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Cash earnings came in at A$5.28 billion ($3.38 billion) for year ended September, compared with A$5.35 billion a year earlier and a Morgan Stanley (NYSE:MS) estimate of A$5.23 billion.
Westpac declared a final dividend of 64 Australian cents per share, compared with Australian 60 cents last year.
($1 = 1.5610 Australian dollars)
