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1、1Annual Financial Report 2001Form 20-F cross-reference index2Information on Westpac4Financial review9Key information10Operating and financial review and prospects15Overview of performance15Statement of financial performance review17Statement of financial position review19Business group results20Liqu
2、idity and capital resources23Risk management24Board of Directors30Corporate governance32Remuneration philosophy and practice36Ten year summary39Financial report41Shareholding information129Management139Additional information141In this report references to Westpac,we,us and our are to Westpac Banking
3、Corporation.References to Westpac,we,us and our under the captionsInformation on Westpac,Financial review,Corporate governance,Remunerationphilosophy and practice,Shareholding information,Management and Additionalinformation include Westpac and its subsidiaries unless they clearly mean justWestpac B
4、anking Corporation.2PageDisclosure regarding forward-looking statements3Currency of presentation,exchange rates and certain definitions320-F item number and captionPart IItem 1.Identity of directors,senior management and advisersNot ApplicableItem 2.Offer statistics and expected timetableNot Applica
5、bleItem 3.Key informationSelected financial data3,10Capitalisation and indebtednessNot ApplicableReasons for the offer and use of proceedsNot ApplicableRisk factors14Item 4.Information on WestpacHistory and development of Westpac4,6Business overview4-8Organisational structure4Property,plant and equi
6、pment6Item 5.Operating and financial review and prospectsOperating results15-22,48,8,136Liquidity and capital resources23Research and development,patents,licences etc.Not ApplicableTrend information15-22Item 6.Directors,senior management and employeesDirectors and senior management30,139Compensation