WEBVTT - Matt Comyn: the extended interview

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<v Speaker 1>The Australian Financial Review.

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<v Speaker 2>Hello, and welcome to fifteen Minutes with the Boss. We've

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<v Speaker 2>had such a great response to the episodes with Matt

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<v Speaker 2>Common and Janine Allis that we've decided to play the

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<v Speaker 2>extended version of both these episodes. This week, we're going

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<v Speaker 2>to hear from Matt Common, the chief executive of Conwealth Bank.

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<v Speaker 2>There were so many great takeaways that just didn't make

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<v Speaker 2>the cut, so we hope you really like hearing a

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<v Speaker 2>lot more of what Matt Common had to say. Please enjoy.

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<v Speaker 3>Sometimes when you don't feel like it, it's also a

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<v Speaker 3>really good sort of challenge. Again, I find it quite

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<v Speaker 3>interesting when you're having a bad day, things have come

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<v Speaker 3>off track, you don't feel as well prepared and sort

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<v Speaker 3>of trying to embrace that to see, well, let's see

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<v Speaker 3>what I've got.

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<v Speaker 4>Yeah, that's fun.

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<v Speaker 3>But when I started absolutely not like everyone and I

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<v Speaker 3>was nervous, I was worried.

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<v Speaker 1>Hi.

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<v Speaker 2>I'm Sally Patton, Editor of Boss from the Australian Financial Review,

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<v Speaker 2>and welcome to fifteen Minutes with the Boss, a podcast

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<v Speaker 2>about success and failure and everything in between. And along

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<v Speaker 2>the way we're aiming to get some great advice from

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<v Speaker 2>our leaders. My guest today happily is Matt Common, the

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<v Speaker 2>Chief Executive of the Comonwealth Bank of Australia. Hi, Matt,

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<v Speaker 2>how's your day been so far?

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<v Speaker 4>Very good? Great to be with you, excellent.

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<v Speaker 2>Thank you for coming in now. Matt, as I said,

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<v Speaker 2>you're the CEO of Commonwealth Bank, Australia's biggest bank, with

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<v Speaker 2>the global staff of around fifty thousand people, which has

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<v Speaker 2>quite a few to be in charge of. Last year

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<v Speaker 2>you recorded a nine point eight billion dollar cash profit,

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<v Speaker 2>of which you return some eight billion dollars to shareholders

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<v Speaker 2>through dividends. You bank more than one in three Australians

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<v Speaker 2>and my interesting slash fum fat is that you bank

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<v Speaker 2>forty six percent of younger adults. That is a lot

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<v Speaker 2>to be proud of. It Does it make you proud

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<v Speaker 2>to hear those numbers?

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<v Speaker 4>It does?

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<v Speaker 3>I mean, I'm very lucky. I've been at CBA for

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<v Speaker 3>more than two decades. It's been a wonderful life experience.

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<v Speaker 3>I've you know, there's always ups and downs in any career,

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<v Speaker 3>in job, but I've also worked with some amazing people

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<v Speaker 3>over that time. And I'm you know, I'm proud of

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<v Speaker 3>what the Commonwealth Bank does and the opportunity to lead

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<v Speaker 3>it fantastic.

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<v Speaker 2>Okay, let's get into it. The clock starts now. My

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<v Speaker 2>first question is what does your morning routine look like?

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<v Speaker 2>What time do you get up? What happens?

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<v Speaker 3>So, no fixed routine, I don't have an alarm clock,

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<v Speaker 3>but I'll generally wake up somewhere between around six early

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<v Speaker 3>this morning, it was earlier.

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<v Speaker 4>I basically will get up, exercise, go to work.

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<v Speaker 2>And what does the exercise comprise of varies.

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<v Speaker 3>This morning gym sometimes run, not so much cycling anymore,

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<v Speaker 3>but probably exercise days. But if I don't have we've

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<v Speaker 3>got something on, I will skip it. But I generally

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<v Speaker 3>don't have a fixed schedule. I'm always in by a

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<v Speaker 3>certain time, but I sort of when I wake up,

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<v Speaker 3>I get up, and I don't seem to really ever

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<v Speaker 3>sleep in.

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<v Speaker 2>So what time do you get to the office by?

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<v Speaker 4>Somewhere around sort of seven thirty ish?

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<v Speaker 2>Okay, you're not particularly worried if you don't get your

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<v Speaker 2>exercise in, and you sort of go with the flow

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<v Speaker 2>a little bit.

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<v Speaker 4>I mostly get it in.

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<v Speaker 3>It'll only be if there's something I really feel like

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<v Speaker 3>I can't, or I'm particularly tired, or I've had a

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<v Speaker 3>late night. You know, sometimes it might be out two

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<v Speaker 3>or three nights a week at different events or traveling.

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<v Speaker 3>It's obviously harder when you're traveling, but I'm sort of

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<v Speaker 3>managed across my schedule. I try to be probably exercising

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<v Speaker 3>five days a week if I can.

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<v Speaker 2>Okay. And are you a breakfast person?

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<v Speaker 4>I am.

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<v Speaker 3>I have a fairly regular routine, but not nothing particularly sophisticated.

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<v Speaker 3>I have a protein shake and I have some fruit

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<v Speaker 3>and a green juice.

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<v Speaker 2>Okay. And are you a snacker? Does that last you

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<v Speaker 2>to lunchtime?

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<v Speaker 3>Most days occasion only, I'll have a snack, but not often.

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<v Speaker 2>Okay, all right, My next question is tell me about

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<v Speaker 2>a pivocial moment in your career that changed the trajectory

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<v Speaker 2>of what you were doing or somehow changed even the way,

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<v Speaker 2>somehow changed even what you wanted to be later on.

