Company: WEBNF
Filing Date: 2025-06-26
Form Type: 424B5
Source: 0001104659-25-062718
Chunk: 70

Company: WESTPAC BANKING CORP
Filing Date: 2025-06-26
Form: 424B5
Chunk 70
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 which we refer to as CIB; Global Transaction Services, which we refer to as GTS; and Financial Markets, which we refer to as FM. CIB uses dedicated industry relationship and specialist product teams to support clients’ borrowing needs. GTS is responsible for the provision of payments and liquidity management solutions to WIB’s clients and Westpac’s domestic and international payments infrastructure. FM provides a range of risk management, investment and debt capital markets solutions to WIB clients and access to financial markets products for consumer and business customers. Clients are supported throughout Australia and via branches and subsidiaries located in New Zealand, New York, London, Frankfurt and Singapore.

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Westpac New Zealand provides banking and wealth products and services for consumer, business and institutional customers in New Zealand.

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The Group Businesses segment comprises:

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Treasury, which is responsible for the management of the Group’s balance sheet including wholesale funding, capital and liquidity. Treasury also manages interest rate risk and foreign exchange risks associated with wholesale funding;

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Enterprise services, which include earnings on capital not allocated to segments, certain intra-group transactions and gains/losses from asset sales, earnings and costs associated with the Group’s fintech investments; and

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Other costs which include expenses not directly attributable to segments including Corporate Affairs, a portion of enterprise technology costs related to our business led technology simplification program, UNITE, certain customer remediation expenses and enterprise provisions.

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### USE OF PROCEEDS
We intend to use the net proceeds from the sale of the securities offered by this prospectus for general corporate purposes, unless otherwise specified in the prospectus supplement or term sheet relating to a specific issue of securities. Our general corporate purposes may include financing our activities and those of our subsidiaries, including refinancing outstanding indebtedness, financing our assets and those of our subsidiaries, lengthening the average maturity of our borrowings, and financing acquisitions.

Until we use the net proceeds from the sale of any of our securities offered by this prospectus for general corporate purposes, we may use the net proceeds to reduce our short-term indebtedness or for temporary investments.

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### DESCRIPTION OF THE SENIOR DEBT SECURITIES
The following discussion describes the general terms and conditions applicable to Senior Debt Securities that we may offer. In addition to these general provisions, in connection with an investment in a particular series of Senior Debt Securities, investors should review the description of the provisions and any risk factors applicable