Company: WEBNF
Filing Date: 2025-11-04
Form Type: 20-F
Source: 0001104659-25-105894
Chunk: 91

Company: WESTPAC BANKING CORP
Filing Date: 2025-11-04
Form: 20-F
Item: Item 14
Chunk 91
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55,010            84,115
Total financial liabilities excluding loan capital                          543,377       77,888         157,356        107,442        75,094           961,157
Loan capital                                                           62             315            836                9,375          41,551            52,139
Total undiscounted financial liabilities                                    543,439       78,203         158,192        116,817        116,645        1,013,296
Total contingent liabilities and commitments                                      ​   ​   ​          ​   ​          ​   ​          ​   ​          ​           ​
Financial guarantees, letters of credit and other credit substitutes         14,642       -              -              -              -                 14,642
Performance-related contingencies                                      ​      5,369       -              -              -              -                  5,369
Remaining commitments to extend credit                                      167,851   ​   -          ​   -          ​   -          ​   -          ​     167,851
Total undiscounted contingent liabilities and commitments                   187,862       -              -              -              -                187,862
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WESTPAC GROUP 2025 ANNUAL REPORT
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NOTES TO THE FINANCIAL STATEMENTS

Note 21.Risk management, funding and liquidity risk and market risk (Continued)
21.2.5. Expected maturityThe financial liability balances in the following tables will not agree to the contractual maturity tables (Note 21.2.4) due to the impact of discounting and the exclusion of interest accruals beyond the reporting period. Assets and liabilities that have no specific maturity (such as equity securities) are generally included in the ‘Greater than 12 months’ column. Loans and deposits are presented in the following table on a contractual basis, however the behavioural life may differ. Loans may be repaid earlier than their contractual maturity and Westpac would expect a large proportion of deposit balances to be retained.
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​                                                          2025                                                ​                                            2024
Consolidated                                                   Due within   ​   Greater than   ​           ​   ​   Due within       Greater than               ​
$m                                                              12 months