Westpac Banking Corp (WBC) 2002年年度报告「ASX」.pdf

1、2002 Annual Financial ReportWe are providing our report to equity holders in two parts:Concise Annual Report Annual Financial ReportBoth parts will be lodged with the Australian Stock ExchangeLimited and the Australian Securities and Investments Commissionand are available on our website .auThis Ann

2、ual Financial Report includes the disclosure requirementsfor both Australia and the United States Securities and ExchangeCommission.It will be lodged with the Commission as an annualreport on Form 20-F.Information contained in or otherwise accessible through thewebsites mentioned in this Annual Fina

3、ncial Report does notform part of the report.All references in these reports to websitesare inactive textual references and are for information only.Westpac Banking CorporationABN 33 007 457 1411Annual Financial Report 2002Form 20-F cross-reference index2Information on Westpac5Financial review13Key

4、information14Operating and financial review and prospects19Overview of performance23Statement of financial performance review26Business group results31Statement of financial position review35Asset quality36Liquidity and capital resources37Risk management40Board of Directors46Corporate governance48Re

5、muneration philosophy and practice52Ten year summary55Financial report57Shareholding information151Management161Additional information163In this report references to Westpac,we,us and our are to WestpacBanking Corporation.References to Westpac,we,us and our underthe captions Information on Westpac,F

6、inancial review,Corporategovernance,Remuneration philosophy and practice,Shareholdinginformation,Management and Additional information include Westpac and its subsidiaries unless they clearly mean just WestpacBanking Corporation.Information on Westpac220-F item number and descriptionPageDisclosure r