Anthony Miller

So it's like I'm running three small regional banks from a cost of change and run.

And what we need to do is get everything done one way.

It's not about brands.

We think there's a strategy and it makes sense to have different brands based on different targets you want to go after.

How many brands and what they do, we'll continue to ask ourselves, have we got it right?

But most importantly, that's not the key challenge for us.

The key challenge is let's get everything done one way on one system and then thus we have one bank.

Oh, no, I think it's too easy for me to sit here and try to opine on decisions made in the past.

But what I would say is that choices were made in the past and now we make a choice in terms of how we set the company up for the future.

AI does have a role to play because there is certainly some capacity and capability that tool brings to our employees and how we're going after the various pieces of work or work packages that represent Unite.

So it does have a role to play.

But we also need to be realistic.

There is a lot of advocacy, a lot of hype as it relates to AI.

I think it's going to be a very significant, quite profound contributor to what the bank is and what it will be in the future.

But the most important thing for me and for the leadership team at the moment is to get Unite done, done safely and to the standard people expect.

And to the extent that AI can help, then it will.

But it's not the transformational unlock that I think sometimes people think it

Is that right?

Well, certainly I think...

AI will help our workers be more efficient and deliver more.