http://www.westpac.com.au/about-westpac/sustainability-and-community/sustainability-action/ http://www.westpac.com.au/about-westpac/sustainability-and-community/sustainability-action/ http://www.asic.gov.au/about-asic/media-centre/find-a-media-release/2015-releases/15-149mr-bt-pays-20-400-penalty-for-misleading-statements/ http://www.asic.gov.au/about-asic/media-centre/find-a-media-release/2015-releases/15-149mr-bt-pays-20-400-penalty-for-misleading-statements/ http://www.unpri.org/viewer/?file=wp-content/uploads/Merged_Public_Transparency_Report_BT-Financial-Group_2014.pdf http://www.unpri.org/viewer/?file=wp-content/uploads/Merged_Public_Transparency_Report_BT-Financial-Group_2014.pdf DISCLOSURES ON MANAGEMENT APPROACH An overview of the process used to determine our material issues and aspects together with the underlying reasons why they have been deemed material is set out in the Issues that Matter on pages 54-57.