at the wealth advice unit.oking for more clarity and break down about how that is going to work. as always, how is a business of everyday banking going? cba makes most money from retail banking. we will be looking at the net interest margin, how profitable is the day-to-day business? haidi: are these themes likely to be relevant for all lenders? as we continue to look at the light of the end of the tunnel, or meaningful change should we expect? thehis will be relevant to other banks. cba is australia's biggest bank. some of the trends are more pronounced when we talk about cba. that same themes are coming through. all banks are under pressure and stealing it -- dealing with it in different ways. doublingalian bank is down on lending operations. other banks are looking for other areas to grow. growth will be a lot harder to come by. reports are inim september and we will get more recommendations. we will end up with australian banking systems that are not as profitable as they have been. no one is suggesting the

unit compensated for a little trading weakness. ourore than 60% comes from -- and that is the heart of the strategy. institutional advice and services. joint manager -- joint venture between wealthanagement -- 25% in the second and accelerating. that is good in these results. >> barclays reporting better than estimated second-quarter results. the ceo telling bloomberg his turnaround strategy is paying off. >> one of the best quarters we have had in years to generate a 12.3% return on tangible equities is a great result. over 1.4 billion pounds of after-tax earnings. board, barclays' u.k. consumer business did quite well. the corporate and investment banking well, particularly the markets business. socgen's investment bank showing signs of emerging from ,he doldrums better-than-expected second-quarter earnings, income from financing deals and trading topped estimates. >> there are risks and that is why we might not be that far from the and of the cycle in the u.s. and that is why we remain conservative in our risk-taking and it is reflected across our risk, which is low across the board. bnp paribas reported second-quarter profit, beating estimates. revenue falling 17%. are you d