Westpac Banking Corp (WBC) 2004年年度报告「ASX」.pdf

1、Contents 1 Annual Financial Report Form 20-F cross-reference index 2 Information on Westpac 5 Financial review 14 Key information 14 Operating and financial review and prospects 18 Overview of performance 23 Statement of financial performance review 24 Statement of financial position review 30 Asset

2、 quality 31 Business group results 33 Liquidity and funding 38 Capital resources 42 Risk management 44 Corporate governance 51 Remuneration philosophy and practice 70 Ten year summary 71 Financial report 73 Shareholding information 194 Management 203 Additional information 205 In this Annual Financi

3、al Report references to Westpac,we,us and our are to Westpac Banking Corporation ABN 33 007 457 141.References to Westpac,we,us and our under the captions Information on Westpac,Financial review,Corporate governance,Remuneration philosophy and practice,Shareholding information,Management and Additio

4、nal information include Westpac and its subsidiaries unless they clearly mean just Westpac Banking Corporation.Form 20-F cross-reference index(for the purpose of filing with the United States Securities and Exchange Commission).2 20-F item number and description Page Disclosure regarding forward-loo

5、king statements 3 Currency of presentation,exchange rates and certain definitions 3 Part I Item 1.Identity of Directors,senior management and advisers Not applicable Item 2.Offer statistics and expected timetable Not applicable Item 3.Key information Selected financial data 6,14-16 Capitalisation an

6、d indebtedness Not applicable Reasons for the offer and use of proceeds Not applicable Risk factors 17 Item 4.Information on Westpac History and development of Westpac 5,9 Business overview 5,7-10 Organisational structure 5 Property,plant and equipment 9 Item 5.Operating and financial review and pro