Westpac Banking Corporation ( WBK) F4Q10 and Full-Year (Year End 09/30/10) Earnings Conference Call November 2, 2010 8:00 PM ET Executives 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 Analysts 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 PresentationAndrew Bowden
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. Gail Kelly 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.