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<v Speaker 3>One of them would definitely be POSTGFC. So we've been

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<v Speaker 3>two thousand and nine and CBA was involved in well,

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<v Speaker 3>a financial advice group in North Queensland had failed and

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<v Speaker 3>a number of customers who had products with the Komwalf

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<v Speaker 3>Bank and I was I volunteered to lead the remediation

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<v Speaker 3>of that. So it was three and a half thousand

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<v Speaker 3>people basically lost their life savings.

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<v Speaker 4>I learned a lot.

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<v Speaker 3>I mean, I dealt for the first time with the

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<v Speaker 3>then CEO Ralph Board. I worked with a number of

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<v Speaker 3>legal firms because the bank was being sued. I appeared

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<v Speaker 3>in Parliament for the first time. I went and met

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<v Speaker 3>with customers directly. I think you learn the importance of

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<v Speaker 3>doing the difficul things yourself. You see the impact of

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<v Speaker 3>when things go bad and leverage, and those customers were

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<v Speaker 3>highly leaved and invested, obviously in a speculative at the

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<v Speaker 3>time strategy which had worked spectacularly badly in the GFC.

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<v Speaker 3>So I did that for most of two thousand and

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<v Speaker 3>nine and it was a really unique experience that I

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<v Speaker 3>learned a lot from, very very challenging, and you know,

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<v Speaker 3>a number of those lessons I think I've taken with

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<v Speaker 3>me throughout then.

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<v Speaker 2>So what are the core things that you've taken with

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<v Speaker 2>you from that time, Well.

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<v Speaker 3>I mean, I think it's important. There's no substitute for

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<v Speaker 3>firsthand experience. I remember after one of the customer events

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<v Speaker 3>and I'd finished and talking on obviously some of the

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<v Speaker 3>customers were very upset and angry, and my taxi had

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<v Speaker 3>long since left, and one of the people that were

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<v Speaker 3>there offered to give me a lift. I was staying

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<v Speaker 3>in Brisbane, CBD, just talking to them about their life story.

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<v Speaker 3>They'd lost everything and they'd retired. They having to go

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<v Speaker 3>back to work. Mom was working as a part time

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<v Speaker 3>in a subway store. I mean you see it up close,

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<v Speaker 3>working and understanding all of the implications and consequences of that,

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<v Speaker 3>trying to come up with the remediation. Like when something's

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<v Speaker 3>gone wrong, don't be pushed to a concession. Get to

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<v Speaker 3>the bottom of what actually happened. Say what happened. If

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<v Speaker 3>you've done something wrong, try and fix it as swiftly

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<v Speaker 3>and as fairly as possible. Really take a forensic approach

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<v Speaker 3>to things. Have a level of professional skepticism. Don't accept

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<v Speaker 3>what people say happened, not because anyone's trying to mislead you.

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<v Speaker 3>I think it's very hard when something's gone wrong to

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<v Speaker 3>necessarily sort of investigate and get to the bottom of

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<v Speaker 3>something yourself. I think it's just human nature. You try

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<v Speaker 3>to see things through a better lens than perhaps they are,

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<v Speaker 3>So there is importance around sort of you know, independence

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<v Speaker 3>of process, getting to the bottom of things. Dealing with

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<v Speaker 3>very difficult and emotional circumstances. You know, I dealt with

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<v Speaker 3>a major class action law firm at the time, which

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<v Speaker 3>you know, probably conventional wisdom might have been that's going

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<v Speaker 3>to be really challenging. But we tried to deal with

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<v Speaker 3>them very fairly, and I thought they dealt with us

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<v Speaker 3>very fairly. We got to an outcome I never felt.

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<v Speaker 3>I think there's a way to build a relationship that's

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<v Speaker 3>based on transparency and integrity, even with someone that might

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<v Speaker 3>otherwise be seen as you know, an adversary at that

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<v Speaker 3>at that point in time, and so I took I

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<v Speaker 3>think I probably took a lot of confidence from that,

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<v Speaker 3>from being exposed to something really really challenging.

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<v Speaker 2>So what were you doing immediately before that role and

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<v Speaker 2>did you put your hand up for the role or

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<v Speaker 2>did someone tap you on the shoulder.

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<v Speaker 3>I was running comseck and I put my hand up

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<v Speaker 3>for the role. A number of people asked, why would

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<v Speaker 3>you want to do that.

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<v Speaker 2>I'm sure they did.

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<v Speaker 3>I certainly didn't have any of the foresight. I mean,

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<v Speaker 3>looking back, it's clear that was a really important period

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<v Speaker 3>and a great opportunity. But I guess at the time

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<v Speaker 3>of putting my hand up it was less obvious, but

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<v Speaker 3>obviously I'm really glad I did. And I think it's

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<v Speaker 3>really important about embracing opportunity and trying to do difficult things.

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<v Speaker 3>I think when lots of leaders differentiate themselves over time,

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<v Speaker 3>it's generally those who move towards the hard issues. They

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<v Speaker 3>don't leave it to others. And that's obviously easy to say,

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<v Speaker 3>but it's actually incredibly important.

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<v Speaker 2>And was there a point where you thought you had

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<v Speaker 2>bitten off maybe more than you could chew you? Because

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<v Speaker 2>I guess that's also part of the learning.

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<v Speaker 3>Right, absolutely so, yes, I mean at various all of

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<v Speaker 3>those things. I think when you do something for the

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<v Speaker 3>first time, it feels it can feel daunting. I think

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<v Speaker 3>with the right mindset, you can gain both a lot

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<v Speaker 3>of experience and confidence, and a lot of things become

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<v Speaker 3>easier in life, and also from a career perspective after

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<v Speaker 3>you've done them before, and really doing things that are

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<v Speaker 3>challenging is so rewarding because a lot of other things

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<v Speaker 3>that maybe seemed hard for you before then actually seem

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<v Speaker 3>pretty easy, And a lot of things just get easier

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<v Speaker 3>with time and experience.

