Westpac Banking Corporation: A Visual Presentation Analysis Report

This report provides an analysis of the visual presentation of data within Westpac Banking Corporation's reports, evaluating the effectiveness of charts, tables, and graphs. The analysis is structured around predefined criteria, including the use of 360-degree representations, percentage values, data classification, currency variations, and trend depictions. Specific examples from Westpac's reports are used to illustrate how these criteria are met or could be improved. The report also highlights the use of various graph types such as bar graphs, stacked bar graphs, and line graphs, examining their suitability for presenting different types of financial information, such as cash earnings, lending compositions, and funding ratios. The ultimate goal is to assess how well Westpac uses visual aids to communicate complex financial data to its stakeholders.

Running head: ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
Analyzing the Visual Presentation of Westpac Banking Corporation
Name of the Student
Name of the University
Author’s Note

1ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
Table of Contents
Part A – Developing Evaluation Criteria.............................................................................4
Part B – Report Evaluation..................................................................................................6
References..........................................................................................................................22

2ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
Part A – Developing Evaluation Criteria
This section of the study has covered a brief analysis of the various criteria of the
graphical representation of information used by Westpac.
1. 360 Degrees Representation of information: The important benefit in terms of
representation of data with the pie chart has been considered with information segregation into
multiple classes.
2. Values in terms of Percentage: This may often classify information with percentage value
and applying the specific weighting to the information.
3. Information classification into multiple classes: The use of pie chart and stacked bar graph
has been conducive in representation of the information into multiple classes.
4. Currency variations: The different changes pertaining to currency variations is often
represented in form of vertical bar graph and stacked bar graph.
5. Variables changing in terms of percentage: This particular usage of the information is
particularly evident in case of stacked bar graph and vertical bar graph.
6. Variations in the values adding up to a final value: This form of the representation of the
information is evident in case of vertical graph.
7. Depiction of the information range in currency: The inference of such an information can
be evident in form of vertical bar graph with histogram.
8. Effective variables used: The representation of information in this form of criteria can be
identified with operating expenses, Net Income Interest and credit expenses.

3ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
9. Trends mentioned in point: The representation of this form of information is evident with
vertical bar graph integration of data.
10. Formalization of trends overtime: The depiction of the various types of financial trend of
information can be evident with the use of a histogram.
11. Range of variables used: This system is particularly evident in form of using vertical bar
graph and stacked bar graph.
12. Use of shades in the graphical interpretation of the data: The identification of the
information is often inferred with representing the data in percentage form for each group and
plotting the same as per different color for better visual appearance.
13. Alteration of multiple data sets into a single stacked information: The inference of
information into a stacked bar graph is considered to useful in terms of quantities applied to the
individual groups.
14. Combination of data set: This particular trend has been depicted to be useful in terms of the
usage of line graphs.
15. Changes in the data: Used in representation of the data based on multiple fluctuations.
16. Encoding Procedure: Used in short and long figures for simplicity. The plotting of such an
information is seen with individual percentage applied to the total value in a group.
17. Data Integration: Useful in financial representation. The important benefit of representation
of such an information is also seen with representing market performance ratios.

4ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
18. Data Customization: Evident when used in legends. The X-axis will consist of number of
years and Y-axis will represent the currency presented with data customization.
19. Geometrics: Beneficial in 360-degree segregation. The use of X-axis has been particularly
useful in presentation of information as per yearly trend along with the use of geometrics.
20. Associations of information- Using information with more number of styles. Moreover, the
use of bar graph with the associations of the data can be considered with decreasing the financial
data and trend.
Part B – Report Evaluation
The graphical usage of information for Westpac Banking Corporation is mostly evident
with the usage of bar graph with trend line, double stacked bar graph and simple bar chart. Some
of the other forms of representing information is seen to be evident with the use of line graph.
Matching Criteria’s
The matching criteria for this information are evident with 360 Degrees Representation of
information, Values in terms of Percentage for Electricity generation exposure. The
Representation of Electricity generation exposure is directly seen to be matching with criteria 1
and the same is represented in the doughnut chart. For instance, it needs to be seen that in this
case the adherence to the criteria 1for Westpac is seen with using a doughnut chart. The use of
percentage of the information has been evident with electricity generation exposure expressed in
terms of the total percentage of TCE.

5ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
Representation of Electricity generation exposure
Representation of climate change
solutions exposure
Presentation of Portfolio physical risk Representation of Divisional
contribution
Figure 1: Representation of information in 360 format (Criteria1)
(Source: Westpac.com.au. 2018)
It can be clearly seen that the composition of the lending percentage of the information is
evident in form of using different shades. This is relevant with using shades of red for Australian
mortgages and New Zealand lending. Similarly shades of gray has been used for Australian
business, and Australian institutional. This is directly matching with criteria 12 which is related

6ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
to information which is inferred with representing the data in percentage form for each group and
plotting the same as per using different overheads with separate shades for better visualization.
Representation of lending composition
Depiction of composition of lending as
per total percentage
Representation of Climate Change Solutions Exposure % Of TCE
Commercial property portfolio representation based on region, borrower type and sector

7ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
Figure 2: Depiction of information with the use of different shades (Criteria 12)
(Source: Westpac.com.au. 2018)
The cumulative value added is seen to be evident in terms of Cash earnings movements
($m) half on half with variables amounting to FY 2018. In a similar way, it needs to be further
seen that the X-axis is considered with Change of variables in terms of currency, percentage and
values adding up to a final value. For example, there has been a decrease in the cash earnings
movement by 10%. This includes $ 4.3 increase in the remedial and funding costs. The
expressing of the values as per the currency changes is also evident with the use of. The criteria 6
is seen to be based on Change in the values adding up to a final value. For example, this is
evident with 425-263-22-278+76+116 summing up to 3814.
Depiction of Cash earnings half on half with
Bar Graph
Depiction of Cash earnings full year with
Bar Graph

8ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
Depiction of movement in expenses with Bar Graph
Depiction of net interest margin movement with Bar Graph
Depiction of movement in CET1 capital ratio with Bar Graph
Figure 3: Representation of Change in the values adding up to a final value
(Criteria 6)
(Source: Westpac.com.au. 2018)

9ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
The consideration of the criteria 17 is evaluated to be useful in financial representation.
The important benefit of such an information is also seen with representing market performance
ratios. This can be clearly depicted in several number of integration points for Westpac Banking
Corporation. This is directly represented to be evident as per term deposit, savings and
transactions in a stacked bar graph for time period September 17, March 18 and September 18
and relating the same to a doughnut graph to show the percentage of the term deposit, savings
and transactions. Some of the other elements of the integration can be discerned with
representing the data in terms of percentage. In addition to this, the representation has also
followed using of different shades of color.
Figure 2: Presentation of customer deposit mix (criteria 17)
(Source: Westpac.com.au. 2018)
The criteria of alteration of multiple data sets into a single stacked information (criteria
13) can be directly seen with Westpac simultaneously representing the information on CET1
capital in percentage and monetary value. This information relates to Alteration of multiple data

10ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
sets into a single stacked information. The main form of the implication of information can be
seen with integration of data into a stacked bar graph which is considered to useful in terms of
quantities applied to the individual groups. Therefore, the inference of information into a stacked
bar graph can be clearly defined in terms of company maintaining the relevant strength in the
balance sheet. Moreover, the multiple integration can be discerned with the use of bar graph for
percentage depiction of the information and use of line graph for the representation of percentage
information.
The use of criteria 14 can be directly inferred with the use of Combination of data set.
Moreover, it was also discussed that this particular trend has been depicted to be useful in terms
of the usage in case of line graphs. Similarly, Westpac has used this type of information for
representing capital in percentage and monetary value. Therefore, such a representation of the
information can be directly be seen to be represented in a combined manner. In order represent
the information in a better way the company used criteria 14 to show the percentage amount in
form of the use of bar graphs and total capital in billion in form of line graph.

11ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
Figure 5: Use of Bar graph and Line Graph for depicting information on balance
sheet strength (Criteria 14, 13)
(Source: Westpac.com.au. 2018)
The categorization of the information based on criteria 3 is clearly inferred with the use
of Information classification into multiple classes. In this case Westpac has used stacked bar
graph to represent such an information. The classification of information into multiple classes is
evident with breaking down the information such as Funding composition by residual maturity in
form of separate categories. The categorization of multiple classes of information is evident with
Wholesale Onshore less than 1yr, Wholesale Offshore less than 1yr, Wholesale Onshore more
than 1yr, Wholesale offshore more than1yr, securitization, equity and customer deposits. The
company has incorporated such a criterion for comparing this information over a timeline of 10
years.
Figure 63: Representation of funding composition by residual maturity (Criteria 3,
Criteria 12)

12ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION (Source: Westpac.com.au. 2018)
Westpac has used stacked bar graph to present the information on Net stable funding
ratio. This is directly relevant to criteria 15 which states the changes in the data based on
multiple fluctuations. Interestingly it can be inferred that instead of showing numerical changes
relating to this ratio, the company has shown the changes in form of the portion occupied by the
stacked bar graph. For instance, in case of available stable funding the capital occupies a smaller
share in the stacked bar graph in compared to Retail and SME deposit. Similarly, in case of
required stable funding the portion occupied by other loans is higher than liquid assets.
Figure 7: Depiction of liquidity Coverage Ratio and Net Stable funding Ratio
(Criteria 15)
(Source: Westpac.com.au. 2018)

13ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
Figure 8: Depiction of New term issuance by tenor (Criteria 15)
(Source: Westpac.com.au. 2018)
Figure 9: Depiction of New term issuance by type (Criteria 15)
(Source: Westpac.com.au. 2018)

14ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
Figure 10: Depiction of New term issuance by currency (Criteria 15)
(Source: Westpac.com.au. 2018)
The company has represented inflation information by using appropriate variables. This
is adhering to the criteria 8 which is related to Effective variables used. For instance, the
representation of information in this form of criteria in this case can be inferred with the use of
Avg RBA core CPI %qtr, (rhs), Headline CPI %yr (lhs) and Avg RBA core CPI %yr (lhs). The
company has also integrated several forms of variables into a single dataset. This can be inferred
with percentage of the yearly inflation and percentage of inflation in every quarter.

15ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
Figure 41: Representation of inflation with appropriate variables (Criteria 8)
(Source: Westpac.com.au. 2018)
In the figure below, it can be inferred how Westpac has shown positive trends of business
conditions over a time period of 12 years. This is adhering to criteria 10 Formalization of trends
overtime. This is mainly seen with the depiction of the various types of financial trend of
information can be evident with the use of a histogram or a line graph. In the given situation the
company has portrayed the information related to trend of Australian business conditions as per
Goods related, Business services and Consumer sectors. In addition to this, it has followed the
method of 3 month moving avg. deviation from avg. as the main technique for the trend analysis.
The trend analysis is also seen to be using the criteria of shades.

16ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
Figure 12: Representation positive trends over a time period of 12 years (criteria 10)
(Source: Westpac.com.au. 2018)

17ANALYZING THE VISUAL PRESENTATION OF WESTPAC BANKING
CORPORATION
References
Westpac.com.au. (2018) . [online] Available at:
https://www.2018annualreport.westpacgroup.com.au/downloads/2018-Sustainability-
Performance-Report.pdf [Accessed 5 Dec. 2018].
Westpac.com.au. (2018). [online] Available at:
https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/aw/ic/
ASX_2018_Full_Year_Profit_Announcement.pdf [Accessed 5 Dec. 2018].
Westpac.com.au. (2018). [online] Available at:
https://www.westpac.com.au/content/dam/public/wbc/documents/pdf/aw/ic/
1H18_WBC_presentation_and_IDP.pdf [Accessed 5 Dec. 2018].