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1、The details2000 Annual Financial ReportWe are providing our report toshareholders in two parts:a Concise Annual Report an Annual Financial ReportBoth parts will be lodged with theAustralian Stock Exchange Limited(ASX)and the Australian Securities and Investments Commission(ASIC)and are available .au
2、The Annual Financial Report includes the disclosure requirements for both Australia and the United States Securities and Exchange Commission(SEC).It will be lodged with the SEC as an Annual Report on form 20F.Westpac Banking CorporationABN 33 007 457 1411In this report references to Westpac,we,us an
3、d our are to WestpacBanking Corporation.References to Westpac,we,us and our under the captions Information on Westpac,Financial review and Shareholdinginformation include Westpac and its subsidiaries unless they clearly meanjust Westpac Banking Corporation.Annual Financial Report 2000Form 20-F cross
4、 reference index2Information on Westpac3Financial review9Selected consolidated financial and operating data10Operating and financial review and prospects15Overview of performance15Profit and loss review17Balance sheet review20Business group results21Risk management24Capital management29Board of Dire
5、ctors30Corporate Governance32Remuneration philosophy and practice36Five year summary40Financial report41Shareholding information1172Form 20-F cross reference index(for the purpose of filing with the US SEC)20-F item number and captionPageCurrency of presentation,exchange rates and certain definition
6、sPart IItem 1.Identity of directors,senior management and advisersNot applicableItem 2.Offer statistics and expected timetable Not applicableItem 3.Key information10Item 4.Information on Westpac3Item 5.Operating and financial review and prospects15,69,70,71,72,81,92,97Item 6.Directors,senior managem