Westpac Banking 20F 2021 Annual report | WEBNF Filing

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	7th grade Bad

New words: Allianz, Arch, Ausgrid, bilateral, bilaterally, BLRCC, cater, CET, Concise, Configuration, configuring, customary, deregistered, dissipated, fallback, Fidelity, FLP, inline, JPY, Kina, Label, leg, milestone, NaN, negated, novated, OCR, privatisation, RAS, recognized, reinstatement, Schema, SGD, smooth, SOR, SRMF, superseded, suppressing, synthetic, TAL, temporarily, TLF, unallocated, uninsured, unutilised, usage, vehicle, WLMI, worst, writedown

Removed: abide, ABN, Aboriginal, absence, abuse, accelerated, acceptance, accepting, accessed, accessibility, accessible, accountable, accreditation, accredited, accruing, accurate, achievement, achieving, ACN, acted, activism, acute, addressed, adjust, administer, administrative, admitted, ADS, advancing, advantage, advisor, advocate, affecting, age, agile, AGM, agriculture, aim, aimed, Alison, allocate, allocating, alongside, AMA, American, amortisation, AMP, analysed, analyst, Anita, annualised, annum, answer, antecedent, anticipated, anticipating, ANZ, apparent, appeal, applicability, appoint, appointed, appointing, apportioned, appraising, arbitration, architecture, archived, area, arrange, ARSN, ASAE, Ashurst, assessable, assistant, assisting, asx, ASXCGC, asymmetrical, atmosphere, attach, attaching, attempt, attend, attendance, attended, attending, attention, attestation, attracting, attributed, attrition, Auckland, auditing, Austraclear, authenticated, authorise, averaging, Avoidance, awarded, BAC, Bachelor, backdrop, background, backing, backup, Bag, balanced, Balkan, Ballet, banker, bear, BEc, begin, belief, benchmarking, beneficial, beneficially, BHP, billed, billing, Blackout, BlackRock, Blake, blank, blockchain, BNY, boardroom, body, borrow, boundary, Boyd, breached, Brian, bribery, Bright, bring, Britomart, budget, build, building, bundled, buyer, buying, cable, Caesar, calibrate, candidate, cap, care, career, carefully, caring, Carter, cascaded, cascading, cast, casual, Catriona, CBD, centre, centred, Certificate, certified, chain, Chair, chaired, chairing, Chairman, Chalk, challenge, channel, charity, charter, Chartered, check, children, China, Chinese, chosen, chronic, circumstance, Citibank, citizen, claimed, clarifying, clause, clawback, clear, climatic, close, closer, coal, Cobley, Cochlear, coin, collectability, collected, Columbia, commencement, commensurate, Commissioner, commissioning, committing, communicate, community, compact, compatible, compel, compensate, compete, competently, competitive, competitor, complaint, complement, complementary, complicated, complicit, composite, compression, compromise, Comptroller, concept, condition, conduit, confer, confident, confidential, confidentiality, confidentially, confirm, confirming, conflict, consecutive, consolidate, constantly, constrained, constructively, construed, consult, consultant, consultation, consultative, consulting, consumption, contact, contacted, content, context, continuation, contracted, contravened, contravention, contributor, convene, convenience, Cooperation, copy, correcting, correctly, Corrupt, corruption, costly, council, counsel, counted, coupled, CPS, Craig, creating, crediting, CRO, Crouch, crucial, CSIRO, cultural, cyber, cyberattack, cybersecurity, cyclical, damage, damaged, Darlinghurst, Davidson, Dawson, deal, decade, deceased, decide, decided, declare, declaring, declined, declining, dedicated, deductibility, deductible, deducting, deduction, deem, deep, deeper, defence, defend, defer, deficiency, deficit, delay, delegate, deliver, delivered, delivering, delivery, Deloitte, democracy, Democratic, demonstrating, Department, departure, depositary, deposited, depositing, Depository, depreciation, Deputy, deriving, descriptive, designing, desirable, destabilise, destruction, detecting, Deutsche, develop, developed, deviation, DFAT, diagram, dialogue, difficult, digital, digitisation, digitising, dignity, diligence, Diploma, directed, direction, directorship, disability, disabled, disablement, disadvantage, disaster, discharge, disciplinary, discipline, disciplined, disclose, discrimination, dishonestly, dishonesty, displayed, dispose, disposing, disqualify, disrupt, disruption, distributable, distributing, District, diverse, diversified, diversity, divest, divestment, divided, divisional, donated, double, doubt, Dow, downgrade, downturn, draft, drought, Dunn, duty, earthquake, ease, easier, eastern, easy, eBay, eCorp, edition, education, educational, effected, efficiency, efficient, electronic, electronically, eligibility, email, embedding, emerged, emergence, emitted, empowerment, encompassing, encourage, encouraged, enduring, enforce, enforceability, enforcement, enhanced, enhancing, ensuring, enterprise, entertainment, entitled, entitlement, entry, envelope, equality, Equator, Equifax, equivalency, eroded, establish, establishment, estate, ethical, ethically, ethnicity, evaluate, Evasion, evidenced, evidencing, evolve, Ewen, exacerbated, examination, examine, exceeded, exceeding, excellence, executed, executing, execution, exempted, exemption, exercisable, exercise, exercising, exhaustive, exited, exiting, expand, expanded, expanding, expansion, expenditure, expensive, explain, explanation, externally, extra, facilitate, facilitation, facsimile, fact, fail, failing, failure, Fairfax, familiarise, family, FBT, federally, feedback, feeding, Fellow, fewer, fiduciary, fierce, fifteen, figure, fill, finalised, Finally, fintech, fire, fiscal, fit, fix, flat, flexibility, flexible, flood, FMA, focused, focusing, foot, footprint, forbidden, forbidding, force, forced, foregoing, foregone, forfeited, forfeiture, forgone, formalised, format, forum, fostering, foundation, founded, fourth, franchise, fraudulent, fraudulently, fringe, FSC, FTE, functionality, functioning, Fung, furnish, Gary, gas, gave, Gazette, gender, geopolitical, GHG, Gilbert, Goldman, Golf, governed, governmental, GradDipAppFin, graduate, grandfathered, great, greatest, greenhouse, Grenfell, grew, GRI, grossed, grossing, grow, growing, guaranteed, guarantor, guided, guiding, handed, handle, handling, harm, Hartin, Hartzer, Harvey, hazard, headcount, headed, health, heard, heavily, Henderson, Herbert, heritage, highlighted, history, Holt, honestly, honesty, hospitality, hotline, house, household, HR, HSBC, hub, human, hurdle, hurdled, hybrid, IAP, IBA, IBM, identical, identifier, identity, IIAA, immaterial, impartiality, implement, importance, impose, imposing, improving, imputed, inability, incentive, incidence, incomplete, incorrect, incur, incurring, indemnification, indemnify, indexation, indicted, induction, inflationary, informal, informed, initiative, innovation, innovative, inquiry, INSEAD, inside, insight, instability, Institute, instrumental, insure, insuring, integrate, Intel, intended, intense, intensity, intent, intentionally, interested, interfere, intermediary, internationally, internet, interpret, intervened, intervention, intraday, intranet, introduction, invest, investigate, investigatory, investing, invisible, invite, invited, Iran, IRB, IRS, Islander, IXUP, Jackson, Japanese, jeopardise, job, John, joined, joining, jointly, judicial, Justice, justified, Kent, King, Kingdom, knowingly, Kogarah, Koorie, Korea, KPMG, laid, landscape, lapse, lapsed, lapsing, larger, largest, launch, launched, launching, lawyer, leader, learning, leased, Ledger, left, legitimate, lend, lessee, lesser, lessor, leveraging, Libya, Licenced, licensee, licensing, lieu, lifestyle, lift, lifted, lifting, Lim, limitation, limiting, Lindberg, Lindsay, listen, literacy, litigate, living, LLB, LLC, located, Locked, lodge, logging, Lona, London, longest, lose, lost, loved, lowering, LTIFR, LVR, Lyn, Lyng, Macquarie, mail, manufacture, manufacturing, mark, marketing, marketplace, Marriott, Marwick, materiality, mature, Maxsted, McKinsey, McLean, meaningful, measurable, Mei, Melbourne, Mellon, member, mental, merger, metro, migrated, migration, Milosevic, mind, mining, Ministry, Mirvac, missile, Mission, mitigating, mix, mobile, modern, modifier, module, Morgan, moved, moving, multiplied, multiplying, Museum, narrower, Nash, nation, national, nationalise, natural, NatWest, navigate, negatively, negotiable, Nerida, neutral, Northill, notification, notified, notify, NPS, nuclear, NYSE, NZCC, NZX, Oath, objectivity, obligated, observer, Occupancy, occupation, occupied, occupy, OFAC, offence, omitted, onsite, open, operated, opt, optimisation, optimising, organisation, organisational, organised, orientation, originate, outsourcing, overdue, oversee, overseeing, overtime, overvalued, owner, pace, pack, panel, Panorama, paragraph, paramount, parcel, parental, parking, parliament, participant, participated, participating, partner, partnership, passing, passive, PATRIOT, paying, Peat, Pendal