new records in RL $100m 16% up on last year
PLs up 10% in first qtr, 14% up from last year
GI increase by 10% up 23% a record $1.5 set in August What month?
Still some work to do in MRP
Deposits 104% stronger than last year milestone record of $73m in July driven by bonus saver bonanza and transaction account boom. term deposits not performing due to low rates.

FP - Risk ahead of budget, FUA ahead of budget, ahead in on-going revenue
BB - Struggling

David Lewis really depicted a reality in that our RB word is fast paced.

Literally it feels that we have only 30 seconds to review and celebrate the current months results before we need to start working on the month ahead.

This is what success looks like in our new environment and we need to understand this to be successful

Focus for leaders to have all annual compliance completed by the 15th Nov

Workflow due immediately preceding so leaders need to progress and complete to avoid a cross over of training

lending applications will be loaded via onyx.
Demonstration was provided and you will be happy with the outcome.
Michelle Green and her team will be presenting to our team at our next BM teleconference.
Leaders to communicate this to all Lenders.
There will be a workbook requiring a Tuesday session for completion. Then will be the ability to practice in the onyx training environment.
Anticipated training time is 1 hour for workbook, and same for onyx practise session
Go live is the 9th Dec but any lender that has completed the training and has signed off the electronic sign off prior to 25th Nov can go live immediately.

New PL campaign approved and launching 1st Nov.
Action Plans Required by all Leaders ad planning to commence today.......
We need to be leveraging from this campaign with the view that it will deliver our target expectations right through Q2 and beyond.
Your action plans will highlight your activity
Review. Review, review
Interventions where needed.

Action - Kerry will send through Sales Plan must be delivered to our BM meeting the following Monday but ready to go for the Friday below for go live

I have requested the Southern Country Folder to be updated and all BMs to have access.

Once you deliver the plans to your RM and peers you will be asked to save this in a file that I will create as 6.64 File so that others can share actions and ideas.

TRANSACTION ACCOUNT

New acc soft launch Dec, major March, digital on-line and branch, No few if $2k or HL, no paper statements must register for E statements, all accounts will become E statements, called ZIP account, portrait shape, 2 colours, brown and red, choice of colour, will have spend tracker on where they have spent their money. There will be a reward cash back but not ready for launch but they must have the ZIP card but if they keep their current visa they will not be eligible.
It will be a lot easier for staff to understand the structure compared to the current process of fee structure.

Reiterate that BMs have the responsibility to do the right thing and we just need to be diligent and observe and take a closer look to view things that just do not look right. Widen your view involve others if you need to.

There was training to position this strategy and a workbook/on-line pre work to skill our people.

We trained 690 people.

Best users for our Region

Vicki Wyatt - 6
Faye Wilson - 5

Minimal with 1 and the rest with none

Immediate action to revisit In sync with your teams and keep this as a focus within your meetings and branch actions

This requires an organisational focus.
Revisit workbook
Highlight benefits and opportunities
build in ME skills

MAJOR DISCUSSION WITH ALL STAFF IS THAT ONYX IS OUR TOOL FOR CONTINUOS CONVERSATIONS AND NOT JUST WORKFLOW

EVERY REQUEST MUST BE LISTED IN ONYX
PAYOUT FIGURE
STATEMENT
CARD..........EVERYTHING

Match the language and use this in both coaching and training

Action is t report any notified payroll issue not yet auctioned to Kerry

looking for an advocate to host these weekly sessions

Focus is to support all locations networking with our entire region

SME presenters

Agenda of discussion items TBA what are some of the things you would like to see

We will have the managers guide paced here

Guide for relief staff

We will be required to obtain ID which must remain on file.

there will be a registration form that will be completed by staff member which will accompany mtg documents for registration

If unable to present to a branch they will present to Australia Post to have ID Verified and they complete the required ID Registration form and forward to the FI

PL volume downtrend is attributed to ADS rule change of increasing the approval limit from $40k to $50k

Escalations remain steady and reasons are various, relationship, change loan structure, other information and mitigates, employment status accepted, overrun ADS

QBE have agreed to the acceptance of valuations containing 3 or more 3's can be undertaken by our Credit Assesors. this will avoid double handling. This will be written into the DLA POL 7.1.4

Credit Policies are under review we have Julie Lehmann supporting the review panel.

We have approx 140 - 170 manually declined PL loans per month. BMs need to be across every decline