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  1. #10001
    percy
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    Quote Originally Posted by winner69 View Post
    Agreeing with something I didn't say again percy

    Increasing the percentage of women will force the replacement of mediocre men ....you know which ones, the ones who are allowed to hang around for far too long.



    a sort of reverse meritocracy
    The actual staff "numbers" at Heartland Bank have not increased a great deal since it was formed.
    However the skill set has.

  2. #10002
    Speedy Az winner69's Avatar
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    Quote Originally Posted by percy View Post
    The actual staff "numbers" at Heartland Bank have not increased a great deal since it was formed.
    However the skill set has.
    Probably the skill set has improved ........coinciding with a greater emphasis and commitment to diversity (ethnicity and gender). Good eh

    Percy, talking of skills what you make of my observation of the Board skills and the apparent relative ‘weakness’ in the areas that are strategically important.
    When investors are euphoric, they are incapable of recognizing euphoria itself.

  3. #10003
    Speedy Az winner69's Avatar
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    Quote Originally Posted by percy View Post
    I am sure Jeff will double it next election, just to get another bite from you.!!
    He must enjoy your comments as much as I do..!!! ..lol.

    ps.The food and drinks will be up to their usual high standard.
    pps.Attendees should "well position" themselves between the bar and the kitchen door.
    Jeff probably doesn’t read my comments on ST but if he did I’m sure he would enjoy them and take them on board and become more enlightened. I would hazard a guess that he would have you on his ignore list.

    But his team seem to take feedback from share holders on board. Diversity is one that seems to have filtered through the network. Isn’t it pleasing to see the Chairman taking such an interest in it. Diversity must be important ....even setting measurable targets.

    Expect to see Heartland winning some workplace awards - even one of those Women Employer of the Year ones.

    All leads to ‘diversity of thought’ .....making Heartland a better business
    When investors are euphoric, they are incapable of recognizing euphoria itself.

  4. #10004
    percy
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    Quote Originally Posted by winner69 View Post
    Probably the skill set has improved ........coinciding with a greater emphasis and commitment to diversity (ethnicity and gender). Good eh

    Percy, talking of skills what you make of my observation of the Board skills and the apparent relative ‘weakness’ in the areas that are strategically important.
    Not sure.
    I am hopeless with paper work taking up SPP's in Aussie.To be frank, I wouldn't know where to start.I just send the email/paperwork to the "office" staff at Craigs who always do it perfectly.Does that make them better investors than me? No, just better office people.
    So back to HBL board.Huge amount of experience.Huge amount of their own personnel wealth on the line. Fantastic record of employing the right skilled people.
    As a shareholder I could not ask for a better board or management team.Always done what they said they would do.
    Last edited by percy; 18-11-2017 at 01:54 PM.

  5. #10005
    percy
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    Quote Originally Posted by winner69 View Post
    Jeff probably doesn’t read my comments on ST but if he did I’m sure he would enjoy them and take them on board and become more enlightened. I would hazard a guess that he would have you on his ignore list.

    But his team seem to take feedback from share holders on board. Diversity is one that seems to have filtered through the network. Isn’t it pleasing to see the Chairman taking such an interest in it. Diversity must be important ....even setting measurable targets.

    Expect to see Heartland winning some workplace awards - even one of those Women Employer of the Year ones.

    All leads to ‘diversity of thought’ .....making Heartland a better business
    I think you are right and I am on Jeff's ignore list.
    Had to leave a message on his phone this time, when I rang to thank him for the rights issue, rather than a placement and SPP...lol.

  6. #10006
    On the doghouse
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    Quote Originally Posted by percy View Post
    At last count I saw ANZ had over $11billion in dairying.
    Other big lenders were CBA and BNZ.Not sure about NAB.
    So as a % ANZ still leads the field.
    KPMG may help you to get your research right.
    Rather than try and just compare HBL with ANZ,do the job properly. A half baked effort again.
    Percy, if you are talking ANZ.NZ then I have no argument with your figures. In gross terms you are right. In percentage terms you are wrong. Talking dairy to total loans for ANZ.NZ.

    $11b /$186b = 5.8%

    This is way less than Heartland dairy loan proportion at 10%. I have already checked ANZ against the other Aussie big banks as regards rural lending and they are ahead in both gross in percentage terms.

    SNOOPY
    Industry shorthand sees BNZ employees still called 'bankers' but ANZ employees now called 'anchors'. Westpac has opted out of banking industry shorthand...

  7. #10007
    percy
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    Snoopy.
    Google ,,.kpmg fips...........................financial institution performanc survey.
    June 2017 quarterly results.
    Compares ANZ,BNZ,CBA,HBL,Kiwi Bank,SBS,Co-Op,TSB and Westpac.


    ps Would some kind poster please post the link.
    Last edited by percy; 20-11-2017 at 07:05 AM.

  8. #10008
    Legend minimoke's Avatar
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  9. #10009
    Speedy Az winner69's Avatar
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    To save finding that link

    https://assets.kpmg.com/content/dam/...-June-2017.PDF

    Doesn’t say who has greater dairy exposure
    Last edited by winner69; 20-11-2017 at 07:21 AM.
    When investors are euphoric, they are incapable of recognizing euphoria itself.

