Company: WEBNF
Filing Date: 2025-06-26
Form Type: 424B5
Source: 0001104659-25-062718
Chunk: 68

Company: WESTPAC BANKING CORP
Filing Date: 2025-06-26
Form: 424B5
Chunk 68
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 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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TABLE OF CONTENTS

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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), which has had, and could further have, adverse effects on our business and reputation;

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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 ability to pay significant monetary settlements and legal costs in order to resolve a dispute);

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market volatility and disruptions, including uncertain conditions in funding, equity and asset markets and any losses or business impacts we or our customers or counterparties may experience;

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the incidence of inadequate capital levels;

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changes in economic conditions, consumer or business spending, saving and borrowing habits in Australia, New Zealand and other countries in which we or our customers or counterparties operate and our ability to maintain or to increase market share, margins and fees, and control expenses;

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adverse asset, credit or capital market conditions or an increase in defaults, impairments and provisioning because of a deterioration in economic conditions;

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sovereign risks, including the risk that governments will default on their debt obligations, fail to perform contractual obligations, or be unable to refinance their debts;

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changes to our credit ratings or the methodology used by credit rating agencies;

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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 ineffective processes and controls;

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levels of inflation, changes to interest rates, exchange rates and market and monetary fluctuations and volatility;

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poor data quality, data availability or data retention;

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strategic decisions including diversification, innovation, retention, divestment, acquisitions, expansion activity, integration and decisions to shut down some operations;

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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 and changes to the value of our intangible assets;

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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 update any forward-looking statements contained or incorporated by reference in this prospectus, whether as a result of new information, future events, conditions or otherwise.

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