I switched to ANZ as my preferred big4 exposure based on its growth strategy and a belief that Smith should be able to deliver it. Hasn't been fantastic but has been ok and the story isn't over yet - the new guy is committed to seeing it through. The cr's are consistent with a drop/widening of the tram tracks for all banks but the trend should continue unless there is an Australian recession (then the banks get hit). In Mal and Glen we trust.
Ann: ANZ 2015 Full Year Result - Media Release, page-15
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