax (expense)/benefit and NCI",0,0,0,0,60,60]
["Net profit/(loss)",0,0,0,-1,-139,-140]
["Half Year September 2024"]
["Net interest income",0,0,0,-2,63,61]
["Non-interest income",0,0,0,0,-10,-10]
["Net operating income ",0,0,0,-2,53,51]
["Operating expenses",0,0,0,0,0,0]
["Pre-provision profit",0,0,0,-2,53,51]
["Impairment (charges)/benefits",0,0,0,0,0,0]
["Profit before income tax (expense)/benefit",0,0,0,-2,53,51]
["Income tax (expense)/benefit and NCI",0,0,0,0,-10,-10]
["Net profit/(loss)",0,0,0,-2,43,41]
["Half Year March 2024"]
["Net interest income",0,0,0,-6,-218,-224]
["Non-interest income",0,0,0,0,-2,-2]
["Net operating income ",0,0,0,-6,-220,-226]
["Operating expenses",0,0,0,0,0,0]
["Pre-provision profit",0,0,0,-6,-220,-226]
["Impairment (charges)/benefits",0,0,0,0,0,0]
["Profit before income tax (expense)/benefit",0,0,0,-6,-220,-226]
["Income tax (expense)/benefit and NCI",0,0,0,2,60,62]
["Net profit/(loss)",0,0,0,-4,-160,-164]

{"sheet":"4.4","index":31,"n_rows":34,"n_cols":7,"rows_kept":34,"cut":false,"hidden":false,"merged":[[2,6,3,6],[2,1,3,1],[2,2,3,2],[2,3,3,3],[2,4,3,4],[2,5,3,5]]}
["Supplementary information",null,null,null,null,null,"Home"]
["4.4 Net profit excluding Notable Items by segment"]
[null,"Consumer","Business & Wealth","Westpac Institutional Bank","Westpac New Zealand (A$)","Group Businesses","Group"]
["$m"]
["Half Year March 2025"]
["Net interest income",3852,2697,1177,1236,607,9569]
["Non-interest income",280,396,619,121,8,1424]
["Net operating income ",4132,3093,1796,1357,615,10993]
["Operating expenses",-2420,-1368,-791,-665,-454,-5698]
["Pre-provision profit",1712,1725,1005,692,161,5295]
["Impairment (charges)/benefits",-142,-117,39,-30,0,-250]
["Profit before income tax (expense)/benefit",1570,1608,1044,662,161,5045]
["Income tax (expense)/benefit and NCI",-482,-490,-286,-185,-145,-1588]
["Net profit/(loss)",1088,1118,758,477,16,3457]
["Half Year September 2024"]
["Net interest income",3861,2722,1150,1217,615,9565]
["Non-interest income",273,389,599,135,-14,1382]
["Net operating income ",4134,3111,1749,1352,601,10947]
["Operating expenses",-2422,-1370,-756,-616,-385,-5549]
["Pre-provision profit",1712,1741,993,736,216,5398]
["Impairment (charges)/benefits",-104,-47,-19,-3,-2,-175]
["Profit before income tax (expense)/benefit",1608,1694,974,733,214,5223]
["Income tax (expense)/benefit and NCI",-482,-513,-288,-203,-130,-1616]
["Net profit/(loss)",1126,1181,686,530,84,3607]
["Half Year March 2024"]
["Net interest income",3771,2616,1090,1171,703,9351]
["Non-interest income",255,409,666,122,13,1465]
["Net operating income ",4026,3025,1756,1293,716,10816]
["Operating expenses",-2365,-1256,-709,-646,-419,-5395]
["Pre-provision profit",1661,1769,1047,647,297,5421]
["Impairment (charges)/benefits",-144,-95,-101,-22,0,-362]
["Profit before income tax (expense)/benefit",1517,1674,946,625,297,5059]
["Income tax (expense)/benefit and NCI",-459,-499,-265,-176,-154,-1553]
["Net profit/(loss)",1058,1175,681,449,143,3506]