Westpac is one of Australia's four major banks, offering retail, business, and institutional banking services primarily in Australia and New Zealand. Westpac operates under multiple brands — Westpac, St. George, BankSA, and Bank of Melbourne — and serves customers through branches, digital channels, mortgage brokers, and relationship bankers. The bank's balance sheet is dominated by Australian housing loans, making mortgages the core product, with business lending to SMEs, commercial, and corporate customers as the second major loan category. Westpac earns the vast majority of its revenue through net interest income — the spread between what it earns on loans and what it pays on deposits and wholesale funding. Westpac funds itself primarily through customer deposits, supplemented by wholesale debt. Westpac operates through four customer-facing segments: Consumer (retail banking), Business & Wealth (SME and commercial banking plus wealth management), Institutional (corporate and government clients), and New Zealand (full-service banking via Westpac NZ). Australia generates roughly 83% of revenue. Westpac's key strategic priority is UNITE, a multi-year technology program consolidating three legacy banking platforms onto a single core system, targeting a lower cost base and a tighter cost-to-income ratio. Alongside UNITE, Westpac is investing in Biz Edge, an AI-powered business lending platform, and Westpac One, a new institutional transaction banking platform. Capital is allocated across organic growth, UNITE investment, dividends, and share buybacks.