Company: WEBNF
Filing Date: 2025-06-26
Form Type: 424B5
Source: 0001104659-25-062718
Chunk: 9

Company: WESTPAC BANKING CORP
Filing Date: 2025-06-26
Form: 424B5
Chunk 9
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the effectiveness of our risk management, including our framework, policies, processes, practices, governance, accountability and culture;

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the reliability and security of our technology and risks associated with changes to technology systems that we use or are used in connection with our business;

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climate-related risks (including physical, transition and liability risks) that may arise from changing climate patterns, and risks associated with the transition to a lower carbon economy (including our ambition to become a net-zero, climate resilient bank) or risks from legal and regulatory action, or risks from other sustainability factors such as human rights and natural capital;

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the failure to comply with financial crime obligations (including anti-money laundering and counter-terrorism financing laws, anti-bribery and corruption laws, sanctions laws and tax transparency laws);

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internal and external events which may adversely impact our reputation;

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litigation and other legal proceedings and regulator investigations and enforcement actions (including our liability to pay significant monetary settlements and legal costs in order to resolve a dispute);

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adverse funding market conditions including market volatility, disruptions and decreased liquidity;

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inadequate capital levels;

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material downturn or shock to the economies of Australia or New Zealand, or a slowdown in economic growth or change in policy settings of Australia’s major trading partners;

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declines in asset markets or an increase in impairments and provisioning;

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sovereign risks;

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failure to maintain our credit ratings;

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the effects of market competition and competition regulatory policy impacting the areas in which we operate;

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operational risks resulting from inadequate or failed internal processes, people and systems or from external events;

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market risk resulting from changes in market factors, such as foreign exchange rates, commodity prices, equity prices, credit spreads and interest rates;

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poor data quality, data availability, data controls, data retention or data destruction;

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evaluation and implementation of strategic decisions, priorities and objectives including to simplify, streamline, diversify, innovate, separate, divest, retain, acquire, invest and integrate;

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failure to recruit and retain key executives, employees and Directors;

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changes to our critical accounting assumptions and estimates;

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our ability to incur additional indebtedness and any limitations contained in the agreements governing such indebtedness; and

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various other factors including those beyond our control.

All forward-looking statements speak only as of the date made. We are under no obligation to revise or update any forward-looking statements contained or incorporated by reference in this prospectus supplement, whether as a