Westpac Chief Executive Gail Kelly (R) talks to a bank customer during a photo opportunity before the bank's full-year results news conference in Sydney November 4, 2009. Westpac Banking Corp, Australia's third-biggest lender, forecast a fall in bad debts next year, marking the local banking industry's most confident outlook to date, even as it reported a fall in profits. Reuters Pictures logo Reuters Pictures 27 months ago

Westpac Chief Executive Gail Kelly (R) talks to a bank customer during a photo opportunity before the bank's full-year results news conference in Sydney November 4, 2009. Westpac Banking Corp, Australia's third-biggest lender, forecast a fall in bad debts next year, marking the local banking industry's most confident outlook to date, even as it reported a fall in profits.

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