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<v Speaker 2>Yeah, it's good to know. My next question is what

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<v Speaker 2>is the best piece of career advice you've ever been given.

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<v Speaker 3>I mean, really embrace the opportunities that you're given. And

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<v Speaker 3>that for me would have been a few years before

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<v Speaker 3>that as a particular point when I was being asked

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<v Speaker 3>to go and lead a piece of work which was

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<v Speaker 3>comm see big technology project at CBA, and I didn't

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<v Speaker 3>necessarily want to do it, but the person that I

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<v Speaker 3>was working for, so it gave me that piece of advice.

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<v Speaker 3>And ultimately part of that was, you know, he asked

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<v Speaker 3>me at the time, do you trust me? And I said,

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<v Speaker 3>I absolutely do and I did, and he was, you know,

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<v Speaker 3>this is going to be really you might not think

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<v Speaker 3>it is, it's going to be really good and important

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<v Speaker 3>for you to do it. And and it taught me

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<v Speaker 3>a lot because I think, you know a lot of

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<v Speaker 3>times you see people that can be a little bit tentative,

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<v Speaker 3>and you know, life comes with sort of unexpected opportunities

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<v Speaker 3>and challenges, and I think if you're the sort of

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<v Speaker 3>person that's really looking for a way to, you know,

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<v Speaker 3>embrace an opportunity, there's so many different ways that you

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<v Speaker 3>can learn. You know, you tend to be then I

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<v Speaker 3>think rewarded with other opportunities as well. And you know,

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<v Speaker 3>I've just found that there are so many ways to

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<v Speaker 3>learn in life and in business and from other people

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<v Speaker 3>as well. And so I think the sort of embracing

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<v Speaker 3>opportunities with curiosity and trying to just continue to improve

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<v Speaker 3>every day, it makes a huge difference that you know

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<v Speaker 3>both that's a mindset as well as you know a

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<v Speaker 3>determination to do both of those things.

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<v Speaker 2>So when you're looking at those new opportunities and you're thinking,

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<v Speaker 2>maybe I don't want to do that because it's a

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<v Speaker 2>bit scary, how do you stop second guessing yourself and

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<v Speaker 2>just forcing yourself to say, yes.

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<v Speaker 3>It's important to be able to do that, and I do.

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<v Speaker 3>I think it's important to have constructive self reflection and

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<v Speaker 3>looking for the things that you can improve every day.

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<v Speaker 3>But I don't ruminate, I don't second guess. And I

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<v Speaker 3>see this sometimes people will ask about public speaking. I'm

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<v Speaker 3>never the sort of person that's worried about what if

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<v Speaker 3>I forget this or what if I just never allow

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<v Speaker 3>my mind to go down those sort of paths. And

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<v Speaker 3>some of that just comes from repetition. And so I

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<v Speaker 3>think there's a point you've always just got to be

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<v Speaker 3>prepared to commit and not look back. Like looking backwards

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<v Speaker 3>is you know, regret thinking about all the things you

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<v Speaker 3>could have or would have should have.

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<v Speaker 4>Forget it.

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<v Speaker 3>Just think about how you can take that forward. And

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<v Speaker 3>I think that's a really important life skill.

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<v Speaker 2>That is fantastic advice. No greats, don't look back, look forward. Yeah, Okay, Matt.

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<v Speaker 2>On that note, that is the end of our first section.

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<v Speaker 2>Don't go away. We're going to take a short break

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<v Speaker 2>and when we come back, we're going to open our

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<v Speaker 2>embarrassingly loath fire load tech chatterbox. Very good, welcome back

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<v Speaker 2>to fifteen Minutes with the Boss. I'm here with Matt Common,

0:12:15.600 --> 0:12:19.040
<v Speaker 2>the chief executive of the Commonwealth Bank. Now, Matt, this

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<v Speaker 2>is our section called the Chatterbox. As threatened. In front

0:12:28.480 --> 0:12:32.000
<v Speaker 2>of you is a really lovely brown, shiny cardboard box

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<v Speaker 2>inside which are today, I think probably about ten fifteen questions.

0:12:36.040 --> 0:12:38.000
<v Speaker 2>I'm going to ask you to have a bit of

0:12:38.040 --> 0:12:42.200
<v Speaker 2>a shuffle around, pickut some and let's start. I get

0:12:42.200 --> 0:12:42.520
<v Speaker 2>to read it.

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<v Speaker 3>Thanks very much.

0:12:46.280 --> 0:12:49.559
<v Speaker 2>Do you have a coping mechanism for high stress situations?

0:12:49.960 --> 0:12:52.360
<v Speaker 3>Well, I think a couple of things are really important. One,

0:12:52.800 --> 0:12:56.240
<v Speaker 3>I think being able to perform as well as possible,

0:12:56.240 --> 0:12:58.640
<v Speaker 3>which also includes dealing with high stress. There's a lot

0:12:58.679 --> 0:13:03.080
<v Speaker 3>of very conscious about sort of state. You know, good sleep, exercise,

0:13:03.480 --> 0:13:07.120
<v Speaker 3>I think, trying to always put yourself in the right position. Secondly,

0:13:07.480 --> 0:13:11.920
<v Speaker 3>I think look, dealing with stress gets easier with time. Thirdly,

0:13:12.000 --> 0:13:15.040
<v Speaker 3>as I've seen and learned, you know, often things are

0:13:15.120 --> 0:13:19.600
<v Speaker 3>not as bad as they first seen. Often the worry

0:13:20.080 --> 0:13:23.960
<v Speaker 3>can be debilitating. So I think it's a sense of

0:13:25.040 --> 0:13:32.199
<v Speaker 3>proportionality and being able to just work calmly through individual problems.

