Westpac Banking Corporation (
F4Q10 and Full-Year (Year End 09/30/10) Earnings Conference Call
November 2, 2010 8:00 PM ET
Andrew Bowden – Head of IR
Gail Kelly – CEO
Phil Coffey – CFO
Rob Coombe – Head of Retail and Business Banking Operations
Curt Zuber – Group Treasurer
George Frazis – Chief Executive of Westpac New Zealand Limited
John Watts – UBS
Victor German – Nomura
James Freeman – Deutsche Bank
Ben Koo – Goldman Sachs
Jarrod Martin – Credit Suisse
Ben Zucker – CBA Equities
Richard Wiles – Morgan Stanley
Craig Williams – Citigroup
Matt Davison – Bank of America-Merrill Lynch
Brian Johnson – CLSA
Brett Le Mesurier – Axiom Equities
T.S. Lim – Southern Cross
Scott Manning – JPMorgan
Johan Vanderlugt – Daiwa Capital Markets
Good morning and welcome to Westpac's full year 2010 results announcement. My name is Andrew Bowden. Thanks for joining us whether you're here in person or in the web.
Presenting this morning will be Gail Kelly, our CEO, and Phil Coffey, our CFO. And as per usual practice, we'll run through the presentation that was launched this morning and then we'll open up for questions.
So without further ado, let me invite Gail Kelly to the [inaudible] and to start proceedings. Thanks, Gail.
Thanks very much, Andrew, and good morning everyone, those of you in person and those of you who are listening in by the way of telephone. Welcome to you all.
And I certainly realize it was only a month ago that we were actually here together discussing the productivity and IT initiatives, but today of course is our full year 2010 results, and I have all of my team here to help take questions, any questions that you may have at the conclusion of our presentation, and George Frazis who's on the phone from New Zealand.