Mr. Jeremy Masding:

There is probably a general answer to that question. When we all got together in 2012, it would be fair to say that the bank had real issues and needed fixing. I refer to operational fixes, strategic fixes and finance fixes. It is a turnaround story. If the Deputy's definition of "mismanagement" is having areas which need fixing, then I suppose one could use that. We were asked to fix an institution which the vast majority of commentators felt was a zombie bank and had no chance of surviving. The bank had serious issues, which we have tried to fix.