0:13:32.320 --> 0:13:35.240
<v Speaker 3>And obviously that's the most important thing about dealing with

0:13:35.679 --> 0:13:38.600
<v Speaker 3>difficult issues or stress. Just having a great team and something.

0:13:38.600 --> 0:13:40.240
<v Speaker 3>It's a big part of my job is getting the

0:13:40.280 --> 0:13:42.640
<v Speaker 3>right people in the right roles, working to their potential,

0:13:42.720 --> 0:13:46.160
<v Speaker 3>working well together. You know, once you've got that, things

0:13:46.240 --> 0:13:49.280
<v Speaker 3>are a lot less stressful. When you feel like you've

0:13:49.280 --> 0:13:51.680
<v Speaker 3>got a great team around you, you've got great support.

0:13:51.720 --> 0:13:54.400
<v Speaker 3>In my case from the board. You know, there's clarity,

0:13:54.520 --> 0:13:58.080
<v Speaker 3>there's alignment. I feel like, you know, you can work

0:13:58.120 --> 0:14:02.360
<v Speaker 3>calmly through any problem, like any any job and a

0:14:02.440 --> 0:14:05.800
<v Speaker 3>situation in life. It can be it can be stressful,

0:14:05.800 --> 0:14:08.880
<v Speaker 3>but I think with the right mindset and approach, there's

0:14:08.920 --> 0:14:10.840
<v Speaker 3>always a way forward.

0:14:10.880 --> 0:14:13.600
<v Speaker 2>Always so in terms of how much you sleep, and

0:14:13.640 --> 0:14:16.559
<v Speaker 2>how much you exercise in your recovery time, and even

0:14:16.800 --> 0:14:18.640
<v Speaker 2>what you put in your body. Do you measure those

0:14:18.679 --> 0:14:21.920
<v Speaker 2>things or do you have a device to measure those.

0:14:21.880 --> 0:14:24.120
<v Speaker 3>I have a couple of devices that measure those. Yes,

0:14:24.280 --> 0:14:27.920
<v Speaker 3>I do like metrics, but I also you know, I

0:14:28.040 --> 0:14:32.440
<v Speaker 3>if I've had a bad sleep, I won't necessarily watch

0:14:32.680 --> 0:14:35.200
<v Speaker 3>too closely. I don't, so I'm sort of like trying

0:14:35.240 --> 0:14:37.960
<v Speaker 3>to look at the averages and how I'm going over time.

0:14:38.200 --> 0:14:42.480
<v Speaker 3>I've sort of stepped back from looking at as closely

0:14:42.560 --> 0:14:45.240
<v Speaker 3>every single day as I would have a few years ago,

0:14:45.280 --> 0:14:48.760
<v Speaker 3>because I think it cann be a little bit self reinforcing,

0:14:48.840 --> 0:14:51.200
<v Speaker 3>or as I think most things in life, if you're

0:14:51.200 --> 0:14:55.760
<v Speaker 3>doing the right things consistently over a long period of time,

0:14:55.920 --> 0:14:59.280
<v Speaker 3>the benefits really really compound. So like I would never

0:14:59.320 --> 0:15:01.920
<v Speaker 3>worry about the one bad night or that I'll all

0:15:01.960 --> 0:15:04.680
<v Speaker 3>mean the few but you just know, you know, like

0:15:04.760 --> 0:15:07.680
<v Speaker 3>compound interest, if you just keep doing the right things

0:15:08.160 --> 0:15:11.160
<v Speaker 3>month in month out, it makes a huge difference.

0:15:11.360 --> 0:15:13.040
<v Speaker 2>Sleep is a really big thing at the moment. Do

0:15:13.040 --> 0:15:14.520
<v Speaker 2>you have a sleep goal? Do you know how many

0:15:14.960 --> 0:15:16.160
<v Speaker 2>hours you like to get I.

0:15:16.120 --> 0:15:20.600
<v Speaker 3>Do I try to get seven. Yeah, I measure that

0:15:20.640 --> 0:15:23.600
<v Speaker 3>in a couple of ways. I'll get less certain days

0:15:23.600 --> 0:15:26.520
<v Speaker 3>of the week versus I'll try to e which you

0:15:26.520 --> 0:15:28.480
<v Speaker 3>can't actually catch up on sleep, but you know, just

0:15:28.560 --> 0:15:31.400
<v Speaker 3>it's easier to sleep on a weekend night. I tend

0:15:31.400 --> 0:15:33.320
<v Speaker 3>to probably not sleep as well on a Sunday night.

0:15:33.440 --> 0:15:36.120
<v Speaker 3>And I'm just sort of used to the pattern. And

0:15:36.200 --> 0:15:40.840
<v Speaker 3>also I just try to manage my load physically mentally

0:15:41.200 --> 0:15:43.760
<v Speaker 3>so that I'm kind of if I've got something that's

0:15:43.800 --> 0:15:46.560
<v Speaker 3>really really hectic that's coming up, I'll try to ease

0:15:46.640 --> 0:15:48.880
<v Speaker 3>back a little bit to give myself a bit of

0:15:48.880 --> 0:15:52.520
<v Speaker 3>a rest beforehand. And likewise I try to Yeah, I

0:15:52.520 --> 0:15:54.000
<v Speaker 3>guess I plan pretty carefully.

0:15:54.200 --> 0:15:56.680
<v Speaker 2>And when it comes to exercising, are you real type A?

0:15:57.000 --> 0:15:58.320
<v Speaker 2>Do you push yourself a lot?

0:15:58.520 --> 0:16:01.000
<v Speaker 3>I like to push myself. I mean, as I've gotten older,

0:16:01.360 --> 0:16:04.920
<v Speaker 3>I don't exercise for I mean I'll train for maybe

0:16:04.960 --> 0:16:09.040
<v Speaker 3>an hour. I won't do four hours. You know, i'd

0:16:09.080 --> 0:16:12.000
<v Speaker 3>do a ten k run. I'd never do a marathon now,

0:16:12.120 --> 0:16:15.440
<v Speaker 3>you know. I just it's diminishing returns. It's I don't

0:16:15.480 --> 0:16:20.680
<v Speaker 3>think it's super healthy and it's too fatiguing. So I

0:16:20.800 --> 0:16:21.440
<v Speaker 3>just try to get there.

