Westpac Bank

REQUIRED (500 words):
Prepare a report for a potential investor addressing the questions stated below in relation to the company(the annual report of 2012 is attached). 
Requirement: 
a) Has this company reported any event that occurred after the reporting date? Describe the events and whether they are adjusting or non-adjusting events.
b) Were there any changes in accounting policies disclosed in the annual report? If yes, describe those changes. How have the changes being dealt with?
c) Identify and describe any contingent liabilities and/or contingent assets referring to the relevant accounting standard.