| | |
Per 5.200%
Note |
| |
Total for
5.200% Notes |
| |
Per 5.050%
Note |
| |
Total for
5.050% Notes |
| |
Per 2026
Floating Rate Note |
| |
Total for
2026 Floating Rate Notes |
| |
Per 2029
Floating Rate Note |
| |
Total for
2029 Floating Rate Notes |
| ||||||||||||
Public Offering Price(1)
|
| |
99.992%
|
| | | US$ | 749,940,000 | | | |
99.815%
|
| | | US$ | 748,612,500 | | | |
100.000%
|
| | | US$ | 750,000,000 | | | |
100.000%
|
| | | US$ | 750,000,000 | | |
Underwriting Discounts(2) . . . . .
|
| |
0.100%
|
| | | US$ | 750,000 | | | |
0.250%
|
| | | US$ | 1,875,000 | | | |
0.100%
|
| | | US$ | 750,000 | | | |
0.250%
|
| | | US$ | 1,875,000 | | |
Proceeds to Westpac (before expenses)
|
| |
99.892%
|
| | | US$ | 749,190,000 | | | |
99.565%
|
| | | US$ | 746,737,500 | | | |
99.900%
|
| | | US$ | 749,250,000 | | | |
99.750%
|
| | | US$ | 748,125,000 | | |
| Barclays | | |
BofA Securities
|
| |
Goldman Sachs & Co. LLC
|
| |
Morgan Stanley
|
| |
Westpac Banking Corporation
|
|
|
Credit Agricole CIB
|
| |
Natixis
|
|
| | |
Page
|
| |||
| | | | S-ii | | | |
| | | | S-iv | | | |
| | | | S-v | | | |
| | | | S-1 | | | |
| | | | S-7 | | | |
| | | | S-14 | | | |
| | | | S-15 | | | |
| | | | S-16 | | | |
| | | | S-28 | | | |
| | | | S-29 | | | |
| | | | S-36 | | | |
| | | | S-36 | | | |
| | | | S-38 | | | |
| | | | S-39 | | | |
| | | | S-39 | | | |
| | | | S-40 | | |
| | | | | 1 | | | |
| | | | | 2 | | | |
| | | | | 4 | | | |
| | | | | 6 | | | |
| | | | | 7 | | | |
| | | | | 20 | | | |
| | | | | 30 | | | |
| | | | | 32 | | | |
| | | | | 32 | | | |
| | | | | 33 | | | |
| | | | | 33 | | | |
| | | | | 34 | | | |
| | | | | 34 | | | |
| | | | | 35 | | |
| | |
As of and for the half-year ended March 31
|
| |
As of and for the financial year ended September 30,
|
| ||||||||||||||||||||||||||||||||||||||||||||||||
| | |
2024(1)
|
| |
2024
|
| |
2023
|
| |
2023(1)
|
| |
2023
|
| |
2022
|
| |
2021
|
| |
2020
|
| |
2019
|
| |||||||||||||||||||||||||||
| | |
(in US$
millions) |
| | | | | | | | | | | | | |
(in US$
millions) |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | ||||||
| | |
(Unaudited)
|
| | | | | | | |||||||||||||||||||||||||||||||||||||||||||||
Income statements (2), (3) | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |||||
Net interest income
|
| | | | 5,954 | | | | | | 9,127 | | | | | | 9,113 | | | | | | 11,950 | | | | | | 18,317 | | | | | | 17,161 | | | | | | 16,858 | | | | | | 16,696 | | | | | | 16,907 | | |
Net fees income
|
| | | | 549 | | | | | | 842 | | | | | | 827 | | | | | | 1,073 | | | | | | 1,645 | | | | | | 1,671 | | | | | | 1,482 | | | | | | 1,592 | | | | | | 1,655 | | |
Net wealth management and insurance income
|
| | | | 142 | | | | | | 218 | | | | | | 347 | | | | | | 367 | | | | | | 562 | | | | | | 808 | | | | | | 1,211 | | | | | | 751 | | | | | | 1,029 | | |
Trading income
|
| | | | 237 | | | | | | 363 | | | | | | 387 | | | | | | 468 | | | | | | 717 | | | | | | 664 | | | | | | 719 | | | | | | 895 | | | | | | 929 | | |
Other income
|
