While I do not want to tar all with the same brush, in too many banks today, I see an overly legalistic approach, that focuses too much on whether something is legal or not and not sufficiently on the outcomes – either for the long-term safety and soundness of the bank or the interests of the customer.
We can hope to assist it, and the Reserve Bank is doing that, and will continue to lend what support it can, within the limits of its powers and consistent with its mandate. The decline in the exchange rate is assisting the transition (as it assisted in absorbing the earlier phase of the mining boom).