Ann: Annual Report FY21, page-25

For those who is complaining about lack of strategy - new strategy will be provided on 27 October 2021.
For those who is complaining about lack of capital management - yes they ruled out sbb for now but stated that “The current capital planning process is considering how to maximise the value of the Company’s strong capital position in line with its growth strategy. This includes further investment to strengthen the business as well as potentialacquisitionstocomplementexistingoperations.” It’s not like they have been good at capital management so far but with new management team and new strategy we might see some improvements in that area some what soon.

As for the report I’d say yes, it's not really inspiring but also is much about nothing.