Investor Presentaiton
Sep-18
Sep-19
Chart does not add to 100 due to rounding
Balance sheet funding.
Maintained a high level of customer deposit funding in FY22.
Funding composition (%)
By residual maturity
Capital, funding and liquidity
Customer deposits and net loans ($bn)
Wholesale onshore <1yr1
Customer deposits
Net loans
Customer deposits to net loans ratio (%)
5
7
57
6
65
6
Wholesale offshore <1yr1
79.8
81.6
83.5
82.9
6
Wholesale onshore >1yr
Wholesale offshore >1yr
Securitisation
4
5
CO
6
6
5
Equity²
690
711
720
740
580
601
613
550
12
12
10
8
8
83
63
63
63
65
95
8
∞ -ō
Customer deposits
9
+7
816
11
1
Mar-21
Sep-21
Mar-22
Sep-22
65
55
65
55
Customer deposits
70% of total funding
excluding equity
Net stable funding ratio (%)
1.8
0.7
125
1.0
(0.2)
121
(4.2)
(3.5)
Sep-20
Sep-21
Sep-22
93
Westpac Group 2022 Full Year Results Presentation & Investor Discussion Pack
1 Includes long term wholesale funding with a residual maturity less than or equal to 1 year. 2 Equity excludes FX translation, available-for-sale securities and cash flow hedging reserves.
Mar-22
Capital
Retail & SME
Deposits
Corporate &
Institutional Deposits
Wholesale funding
and other
Residential
Mortgages ≤35% Risk
Weight
Other loans, liquids &
other
Westpac GROUP
Sep-22View entire presentation