This does not mean an unemployment rate of zero. There will always be frictions in the labour market that mean it takes time to find a suitable job, including because the skills required do not match the candidates available or there are structural impediments to employment. These issues are best addressed by government policies.
Many more meaningful changes in the banking industry can be expected this year and in the coming years as we further move to fully adopt international best practices. For instance, you will be seeing more binding standards on connected party transactions come into force after a 2-year transition period.