, periodic, permanent, perspective, Peter, PFIC, phase, phone, piece, Pillar, platform, play, plc, poor, positively, Postal, practicable, practical, precedent, preceding, Precinct, predecessor, predicated, predict, preference, preferential, preferring, prejudice, presenting, preserve, President, pressure, preventing, print, prioritise, privately, proactive, proactively, probate, problem, procedural, proceed, procurement, production, productivity, profitability, programme, progressing, prohibit, prohibited, prohibition, promote, promoted, promoter, promoting, pronounced, propensity, proper, properly, proprietary, propriety, prosperity, protect, protecting, protectionist, protest, prove, provisioning, prudent, publication, publish, publishing, purport, pursuit, putting, Qadhafi, qualified, quarter, quickly, quorum, ranging, ranking, rapid, rationale, reach, reached, reader, realigning, realisation, Rebecca, receipt, receivership, recently, reclassify, recommending, recruit, recruitment, rectified, redesign, refinance, refund, regime, regional, Registrar, registration, registry, regulate, reimburse, reimbursed, reimbursement, reinsurance, reinvested, release, relevance, relinquish, relocation, rely, relying, remedial, remediate, remediating, remedy, remove, rendered, renew, renewable, renewal, rental, repeat, representing, Republic, reputational, requested, requiring, requisition, research, reserved, reside, resident, resilience, resilient, resisting, resolving, responding, responsibly, restatement, Restaurant, restraint, restrict, retaining, retaliation, retire, retired, retiring, retroactive, returned, reversed, revise, revolution, robust, role, rolling, rotate, rotation, row, royal, Ruby, rural, sacrificed, salient, sanction, saving, schedule, scholarship, Science, scorecard, Scotland, scrutiny, sea, seal, seat, secretariat, secretary, select, selecting, seniority, sensitive, Sequence, serve, Server, servicing, serving, sexual, shape, shaping, shared, shareholding, shell, shift, shopping, shorter, signatory, simple, simpler, simplification, simplify, simplifying, Singapore, sinking, sit, site, Skadden, skilled, slavery, slowdown, slower, Smith, society, softening, solicit, solicitor, solid, sophistication, sound, sourcing, Southern, sovereignty, SOx, space, spanning, speaking, speculator, spending, spent, split, square, stakeholder, stand, standing, Stanley, starter, stationery, statute, Steel, stem, stimulate, Stone, storage, storm, straddle, Strait, strictly, strive, stronger, study, STVR, submission, submitted, submitting, subrogation, subscribe, subsection, substantial, substantive, substituting, successful, successfully, succession, suffer, suffered, sufficiently, suitability, suitable, superior, supervise, supervising, supervisory, supplier, supporter, surrendered, surrendering, surveillance, survey, suspected, suspension, sustainable, switch, switching, symbol, syndicate, Syria, Syrian, systematic, systemic, tackle, tailored, Takutai, talent, targeted, targeting, task, Taskforce, taxed, TCE, TCFD, team, Technical, telephone, telex, Telstra, tenure, termed, terminating, territorial, terrorism, thereof, thermal, thing, threat, Thursby, Tim, Tobin, Tohmatsu, tolerate, toll, top, touch, Touche, trace, trade, trader, traditional, trafficking, training, transactional, Transferable, transformation, transmission, transparency, transparent, Transurban, Treasurer, treaty, trend, tribunal, twelve, twenty, Ukraine, unaudited, unauthorised, unaware, unbundled, uncalled, unclaimed, unclear, undated, underlie, undermine, underpin, underpinned, underpinning, understand, undertook, underwritten, unencumbered, unethical, unexercised, unfettered, unfranked, unique, University, unlawful, unpredictable, unreasonable, unreasonably, unrest, unrestricted, UNSC, untested, upgraded, USA, utilised, vacancy, validity, Vanguard, varied, Veda, venture, verify, verifying, version, vicariously, Vice, violence, virtue, Visa, visible, vision, void, voluntary, volunteering, voted, vulnerability, vulnerable, VWAP, waive, waived, Waldron, war, warming, water, WBCPE, WBCPF, WBCPG, WBCPH, WBK, webcast, website, wellbeing, Wellington, whichever, whistleblower, whistleblowing, WHS, withdraw, withdrawal, Withdrawing, withdrawn, withheld, withholding, women, Wood, worked, workforce, workspace, world, worse, wound, wrongdoing, York, young, Yuen, Zimbabwe, zone

Westpac Banking (WEBNF) 20-F2021 FY Annual report (foreign)

Content analysis