| | | | 26 | | | | | | 40 | | | | | | 329 | | | | | | 264 | | | | | | 404 | | | | | | (698) | | | | | | 952 | | | | | | 249 | | | | | | 129 | | |
Net operating income
|
| | | | 6,909 | | | | | | 10,590 | | | | | | 11,003 | | | | | | 14,121 | | | | | | 21,645 | | | | | | 19,606 | | | | | | 21,222 | | | | | | 20,183 | | | | | | 20,649 | | |
Operating expenses
|
| | | | (3,520) | | | | | | (5,395) | | | | | | (4,988) | | | | | | (6,975) | | | | | | (10,692) | | | | | | (10,802) | | | | | | (13,311) | | | | | | (12,739) | | | | | | (10,106) | | |
Impairment (charges)/benefits
|
| | | | (236) | | | | | | (362) | | | | | | (390) | | | | | | (423) | | | | | | (648) | | | | | | (335) | | | | | | 590 | | | | | | (3,178) | | | | | | (794) | | |
Profit before income tax
expense |
| | | | 3,153 | | | | | | 4,833 | | | | | | 5,625 | | | | | | 6,723 | | | | | | 10,305 | | | | | | 8,469 | | | | | | 8,501 | | | | | | 4,266 | | | | | | 9,749 | | |
Income tax expense
|
| | | | (973) | | | | | | (1,491) | | | | | | (1,620) | | | | | | (2,025) | | | | | | (3,104) | | | | | | (2,770) | | | | | | (3,038) | | | | | | (1,974) | | | | | | (2,959) | | |
Net profit attributable to non-controlling interests
|
| | | | — | | | | | | — | | | | | | (4) | | | | | | (4) | | | | | | (6) | | | | | | (5) | | | | | | (5) | | | | | | (2) | | | | | | (6) | | |
Net profit attributable to owners of Westpac Banking
Corporation |
| | | | 2,180 | | | | | | 3,342 | | | | | | 4,001 | | | | | | 4,694 | | | | | | 7,195 | | | | | | 5,694 | | | | | | 5,458 | | | | | | 2,290 | | | | | | 6,784 | | |
Balance sheets (2), (3) | | | | | | | | | | | |||||||||||||||||||||||||||||||||||||||||||||
Loans
|
| | | | 512,029 | | | | | | 784,839 | | | | | | 749,931 | | | | | | 504,471 | | | | | | 773,254 | | | | | | 739,647 | | | | | | 709,784 | | | | | | 693,059 | | | | | | 714,770 | | |
Additional assets
|
| | | | 174,727 | | | | | | 267,822 | | | | | | 269,177 | | | | | | 167,354 | | | | | | 256,520 | | | | | | 274,551 | | | | | | 226,093 | | | | | | 218,887 | | | | | | 191,856 | | |
Total assets
|
| | | | 686,756 | | | | | | 1,052,661 | | | | | | 1,019,108 | | | | | | 671,825 | | | | | | 1,029,774 | | | | | | 1,014,198 | | | | | | 935,877 | | | | | | 911,946 | | | | | | 906,626 | | |
Deposits and other borrowings
|
| | | | 458,132 | | | | | | 702,226 | | | | | | 676,352 | | | | | | 448,961 | | | | | | 688,168 | | | | | | 659,129 | | | | | | 626,955 | | | | | | 591,131 | | | | | | 563,247 | | |
Debt issues
|
| | | | 104,241 | | | | | | 159,781 | | | | | | 148,952 | | | | | | 102,148 | | | | | | 156,573 | | | | | | 144,868 | | | | | | 128,779 | | | | | | 150,325 | | | | | | 181,457 | | |
Loan capital
|
| | | | 24,321 | | | | | | 37,280 | | | | | | 31,025 | | | | | | 21,644 | | | | | | 33,176 | | | | | | 31,254 | | | | | | 29,067 | | | | | | 23,949 | | | | | | 21,826 | | |
Additional liabilities
|
| | | | 52,723 | | | | | | 80,814 | | | | | | 90,111 | | | | | | 51,747 | | | | | | 79,318 | | | | | | 108,438 | | | | | | 78,984 | | | | | | 78,467 | | | | | | 74,589 | | |
Total liabilities
|