0:16:21.480 --> 0:16:22.720
<v Speaker 2>Do I have a day job I.

0:16:22.640 --> 0:16:24.120
<v Speaker 4>Do alongside my family.

0:16:24.160 --> 0:16:27.680
<v Speaker 3>That's I'm optimizing for my work, and so I'm trying

0:16:27.680 --> 0:16:30.400
<v Speaker 3>to do everything I can to be healthy and in

0:16:30.440 --> 0:16:33.040
<v Speaker 3>the best condition possible so I can perform as best

0:16:33.080 --> 0:16:33.400
<v Speaker 3>I can.

0:16:33.560 --> 0:16:33.760
<v Speaker 4>Yeah.

0:16:33.800 --> 0:16:36.120
<v Speaker 2>No, that's really good advice. Okay, have another fish in

0:16:36.160 --> 0:16:40.880
<v Speaker 2>the chatterbox. Let's see what turns up. Do you like

0:16:41.040 --> 0:16:43.640
<v Speaker 2>public speaking and have you always liked it?

0:16:43.920 --> 0:16:47.920
<v Speaker 4>I certainly haven't always liked it. I doubt many people have.

0:16:48.520 --> 0:16:49.640
<v Speaker 4>I do now.

0:16:50.240 --> 0:16:55.040
<v Speaker 3>Because I mean, realistically, I communicate for a living. Sometimes

0:16:55.080 --> 0:16:58.600
<v Speaker 3>I feel like I answer questions for a living, And

0:16:59.120 --> 0:17:01.640
<v Speaker 3>I mean a big part of when you're leading people

0:17:01.760 --> 0:17:07.200
<v Speaker 3>is being able to communicate clearly hopefully inspire, but also

0:17:08.000 --> 0:17:12.439
<v Speaker 3>you know, try and reach the audience, and you know,

0:17:12.520 --> 0:17:15.919
<v Speaker 3>often think that it's not always most people can't remember

0:17:15.920 --> 0:17:20.160
<v Speaker 3>what you say. Obviously that dissipates relatively quickly, but many

0:17:20.200 --> 0:17:23.360
<v Speaker 3>people can remember what it felt like when you were talking.

0:17:23.720 --> 0:17:25.439
<v Speaker 3>And I think, you know, I've just done a lot

0:17:25.480 --> 0:17:29.000
<v Speaker 3>of it, and so the repetitions make it easier, means

0:17:29.000 --> 0:17:32.720
<v Speaker 3>that you enjoy it more. I prefer I mean, I

0:17:32.720 --> 0:17:34.480
<v Speaker 3>don't like I wouldn't like to be an MC at

0:17:34.520 --> 0:17:34.919
<v Speaker 3>a wedding.

0:17:35.160 --> 0:17:35.920
<v Speaker 4>But I like SPA.

0:17:36.080 --> 0:17:37.880
<v Speaker 2>But I thought that's a lot easier than what you do.

0:17:38.359 --> 0:17:41.600
<v Speaker 3>No, I just sort of I like structure. I don't

0:17:41.640 --> 0:17:44.760
<v Speaker 3>mind doing a speech. I think, like anything, if you

0:17:45.440 --> 0:17:48.240
<v Speaker 3>don't have a mindset that you enjoy it and you

0:17:48.359 --> 0:17:50.960
<v Speaker 3>try to do a really good job and think about

0:17:51.000 --> 0:17:53.040
<v Speaker 3>like what do I really I think intent is so

0:17:53.160 --> 0:17:55.600
<v Speaker 3>important what I want to get out of this, you know,

0:17:55.640 --> 0:17:57.359
<v Speaker 3>I don't sort of stumble into things.

0:17:57.440 --> 0:17:58.720
<v Speaker 4>I'm sort of you've thought about it.

0:17:58.760 --> 0:17:58.920
<v Speaker 2>Part.

0:17:59.040 --> 0:18:01.840
<v Speaker 3>I want to think about Italy and then I just

0:18:01.960 --> 0:18:05.440
<v Speaker 3>try to push everything else out of my mind. Right

0:18:05.440 --> 0:18:07.800
<v Speaker 3>before I go on stage, I've got routine and then

0:18:07.880 --> 0:18:11.000
<v Speaker 3>I just start and I don't second guess. I don't

0:18:11.040 --> 0:18:14.920
<v Speaker 3>like over react if I don't know whatever an alarm

0:18:15.040 --> 0:18:18.240
<v Speaker 3>goes off or something, because I've done it so many times.

0:18:19.000 --> 0:18:21.960
<v Speaker 3>With that comes a degree of confidence that you know

0:18:22.000 --> 0:18:25.520
<v Speaker 3>you can you can do it well, and sometimes when

0:18:25.560 --> 0:18:27.520
<v Speaker 3>you don't feel like it. It's also a really good

0:18:27.520 --> 0:18:30.280
<v Speaker 3>sort of challenge again, because sometimes I think it's less

0:18:30.320 --> 0:18:34.560
<v Speaker 3>about how well you might do something when you're feeling

0:18:34.600 --> 0:18:37.280
<v Speaker 3>great and everything's going you know, it's actually I find

0:18:37.280 --> 0:18:39.000
<v Speaker 3>it quite interesting when you're you know, you're having a

0:18:39.000 --> 0:18:42.639
<v Speaker 3>bad day, things have gone off track, you don't feel

0:18:42.640 --> 0:18:46.080
<v Speaker 3>as well prepared, and sort of trying to again embrace that.

