In another life I have dealings with commercial finance. Take it from first hand that the guys in 'big loans' at CBA who happily boasted to me about having a meeting that afternoon with the great BGA have no concept of business - let alone how insane the policies they backed were. I was meant to be impressed with their cheap boastful talk. They are incompetent, uneducated and as good at running a sound business as Wayne Swan was at balancing a budget.
I left that meeting in absolute disgust knowing the morons behind AJ were more stupid than I would have previously thought possible. I mention CBA deliberately.