| | | | 639,418 | | | | | | 980,101 | | | | | | 946,440 | | | | | | 624,500 | | | | | | 957,235 | | | | | | 943,689 | | | | | | 863,785 | | | | | | 843,872 | | | | | | 841,119 | | |
Total shareholders’ equity and non-controlling interests
|
| | | | 47,338 | | | | | | 72,560 | | | | | | 72,668 | | | | | | 47,324 | | | | | | 72,539 | | | | | | 70,509 | | | | | | 72,092 | | | | | | 68,074 | | | | | | 65,507 | | |
| | |
As of
March 31, 2024 |
| |||||||||
| | |
Actual
|
| |
As adjusted
|
| ||||||
| | | | | | | | |
(unaudited)
|
| |||
| | |
(in A$ millions)
|
| |||||||||
Cash and balances with central banks
|
| | | | 95,907 | | | | | | 95,907 | | |
Debt issues
|
| | | | 159,781 | | | | | | 159,781 | | |
Notes offered hereby
|
| | | | — | | | | | | 4,598(1) | | |
Loan capital
|
| | | | 37,280 | | | | | | 37,280 | | |
Shareholders’ equity and non-controlling interests | | | | | | | | | | | | | |
Share capital
|
| | | | 38,186 | | | | | | 38,186 | | |
Reserves
|
| | | | 2,157 | | | | | | 2,157 | | |
Retained profits
|
| | | | 32,179 | | | | | | 32,179 | | |
Non-controlling interests
|
| | | | 38 | | | | | | 38 | | |
Total shareholders’ equity and non-controlling interests
|
| | | | 72,560 | | | | | | 72,560 | | |
Total capitalization
|
| | | | 269,621 | | | | | | 274,219 | | |
Underwriter
|
| |
Principal Amount of
5.200% Notes |
| |
Principal Amount of
5.050% Notes |
| |
Principal Amount of 2026
Floating Rate Notes |
| |
Principal Amount of 2029
Floating Rate Notes |
|
Barclays Capital Inc.
|
| |
US$150,000,000
|
| |
US$150,000,000
|
| |
US$150,000,000
|
| |
US$150,000,000
|
|
BofA Securities, Inc.
|
| |
150,000,000
|
| |
150,000,000
|
| |
150,000,000
|
| |
150,000,000
|
|
Goldman Sachs & Co. LLC
|
| |
150,000,000
|
| |
150,000,000
|
| |
150,000,000
|
| |
150,000,000
|
|
Morgan Stanley & Co. LLC
|
| |
150,000,000
|
| |
150,000,000
|
| |
150,000,000
|
| |
150,000,000
|
|
Westpac Banking Corporation
|
| |
142,500,000
|
| |
142,500,000
|
| |
142,500,000
|
| |
142,500,000
|
|
Credit Agricole Securities (USA) Inc.
|
| |
3,750,000
|
| |
3,750,000
|
| |
3,750,000
|
| |
3,750,000
|
|
Natixis Securities Americas LLC
|
| |
3,750,000
|
| |
3,750,000
|
| |
3,750,000
|
| |
3,750,000
|
|
Total
|
| |
US$750,000,000
|
| |
US$750,000,000
|
| |
US$750,000,000
|
| |
US$750,000,000
|
|
Financial Year
|
| |
At Period End
|
| |
Average Rate(1)
|
| |
High
|
| |
Low
|
| ||||||||||||
2019
|
| | | | 0.6746 | | | | | | 0.7023 | | | | | | 0.7360 | | | | | | 0.6730 | | |
2020
|
| | | | 0.7160 | | | | | | 0.6815 | | | | | | 0.7388 | | | | | | 0.5755 | | |
2021
|
| | | | 0.7228 | | | | | | 0.7490 | | | | | | 0.7953 | | | | | | 0.7006 | | |
2022 | | | | | 0.6437 | | | | | | 0.7097 | | | | | | 0.7598 | | | | | | 0.6437 | | |
2023 | | | | | 0.6451 | | | | | | 0.6651 | | | | | | 0.7102 | | | | | | 0.6219 | | |
2024(2) | | | | | 0.6616 | | | | | | 0.6563 | | | | | | 0.6844 | | | | | | 0.6290 | | |
|
SEC Registration Fee
|
| |
US$442,586.35
|
|
|
Printing Expenses
|
| |
15,000.00
|
|
|
Trustee’s Fees and Expenses
|
| |
7,500.00
|
|
|
Accountants’ Fees and Expenses
|
| |
80,000.00
|
|
|
Legal Fees and Expenses
