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Westpac Banking (WBC) investor relations material
Westpac Banking Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary13 Aug, 2025
Executive summary
Statutory net profit for 3Q25 was $1.9bn, up 14% year-over-year, with strong business and institutional banking growth.
Revenue increased 4% due to disciplined growth and favorable market conditions.
Net interest margin (NIM) rose to 1.99%, with core NIM up 5bps to 1.85% on improved loan and deposit margins.
Expenses increased 3% driven by higher investment spend and wage growth.
Customer service improved with new branches and AI-driven scam detection pilots.
Financial highlights
Net interest income for 3Q25 was $5.0bn, up from $4.8bn in 1H25 average.
Non-interest income was $0.8bn, up from $0.7bn in 1H25 average, supported by stronger Markets revenue.
Pre-provision profit reached $2.8bn, up from $2.6bn in 1H25 average.
Return on equity (ROE) improved to 10.5% from 9.4% in 1H25 average; ROTE excluding Notable Items at 11.7%, up 57bps.
Gross loans increased to $829bn, up $16bn from March 2025.
Outlook and guidance
Management notes positive market conditions and disciplined growth supporting revenue.
Lower interest rates and moderated inflation expected to support private sector recovery and lending growth.
Transformation agenda focused on simplifying operations and accelerating innovation.
Commitment to supporting productivity improvements in Australia, with policy priorities in housing, regions, and energy transition.
Weighting to downside scenario in credit loss provisioning increased to 47.5%.
Elaborate on the 'Fit for Growth' program.
Explain the drivers behind deposit growth.
How will policy priorities improve productivity?
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Next Westpac Banking earnings date
H2 20253 Nov, 2025
Next Westpac Banking earnings date
H2 20253 Nov, 2025
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Frequently asked questions
Westpac Banking Corporation provides various banking and financial services in Australia, New Zealand, the Americas, Asia, Europe, and internationally. The company operates in four divisions: Retail Bank (Westpac-branded retail and business banking operations), Corporate & Institutional Bank (financial markets, institutional banking, trade services, foreign currency exchange, payments systems, and treasury services), Investment & Asset Management (investment solutions and wealth management), and Westpac New Zealand (domestic banking in New Zealand). It has 1.6 million customer accounts. Westpac Banking Corporation is headquartered in Sydney, Australia.
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