Westpac Banking Income Statement

Financials in millions AUD. Fiscal year is October - September.

Millions AUD. Fiscal year is Oct - Sep.

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022
Interest Income on Loans	53,688	53,054	52,739	42,515	22,981
Interest Income on Investments	2,297	1,988	1,608	1,237	270
Total Interest Income	55,985	55,042	54,347	43,752	23,251
Interest Paid on Deposits	36,403	35,662	35,594	25,435	6,090
Net Interest Income	19,582	19,380	18,753	18,317	17,161
Net Interest Income Growth	1.04%	3.34%	2.38%	6.74%	1.80%
Income From Trading Activities	703	717	704	717	664
Gain (Loss) on Sale of Assets	-	-	249	-	-826
Other Non-Interest Income	2,317	2,287	1,882	2,611	2,607
Total Non-Interest Income	3,020	3,004	2,835	3,328	2,445
Non-Interest Income Growth	0.53%	5.96%	-14.81%	36.12%	-43.97%
Revenues Before Loan Losses	22,602	22,384	21,588	21,645	19,606
Provision for Loan Losses	864	424	537	648	335
Revenue	21,738	21,960	21,051	20,997	19,271
Revenue Growth	-1.01%	4.32%	0.26%	8.96%	-11.65%
Salaries and Employee Benefits	6,362	6,223	5,711	5,775	5,644
Occupancy Expenses	701	652	700	786	797
Amortization of Goodwill & Intangibles	1,008	1,018	923	631	546
Selling, General & Administrative	3,206	3,175	2,960	2,795	2,906
Other Non-Interest Expense	457	486	443	382	338
Total Non-Interest Expense	11,857	11,649	10,834	10,459	10,319
EBT Excluding Unusual Items	9,881	10,311	10,217	10,538	8,952
Asset Writedown	-	-	-19	-	-349
Pretax Income	9,809	10,044	10,107	10,305	8,469
Income Tax Expense	2,980	3,111	3,117	3,104	2,770
Earnings From Continuing Operations	6,829	6,933	6,990	7,201	5,699
Minority Interest in Earnings	-16	-17	-	-6	-5
Net Income	6,813	6,916	6,990	7,195	5,694
Preferred Dividends & Other Adjustments	7	6	7	5	-
Net Income to Common	6,806	6,910	6,983	7,190	5,694
Net Income Growth	-1.50%	-1.04%	-2.88%	26.27%	4.32%
Basic Shares Outstanding	3,415	3,422	3,476	3,502	3,559
Diluted Shares Outstanding	3,510	3,690	3,895	3,891	3,889
Shares Change	-4.88%	-5.26%	0.10%	0.05%	-5.56%
EPS (Basic)	1.99	2.02	2.01	2.05	1.60
EPS (Diluted)	1.99	1.99	1.92	1.95	1.52
EPS Growth	-0.23%	4.03%	-1.80%	28.08%	10.57%

Additional Metrics

Fiscal Year	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Sep '26 Sep 30, 2026	Sep '25 Sep 30, 2025	Sep '24 Sep 30, 2024	Sep '23 Sep 30, 2023	Sep '22 Sep 30, 2022
Dividend Per Share	1.540	1.530	1.510	1.420	1.250
Dividend Growth	0.65%	1.32%	6.34%	13.60%	5.93%
Effective Tax Rate	30.38%	30.97%	30.84%	30.12%	32.71%