|
| |
140,000.00
|
|
|
Total
|
| |
US$685,086.35
|
|
| | |
Page
|
| |||
| | | | 1 | | | |
| | | | 2 | | | |
| | | | 4 | | | |
| | | | 6 | | | |
| | | | 7 | | | |
| | | | 20 | | | |
| | | | 30 | | | |
| | | | 32 | | | |
| | | | 32 | | | |
| | | | 33 | | | |
| | | | 33 | | | |
| | | | 34 | | | |
| | | | 34 | | | |
| | | | 35 | | |
Financial Year
|
| |
At Period
End |
| |
Average
Rate(1) |
| |
High
|
| |
Low
|
| ||||||||||||
2017
|
| | | | 0.7840 | | | | | | 0.7624 | | | | | | 0.8071 | | | | | | 0.7174 | | |
2018
|
| | | | 0.7238 | | | | | | 0.7583 | | | | | | 0.8105 | | | | | | 0.7107 | | |
2019
|
| | | | 0.6746 | | | | | | 0.7023 | | | | | | 0.7360 | | | | | | 0.6730 | | |
2020
|
| | | | 0.7160 | | | | | | 0.6815 | | | | | | 0.7388 | | | | | | 0.5755 | | |
2021
|
| | | | 0.7228 | | | | | | 0.7490 | | | | | | 0.7953 | | | | | | 0.7006 | | |
2022(2) | | | | | 0.7510 | | | | | | N/A | | | | | | 0.7547 | | | | | | 0.7258 | | |
| Barclays | | |
BofA Securities
|
| |
Goldman Sachs & Co. LLC
|
| |
Morgan Stanley
|
| |
Westpac Banking Corporation
|
|
|
Credit Agricole CIB
|
| |
Natixis
|
|
Exhibit 107
Calculation of Filing Fee Tables
424(b)(5)1
(Form Type)
Westpac Banking Corporation
(Exact Name of Registrant as Specified in its Charter)
Table 1: Newly Registered Securities
Security Type |
Security Class Title |
Fee Calculation or Carry Forward Rule |
Amount Registered |
Proposed Maximum Offering Price Per Unit |
Maximum Aggregate Offering Price |
Fee Rate | Amount of Registration Fee |
Carry Forward Form Type |
Carry Forward File Number |
Carry Forward Initial effective date |
Filing Fee Previously Paid In Connection with Unsold Securities to be Carried Forward | |||||||||||||
Newly Registered Securities | ||||||||||||||||||||||||
Fees to Be Paid
|
Senior Debt Securities |
5.200% Notes due April 16, 2026 |
Rule 457(r) | US$750,000,000 | 99.992% | US$749,940,000 | 0.0001476 | US$110,691.14 | ||||||||||||||||
Senior Debt Securities |
5.050% Notes due April 16, 2029 |
Rule 457(r) | US$750,000,000 | 99.815% | US$748,612,500 | 0.0001476 | US$110,495.21 | |||||||||||||||||
Senior Debt Securities |
2026 Floating Rate Notes due April 16, 2026 |
Rule 457(r) | US$750,000,000 | 100.000% | US$750,000,000 | 0.0001476 | US$110,700.00 | |||||||||||||||||
Senior Debt Securities |
2029 Floating Rate Notes due April 16, 2029 |
Rule 457(r) | US$750,000,000 | 100.000% | US$750,000,000 | 0.0001476 | US$110,700.00 | |||||||||||||||||
Total | US$2,998,552,506 | US$442,586.35 |
1 | Final Prospectus Supplement |
Z+
MCKTH/H]BR[.YC=I7C_)\R&(SZAW6G(&0@!(&G8.GRU@KJ.NM,-+
M>>6EMEM)6XXLA*4I2-223P %!A#?&^VC(]R[O=+'+1-MRTQVD26M>[4IEA#:
M^4D#4!0(U' ]7"LX17=!]$]OE)7@>,*0H*2;5!T(XC_VZ*P5E_Q.88_9LQ;R
MMAL_-E^0D.. >Y1,82$*2>SF0$K':>;LK*$495&AO#ANM Q]3N#Y'(3&@2WN
M^M,QT\K;;Z] MI:CP2E>@*3TVH1!N
MK9/NPZTGE2X1V.) 7KVZCJI(L.H% H*JW_SAC$<#EP6G0+S?D+@0F@?=!I8T
M?<[=$H.FOPE)JP/
LN)&CJQ4H% H% H%!R;YB^.Y*TEJ_6R-<$H_BR^VE:T_:J]\GT&
MOQR8;,G]T1+G:37ZC2S7#?=9R3_)LKM>23^KK/'_S9 _\ 4KC?3]/W>MW/
M[HWG^M/1;['\_
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