  10. #10010
    percy
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    Quote Originally Posted by winner69 View Post
    To save finding that link

    https://assets.kpmg.com/content/dam/...-June-2017.PDF

    Doesn’t say who has greater dairy exposure
    Why.?
    Maybe because they don't see it as an issue.?
    Interestingly enough, PGW with a dairy exposure of between 22% and 25% don't see it as an issue either.
    When I last spoke to Jeff Greenslade and Chris Flood, they didn't see it as an issue.
    Pretty sure The Reserve Bank of NZ does not see it as an issue.
    I certainly don't.Never have.

    ps W69 and minimoke.Thanks for posting the links.
    Last edited by percy; 20-11-2017 at 03:05 PM.

  11. #10011
    Speedy Az winner69's Avatar
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    OMG - the CEO did a rave about improving diversity.

    Did I hear him say ‘more progress ’ is required to get more females in the Exec team

    Good on him
    When investors are euphoric, they are incapable of recognizing euphoria itself.

  12. #10012
    percy
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    Quote Originally Posted by winner69 View Post
    OMG - the CEO did a rave about improving diversity.

    Did I hear him say ‘more progress ’ is required to get more females in the Exec team

    Good on him
    If he says it will happen,it will.

  13. #10013
    Legend minimoke's Avatar
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    Quote Originally Posted by winner69 View Post
    OMG - the CEO did a rave about improving diversity.

    Did I hear him say ‘more progress ’ is required to get more females in the Exec team

    Good on him
    No. It is a backward step and should be ringing alarm bells. The only progress required is the hiring of competent people regardless of sex, race religious beliefs LGBTQIAYHYZ (lets just keep chucking letters onto it) status or whatever is lacking in "diversity"

    The big risk when talking like this is hiring (women) beyond their level of ability - that is, promoting to highest level of incompetence.

    Much more talk of "diversity" will see me selling HBL, probably at a loss. This talk distracts from their main responsibility which is making me (and you) money.

  14. #10014
    Speedy Az winner69's Avatar
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    Quote Originally Posted by minimoke View Post
    No. It is a backward step and should be ringing alarm bells. The only progress required is the hiring of competent people regardless of sex, race religious beliefs LGBTQIAYHYZ (lets just keep chucking letters onto it) status or whatever is lacking in "diversity"

    The big risk when talking like this is hiring (women) beyond their level of ability - that is, promoting to highest level of incompetence.

    Much more talk of "diversity" will see me selling HBL, probably at a loss. This talk distracts from their main responsibility which is making me (and you) money.
    ......but will ensure they will be getting rid of some mediocre men
    When investors are euphoric, they are incapable of recognizing euphoria itself.

  15. #10015
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    Last edited by Beagle; 21-11-2017 at 02:31 PM.

  16. #10016
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    Quote Originally Posted by winner69 View Post
    ......but will ensure they will be getting rid of some mediocre men
    Excellent - providing they are getting rid of all mediocre people. WHich may not do their "diversity" balance any good.

  17. #10017
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    Quote Originally Posted by minimoke View Post
    No. It is a backward step and should be ringing alarm bells. The only progress required is the hiring of competent people regardless of sex, race religious beliefs LGBTQIAYHYZ (lets just keep chucking letters onto it) status or whatever is lacking in "diversity"

    The big risk when talking like this is hiring (women) beyond their level of ability - that is, promoting to highest level of incompetence.

    Much more talk of "diversity" will see me selling HBL, probably at a loss. This talk distracts from their main responsibility which is making me (and you) money.
    Diversity is the new buzzword at the mo, no doubt about it. I agree that the only progress required is the hiring of competent people regardless of blah blah blah. However it is reasonably well recognised that unconscious bias may play a part in hiring and preventing people in achieving their true potential.

    In your statement re the big risk, I hope what you actually meant to say here is "anyone" rather than "women". We've only got to look around us to see a bunch of old white men in suits doing substandard jobs in some cases. And lets get real, women are being successful in business as well as running a family. Just how often does dad take time off work to stay home and care for the kids when they are sick.

    You are clearly not a millenial (neither am I by the way).... they seem to care about this stuff a lot more and I think it is a good thing HBL is looking at diversity. A diverse, happy, talented group of people working together to make me money, that's what I want.

    consider this for a mo:
    ‘A father and son are in a car crash that kills the dad. The son is rushed to hospital; just as he’s about to go under the knife, the surgeon says, “I can’t operate – that boy is my son!”’ Who is the surgeon?

  18. #10018
    percy
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    's
    Quote Originally Posted by suse View Post
    Diversity is the new buzzword at the mo, no doubt about it. I agree that the only progress required is the hiring of competent people regardless of blah blah blah. However it is reasonably well recognised that unconscious bias may play a part in hiring and preventing people in achieving their true potential.

    In your statement re the big risk, I hope what you actually meant to say here is "anyone" rather than "women". We've only got to look around us to see a bunch of old white men in suits doing substandard jobs in some cases. And lets get real, women are being successful in business as well as running a family. Just how often does dad take time off work to stay home and care for the kids when they are sick.

    You are clearly not a millenial (neither am I by the way).... they seem to care about this stuff a lot more and I think it is a good thing HBL is looking at diversity. A diverse, happy, talented group of people working together to make me money, that's what I want.

    consider this for a mo:
    ‘A father and son are in a car crash that kills the dad. The son is rushed to hospital; just as he’s about to go under the knife, the surgeon says, “I can’t operate – that boy is my son!”’ Who is the surgeon?
    The boy's father.

  19. #10019
    Herbacious
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    Quote Originally Posted by percy View Post
    's

    The boy's father.
    Duh, it's the boys Mother!

  20. #10020
    percy
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    Just read the agm speeches and presentation.
    Simple,and spoken in clear language.
    HBL know where they are going,and know how they are going to get there.

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