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Westpac Posts Strong Year-End Capital and Liquidity in December 2025 Pillar 3 Report

Story Highlights
  • Westpac’s December 2025 Pillar 3 Report confirms solid capital, liquidity and risk positions despite a modest CET1 ratio decline.
  • The bank’s 21.57% total capital ratio, bolstered by A$1.0 billion Tier 2 issuance, exceeds new D-SIB regulatory minimums from January 2026.
  • Looking for the best stocks to buy? Follow the recommendations of top-performing analysts.
Westpac Posts Strong Year-End Capital and Liquidity in December 2025 Pillar 3 Report

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Westpac Banking ( (AU:WBC) ) has issued an update.

On 13 February 2026, Westpac Banking Corporation released its Pillar 3 Report detailing capital, liquidity and risk metrics as at 31 December 2025, in line with Australian Prudential Regulation Authority disclosure rules. The filing, lodged with the U.S. Securities and Exchange Commission via Form 6-K, also incorporates the report by reference into Westpac’s existing U.S. debt registration statements.

The report shows a Level 2 Common Equity Tier 1 capital ratio of 12.31%, down 22 basis points from 30 September 2025, mainly reflecting the payment of the 2025 final dividend partly offset by quarterly net profit. Westpac’s total capital ratio stood at 21.57%, comfortably above the new 18.25% minimum for domestic systemically important banks effective 1 January 2026, supported by a A$1.0 billion Tier 2 issuance and robust liquidity and funding ratios that underscore the bank’s regulatory capital strength and resilience for investors and creditors.

The most recent analyst rating on (AU:WBC) stock is a Hold with a A$39.00 price target. To see the full list of analyst forecasts on Westpac Banking stock, see the AU:WBC Stock Forecast page.

More about Westpac Banking

Westpac Banking Corporation is one of Australia’s major banks and an authorised deposit‑taking institution regulated by the Australian Prudential Regulation Authority. The group provides retail, business and institutional banking services across Australia and New Zealand, with a strong focus on capital strength, liquidity, and adherence to Basel III prudential standards.

Average Trading Volume: 3,802,696

Technical Sentiment Signal: Buy

Current Market Cap: A$137.6B

Learn more about WBC stock on TipRanks’ Stock Analysis page.

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