0:18:46.080 --> 0:18:48.000
<v Speaker 4>To see, well, let's see how much I can do.

0:18:48.119 --> 0:18:48.920
<v Speaker 4>Let's see what I've got.

0:18:49.000 --> 0:18:52.639
<v Speaker 3>Yeah, and I think that's that's fun. And so you

0:18:52.800 --> 0:18:56.320
<v Speaker 3>bet when I started, absolutely not. I mean, like everyone,

0:18:56.480 --> 0:18:59.600
<v Speaker 3>I was nervous. I was, you know, I was worried

0:18:59.720 --> 0:19:02.840
<v Speaker 3>about about that. But I don't know how many times

0:19:02.880 --> 0:19:06.040
<v Speaker 3>I've spoken in public, but a lot, so it's something

0:19:06.080 --> 0:19:08.879
<v Speaker 3>that I've certainly grown to enjoy.

0:19:09.119 --> 0:19:11.520
<v Speaker 2>I have seen you a lot in the public on stages,

0:19:11.560 --> 0:19:15.040
<v Speaker 2>and I think you're terrific. What's your routine beforehand? Do

0:19:15.040 --> 0:19:17.480
<v Speaker 2>do you have a breathing exercise or do you stand

0:19:17.560 --> 0:19:19.959
<v Speaker 2>up with your shoulders back or some people have you know,

0:19:20.119 --> 0:19:21.320
<v Speaker 2>all sorts of different routines.

0:19:21.520 --> 0:19:23.720
<v Speaker 3>I just want a little bit of quiet before I

0:19:23.840 --> 0:19:27.240
<v Speaker 3>go on stage. So if I'm going to speak, you know,

0:19:27.480 --> 0:19:31.160
<v Speaker 3>I would like like a minute or two and I

0:19:31.280 --> 0:19:34.320
<v Speaker 3>will just consciously try to push everything. You know, I

0:19:34.359 --> 0:19:36.520
<v Speaker 3>won't be trying to remember, oh, here's the thirteen different

0:19:36.520 --> 0:19:38.159
<v Speaker 3>points I need to make in the next eight minutes.

0:19:38.680 --> 0:19:41.400
<v Speaker 3>I'll just try and you know, just breathe and relax

0:19:41.960 --> 0:19:46.800
<v Speaker 3>and then start. You know, I'm a big believer in routines.

0:19:46.840 --> 0:19:50.080
<v Speaker 3>I think, you know, in professional sport and things as well. Actually,

0:19:50.480 --> 0:19:52.120
<v Speaker 3>you know, if you talk to someone who, let's say,

0:19:52.200 --> 0:19:54.840
<v Speaker 3>is an opening bats person, like the one of the

0:19:54.880 --> 0:19:57.439
<v Speaker 3>ways that they teach people to not get nervous at

0:19:57.480 --> 0:19:59.600
<v Speaker 3>the opening ball of the first test is you know,

0:19:59.640 --> 0:20:02.280
<v Speaker 3>to have a routine. So I am and I have

0:20:02.320 --> 0:20:07.400
<v Speaker 3>different routines. If on different days that are important, I'll

0:20:07.440 --> 0:20:09.960
<v Speaker 3>do a certain set of things. And I think that

0:20:10.080 --> 0:20:13.119
<v Speaker 3>just gives you a sense of comfort and consistency.

0:20:13.480 --> 0:20:15.800
<v Speaker 2>Oh I love that. Okay, next question, should we have another? Go?

0:20:15.960 --> 0:20:16.160
<v Speaker 4>Sure?

0:20:18.760 --> 0:20:22.119
<v Speaker 2>Do you have a favorite productivity hack to help you

0:20:22.160 --> 0:20:23.120
<v Speaker 2>get more out of your day?

0:20:23.440 --> 0:20:29.680
<v Speaker 3>Probably two related one. I generally think email is as

0:20:29.720 --> 0:20:33.520
<v Speaker 3>certainly as a sending device, a grotesque waste of time.

0:20:34.000 --> 0:20:36.760
<v Speaker 3>I'd hope I send probably the fewest number of emails

0:20:36.800 --> 0:20:39.040
<v Speaker 3>as any CEO. I mean, i'd do less than.

0:20:38.920 --> 0:20:39.680
<v Speaker 4>Five per day.

0:20:40.400 --> 0:20:40.720
<v Speaker 2>Wow.

0:20:40.920 --> 0:20:43.000
<v Speaker 3>Yeah, I think emails are great in terms of like

0:20:43.080 --> 0:20:48.400
<v Speaker 3>communication to read and send, They're terrible for understanding context

0:20:48.480 --> 0:20:52.040
<v Speaker 3>for problem solving. So I spend, as I said, as

0:20:52.040 --> 0:20:52.680
<v Speaker 3>a little time.

0:20:53.119 --> 0:20:54.760
<v Speaker 2>So what happens to all the emails that you get

0:20:54.800 --> 0:20:57.520
<v Speaker 2>in that are sort of probably asking for response. Do

0:20:57.600 --> 0:20:59.920
<v Speaker 2>you ignore them? Can you pass them off to somebody else?

