are you an old Westpac bank teller who got fired or something...

are you an old Westpac bank teller who got fired or something haha if you comment so much on a stock you never intend to be involved with.

If your thesis is, no company can ever turn around, then, idk what to say. They've comprehensively cleaned out leadership over that timeframe (see 2019). All the steps they've made in 2020 have been in the right direction, and it's showing in their profits. This profit was better than 2019 1H infact, and it will only get better, they've sold their non core island banking to Kina, they're reducing costs heavily and moving away from non core areas. This will free up capital for more fintech exposure in the future.