Westpac Banking Corp (WBC) 2003年年度报告「ASX」.pdf

1、We are providing our report to equity holders in two parts:Concise Annual ReportAnnual Financial ReportBoth parts will be lodged with the Australian Stock ExchangeLimited and the Australian Securities and Investments Commissionand are available on our website .au.This Annual Financial Report include

2、s 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 Financial Report does not formpa

3、rt of the report.All references in these reports to websites areinactive textual references and are for information only.1ContentsAnnual Financial ReportForm 20-F cross-reference index2Information on Westpac5Financial review13Key information13Operating and financial review and prospects17Overview of

4、 performance22Statement of financial performance review25Statement of financial position review31Asset quality32Business group results34Liquidity and funding42Capital resources46Risk management46Corporate governance53Remuneration philosophy and practice68Ten year summary75Financial report77Sharehold

5、ing information181Management190Additional information192In this report references to Westpac,we,us and our are to Westpac Banking Corporation.References to Westpac,we,us andour under the captions Information on Westpac,Financial review,Corporate governance,Remuneration philosophy and practice,Shareh

6、olding information,Management and Additional informationinclude Westpac and its subsidiaries unless they clearly mean justWestpac Banking Corporation.220-F item number and descriptionPageDisclosure regarding forward-looking statements3Currency of presentation,exchange rates and certain definitions3P