| Interest income: | — | — | — |
| Calculated using the effective interest method | 52,739a | 42,515a | 22,981a |
| Other | 1,608a | 1,237a | 270a |
| Total interest income | 54,347a | 43,752a | 23,251a |
| Interest expense | -35,594a | -25,435a | -6,090a |
| Net interest income | 18,753a | 18,317a | 17,161a |
| Non-interest income | — | — | — |
| Net fees | 1,672a | 1,645a | 1,671a |
| Net wealth management and insurance | 441a | 562a | 808a |
| Trading | 704a | 717a | 664a |
| Other | 18a | 404a | -698a |
| Total non-interest income | 2,835a | 3,328a | 2,445a |
| Net operating income | 21,588a | 21,645a | 19,606a |
| Operating expenses | -10,944a | -10,692a | -10,802a |
| Impairment (charges)/benefits | -537a | -648a | -335a |
| Profit before income tax expense | 10,107a | 10,305a | 8,469a |
| Income tax expense | -3,117a | -3,104a | -2,770a |
| Profit after income tax expense | 6,990a | 7,201a | 5,699a |
| Net profit attributable to non-controlling interests (NCI) | | -6a | -5a |
| Net profit attributable to owners of Westpac Banking Corporation (WBC) | 6,990a | 7,195a | 5,694a |