0:21:00.200 --> 0:21:02.159
<v Speaker 3>Well, for a lot of people who work closely with me, know,

0:21:02.800 --> 0:21:05.480
<v Speaker 3>if you want to talk to me, talk to me,

0:21:05.760 --> 0:21:07.040
<v Speaker 3>come and talk to you. Yeah, I'm not going to

0:21:07.040 --> 0:21:09.360
<v Speaker 3>go back and forth on email. And then the second thing,

0:21:09.840 --> 0:21:12.959
<v Speaker 3>I'm a big believer in some of the work that

0:21:13.359 --> 0:21:16.280
<v Speaker 3>can Newport's done, which is it's all about sort of

0:21:16.400 --> 0:21:18.840
<v Speaker 3>deep work. So a lot of my job obviously I'm

0:21:18.880 --> 0:21:21.520
<v Speaker 3>in and out of different things meetings, but I also

0:21:21.640 --> 0:21:24.560
<v Speaker 3>if I really want to work on something that's important,

0:21:25.040 --> 0:21:28.479
<v Speaker 3>I'll have a big block of time, and I'll just

0:21:28.560 --> 0:21:30.960
<v Speaker 3>like to work in a certain way where I can

0:21:31.359 --> 0:21:34.879
<v Speaker 3>spend enough time to really get into it, because I mean, obviously,

0:21:35.200 --> 0:21:38.320
<v Speaker 3>sometimes I might have whatever ten or twelve different meetings

0:21:38.400 --> 0:21:41.800
<v Speaker 3>or topics that I'm context switching between, which is fine,

0:21:42.119 --> 0:21:45.439
<v Speaker 3>but if you actually really want to understand something and

0:21:45.560 --> 0:21:48.639
<v Speaker 3>take it forward, then you need to spend enough time

0:21:48.960 --> 0:21:52.119
<v Speaker 3>on you know, really understanding the material. And you know,

0:21:52.160 --> 0:21:54.879
<v Speaker 3>obviously I like just talking to the people who are

0:21:54.880 --> 0:21:58.400
<v Speaker 3>experts in that area. So I try to have blocks

0:21:58.400 --> 0:22:00.840
<v Speaker 3>of time where I can and work on something that

0:22:01.240 --> 0:22:03.719
<v Speaker 3>is important and it's sort of unstructured time, but I

0:22:03.800 --> 0:22:06.000
<v Speaker 3>use it in a certain way. Then obviously I've got

0:22:06.040 --> 0:22:09.199
<v Speaker 3>a lot of other meetings around that, and I like,

0:22:09.720 --> 0:22:11.760
<v Speaker 3>as I said, I try to avoid things that I

0:22:11.800 --> 0:22:14.400
<v Speaker 3>think are a waste of time, and i'd put email

0:22:14.560 --> 0:22:16.240
<v Speaker 3>substantially at the top of that list.

0:22:16.440 --> 0:22:18.800
<v Speaker 2>And how much time would you say, block out a

0:22:18.800 --> 0:22:21.360
<v Speaker 2>week for those deep thinking exercises.

0:22:21.520 --> 0:22:23.919
<v Speaker 3>Well, that's a great question, and my EA assists me

0:22:24.040 --> 0:22:27.400
<v Speaker 3>with that, but it really varies. I mean, when it's

0:22:27.440 --> 0:22:30.000
<v Speaker 3>coming up to something that I you know, obviously, if

0:22:30.000 --> 0:22:32.880
<v Speaker 3>it's results or you know, we've got a big strategy

0:22:32.880 --> 0:22:35.400
<v Speaker 3>session with the board and it's not just about reading

0:22:35.440 --> 0:22:38.639
<v Speaker 3>the papers, or if there's a particular topic, maybe in

0:22:38.640 --> 0:22:41.040
<v Speaker 3>a more complex topic I want to spend some time on,

0:22:41.119 --> 0:22:43.320
<v Speaker 3>then I'll try and block sort of two three hours

0:22:43.960 --> 0:22:48.040
<v Speaker 3>out on a certain day, but generally would have at

0:22:48.160 --> 0:22:52.160
<v Speaker 3>least an hour on a day. Sometimes I might get

0:22:52.240 --> 0:22:56.240
<v Speaker 3>lucky and have several hours, but I and I'll look

0:22:56.280 --> 0:22:59.919
<v Speaker 3>at that in terms of weeks in advance about what

0:23:00.000 --> 0:23:03.800
<v Speaker 3>it's the thing I really want to go and spend time.

0:23:03.560 --> 0:23:06.680
<v Speaker 2>On that, So you can plan that ahead, well, exactly.

0:23:06.320 --> 0:23:08.159
<v Speaker 3>Yeah, And sometimes that might be I might go to

0:23:08.200 --> 0:23:10.960
<v Speaker 3>the work go and see the team, meet with someone there.

0:23:11.040 --> 0:23:13.320
<v Speaker 3>I might ask for something that I can read in advance,

0:23:13.359 --> 0:23:15.560
<v Speaker 3>and then I want to ask a lot of questions

0:23:15.560 --> 0:23:18.080
<v Speaker 3>in and around it. And then obviously that compliments. As

0:23:18.080 --> 0:23:19.760
<v Speaker 3>I said, a lot of the time I'm in meetings

0:23:19.760 --> 0:23:22.639
<v Speaker 3>with my team or other members of the organization and

0:23:22.640 --> 0:23:24.960
<v Speaker 3>we're making decisions. So I mean, I guess you have

0:23:25.000 --> 0:23:27.400
<v Speaker 3>to be able to do both. But you know, there's

0:23:27.440 --> 0:23:30.080
<v Speaker 3>never enough time in any day, so trying to allocate

0:23:30.119 --> 0:23:35.880
<v Speaker 3>it as effectively and again with real intent is very important.

0:23:36.000 --> 0:23:40.520
<v Speaker 2>Okay, let's have one more question. Sure, ah, what's your

0:23:40.600 --> 0:23:43.720
<v Speaker 2>favorite podcast or streaming show? And why?

0:23:43.920 --> 0:23:44.600
<v Speaker 4>Podcasts?

