Brian Hartzer

Alan Kohler: So, Brian, it seems to me you’ve got three things to worry about. You’ve got rising loan impairments, we have seen, falling margins, and disruption from fin tech. Which of those three, or perhaps none of the above, are keeping you awake at night? Brian Hartzer: In the short term, the economic environment around interest rates and general growth in the economy is probably the most significant concern for the profitability of banks. As interest rates get lower and lower towards zero it puts real pressure onto profit margins, and so is a short term head wind, if

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