Brooke Corte: I've missed one big thing in talking about why house prices are so unbelievably high and affordability is so terrible. Greedy banks. Just two words greedy banks. From this texter tonight and it's true, I mean, after the 22 per cent gain in property prices last year between FOMO and cheap debt, you'd think it would never have been a better time to be a bank, right? Well, funny you should say that, because it's not quite true if you are ANZ. If you go back to the national mortgage book, last year, it grew by $135 billion. Split that up, CBA picked up $40 billion of that, NAB, Westpac and Macquarie, they each added $20 billion to their mortgage book. ANZ's share shrank by $2 billion. Back last year, ANZ was taking 51 days to process a loan and if you flipped over to Macquarie Bank and looked at that as a comparison, it was seven days. Some of the fintechs were rubberstamping loans in a mere 10 minutes at the same time, and clearly this is completely unacceptable in big bank land and to be fair, ANZ has been quite open about its values last year, admitting it got it wrong on mortgages. Well, today actually interestingly, we've learnt more about how the bank thinks it's going to start getting things right. ANZ Plus was the big announcement from ANZ today, and truth be told, I don't really know what it means. It's kind of not a singular thing, it's a digital overhaul. Maile Carnegie is head of ANZ's retail bank. She's also led the bank's digital renaissance. I'm pleased to say she's with us on Money News this evening. Maile Carnegie, welcome to the show.