Prudential / Westpac Banking Corporation / Westpac Bank of Tonga / Westpac Europe Limited. / Total Capital / PILLAR 3 REPORT CAPITAL OVERVIEW Capital management / Lloyds Banking Group / Sovereign Bank Residential / Westpac B anking Co / REPORT INTRODUCTION Westpac Banking Corporation / Capital Finance Australia Limited / Westpac New Zealand Limited / International (Australia) Ltd. / The Westpac Group / Westpac Bank Samoa Limited / Level 3 Co / Level 1 Co / Level 2 Co / /