Pros

Trusted name in the Aus and NZ markets .
In these times of economic uncertainty it helps to work with a market leader.
The Australian division caters for the bank's retail, commercial and wealth management customers in Australia.

The Retail businesses are responsible for delivering a range of banking products and services to retail customers, while Commercial services small to medium enterprises through to smaller corporates. The division also has a dedicated wealth management business designed to meet the needs of high net worth individuals. Specialised businesses Esanda and Agribusiness ensure the division is well placed to help customers enjoy more convenient banking while supporting local business to grow

Cons

Slow mover when it comes to new technologies

Advice to Senior Management

Encourage collaboration