They're extremely profitable. Just because they have average management doesn't get past the high fully franked stable dividend.
If the banks crash it will be a symptom of a broader economic crisis.
Anyway I know you're short but don't let that cloud your judgement of the banks position in the economy. CBA may go lower but I think you're hopeful if you think this will break 5 year lows because management are duds. Remember stable growing profits.
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