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1、2006 Annual Financial ReportyesterdayWe are providing our report to equity holders in two parts:Concise Annual Report Annual Financial ReportBoth parts will be lodged with the Australian Stock Exchange Limited and the Australian Securities and Investments Commission and are available on our website
2、.auThis Annual Financial Report includes the disclosure requirements for both Australia and the United States Securities and Exchange Commission.It will be fi led with the Commission as an annual report on Form 20-F.Information contained in or otherwise accessible through the websites mentioned in t
3、his Annual Financial Report does not form part of the report.All references in these reports to websites are inactive textual references and are for information only.today2006 Concise Annual Reporttomorrow2006 Stakeholder Impact ReportThese reports represent the full suite of Westpacs extended repor
4、ting framework.tomorrow2006 Stakeholder Impact Report2006 Annual Financial ReportyesterdayContents 1 Annual Financial Report Annual Financial Report Form 20-F cross-reference index 2 Information on Westpac 6 Financial review 15 Financial review 15 Key information 15 Operating and financial review an
5、d prospects 20 Overview of performance 22 Income statement review 23 Balance sheet review 28 Asset quality 29 Business group results 31 Liquidity and funding 36 Capital resources 40 Risk management 42 Corporate governance 47 Financial summary 65 Other financial information 66 Financial report 79 Sha
6、reholding information 240 Management 247 Additional informationCorporate governance 47 Financial summary 65 Other financial information 66 Financial report 79 Shareholding information 240 Management 247 Additional information 249 In this Annual Financial Report references to Westpac,we,us and our ar