I'm a very consistent leader, and people won't find me different day to day. You won't have to have the sort of conversation that says, 'How is she today? Is this a good day to have this conversation?' You won't find that situation with me. I treat people with respect.

Living in South Africa has had a very profound impact on my career.

When I got to be a CEO, I said: 'Right. I'm now going to tackle gender inequality head-on. I'm going to make a difference and lead by example and actively put in place policies and practices to support women.'

42% of our management team are women. So we've reset the goal to 50% by 2017. Because that's when Westpac becomes 200 years old as an institution - the oldest bank, and indeed the oldest company in Australia. So that's a lovely point to reflect on.