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Westpac Banking
Westpac Banking (WBC) investor relations material
Westpac Banking Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary12 Feb, 2026
Executive summary
Statutory net profit for the quarter was $1.9bn, up 5% compared to the 2H25 average, with net profit excluding notable items up 6% over the same period, reflecting disciplined execution of strategic priorities.
Revenue rose 1% year-over-year, with net interest income up 2% and non-interest income down 4% due to lower markets revenue.
Operating expenses decreased by 5% compared to the 2H25 average, supporting a 7% increase in pre-provision profit; expenses were stable excluding prior restructuring charges.
Customer deposits grew by $12bn, with household deposits up 3% and business transactional deposits up 4%.
Loans increased by $22bn, led by 7% growth in institutional lending and 3% in Australian mortgages (ex-RAMS) and business.
Financial highlights
Net interest margin (NIM) was 1.94%, down 1 basis point from the previous quarter; core NIM declined 3 basis points to 1.79%.
Return on equity (ROE) improved to 10.4%, up 46 basis points from the 2H25 average.
Operating expenses, excluding restructuring, were stable at $3bn.
Credit impairment charges remained low at 6 basis points of average gross loans, though up 44% sequentially.
CET1 capital ratio at 12.3%, reduced by the full year 2025 dividend payment.
Outlook and guidance
Deposit growth expected to remain strong through FY 2026.
Institutional lending growth expected to moderate for the remainder of FY 2026.
Expense growth for FY 2026 anticipated to be largely offset by productivity savings, with over $500m targeted.
Economic scenarios for credit loss provisioning assume GDP growth of 2.2% in 2025 and 2.4% in 2026, with unemployment rising to 4.6%.
Optimistic on economic outlook, expecting resilient demand for business and household credit.
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Next Westpac Banking earnings date
Q2 20265 May, 2026
Westpac Banking
Next Westpac Banking earnings date
Q2 20265 May, 2026
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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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