 Westpac Banking Corporation NYSE:WBK Q4 2022 Results Conference Call November 6, 2022 6:00 PM ET Company Participants Andrew Bowden - IR Peter King - CEO Michael Rowland - CFO Conference Call Participants Victor German - Macquarie Jarrod Martin - Crédit Suisse Andrew Triggs - JPMorgan Jon Mott - Barrenjoey Peter Redhead - Macquarie Andrew Lyons - Goldman Sachs Brendan Sproules - Citigroup Brian Johnson - Jefferies Richard Wiles - Morgan Stanley Azib Khan - ABN Amro James Ellis - BofA Joyce Moullakis - The Australian Gerard Cockburn - The Canberra Times Nathan Zaia - Morningstar Clancy Yeates - The Sydney Morning Herald Fabian Cotter - Yahoo News Australia Andrew Bowden Good morning, everyone, and welcome to Westpacs Full Year 2022 results. My name is Andrew Bowden, Im the GM of Investor Relations. 