0:23:44.600 --> 0:23:47.800
<v Speaker 3>I vary depending a little bit on the topic that

0:23:47.880 --> 0:23:52.200
<v Speaker 3>I'm interested in. I mean, I do like Adam Brandt,

0:23:52.240 --> 0:23:53.560
<v Speaker 3>as I said, I've listened to a lot of his

0:23:53.680 --> 0:23:57.520
<v Speaker 3>stuff sometimes, I've you know, from a health wellbeing It's

0:23:57.600 --> 0:24:01.080
<v Speaker 3>become very popular in Australia, Andrew Human and I quite

0:24:01.200 --> 0:24:05.600
<v Speaker 3>like Lex Friedman. He's got some interesting guests, some of

0:24:05.640 --> 0:24:08.480
<v Speaker 3>the tech ones. I listened to the New York Times.

0:24:08.800 --> 0:24:10.640
<v Speaker 3>I spent a lot of time on you know, on AI.

0:24:10.680 --> 0:24:14.760
<v Speaker 3>There's so much material. Obviously the AFR podcasts, thank you

0:24:14.920 --> 0:24:16.960
<v Speaker 3>nice to hear, yeah, And I mean they're very good,

0:24:16.960 --> 0:24:19.399
<v Speaker 3>sort of good summaries, you know. I've listened to a

0:24:19.440 --> 0:24:22.800
<v Speaker 3>bit of The Economist, so I don't other than the

0:24:22.800 --> 0:24:24.720
<v Speaker 3>thin I don't listen to that. It's the same thing

0:24:25.040 --> 0:24:31.639
<v Speaker 3>every week. I'm typically moving a little bit between domains streaming.

0:24:32.280 --> 0:24:33.800
<v Speaker 4>I don't watch a lot of TV.

0:24:34.280 --> 0:24:37.760
<v Speaker 3>I do what I look forward to in uh because

0:24:37.800 --> 0:24:42.720
<v Speaker 3>usually we'll do a offshore trip to see investors in

0:24:43.119 --> 0:24:46.040
<v Speaker 3>March or so I'll download the whole sort of Drive

0:24:46.119 --> 0:24:50.600
<v Speaker 3>to Survive series on Netflix. My son and I he

0:24:50.880 --> 0:24:54.000
<v Speaker 3>loves Formula one and it's a sport. I've basically zero

0:24:54.119 --> 0:24:57.280
<v Speaker 3>interesting before that series, you know, so something like that

0:24:57.359 --> 0:25:00.480
<v Speaker 3>I just find like really engaging and interesting to watch

0:25:00.480 --> 0:25:03.200
<v Speaker 3>on a long haul flight, because I wouldn't I wouldn't

0:25:03.240 --> 0:25:04.760
<v Speaker 3>do that if I was at home. I would feel

0:25:04.760 --> 0:25:07.359
<v Speaker 3>it was a bit of a waste of time. Whereas

0:25:07.560 --> 0:25:10.879
<v Speaker 3>there I find that sort of relaxing because you know,

0:25:10.920 --> 0:25:13.120
<v Speaker 3>it's a long flight and you can sort of binge watch.

0:25:13.160 --> 0:25:16.399
<v Speaker 3>But otherwise I don't probably watch that much TV. A

0:25:16.400 --> 0:25:18.880
<v Speaker 3>bit of sport because I find that easy to sort

0:25:18.880 --> 0:25:21.040
<v Speaker 3>of switch off. I've watched quite a bit of rugby league,

0:25:21.400 --> 0:25:23.640
<v Speaker 3>but not a lot of other sort of series during

0:25:23.640 --> 0:25:23.960
<v Speaker 3>the year.

0:25:24.040 --> 0:25:28.320
<v Speaker 2>Okay, on that note, you have passed. Thank you very

0:25:28.440 --> 0:25:37.840
<v Speaker 2>much the chedderbox section. We will move on to our

0:25:37.920 --> 0:25:41.399
<v Speaker 2>last question, which is if we were the holiday gods

0:25:41.600 --> 0:25:44.760
<v Speaker 2>and we granted you twelve months holiday, you could come

0:25:44.760 --> 0:25:47.080
<v Speaker 2>back to the same job, you were unencumbered, you could

0:25:47.080 --> 0:25:48.760
<v Speaker 2>do anything you liked. What would you do.

0:25:48.960 --> 0:25:52.840
<v Speaker 3>I would definitely travel. Look, i'd move between both, you know,

0:25:53.040 --> 0:25:57.560
<v Speaker 3>summer and winter. I enjoy both skiing and so i'd

0:25:57.560 --> 0:26:01.040
<v Speaker 3>probably you know, spend some time certainly off. Sure, I

0:26:01.080 --> 0:26:04.119
<v Speaker 3>suspect I will get bored well inside twelve months, so

0:26:04.119 --> 0:26:07.640
<v Speaker 3>I'd have to find something stimulating to do it at

0:26:07.720 --> 0:26:10.399
<v Speaker 3>the same time. And I guess, like everyone, i'd like

0:26:10.440 --> 0:26:12.600
<v Speaker 3>to spend some time with family. I try to do

0:26:12.600 --> 0:26:15.360
<v Speaker 3>the best I can with my kids, but I certainly

0:26:15.480 --> 0:26:19.919
<v Speaker 3>feel the sacrifices at time, which you know, I'm very

0:26:19.920 --> 0:26:22.160
<v Speaker 3>happy to make, so it would be nice. And I'd

0:26:22.480 --> 0:26:26.639
<v Speaker 3>probably like to substantively spend that time without a phone.

0:26:26.960 --> 0:26:30.840
<v Speaker 3>I think that would be quite a different feeling to

0:26:30.960 --> 0:26:33.280
<v Speaker 3>not be you know, just not be thinking about work

0:26:33.359 --> 0:26:35.679
<v Speaker 3>and not so I have to worry about that at all.

0:26:35.720 --> 0:26:38.600
<v Speaker 3>I think that would be quite for the former CEOs

0:26:38.600 --> 0:26:40.760
<v Speaker 3>that I've seen. I think that's the thing that they

0:26:40.920 --> 0:26:45.359
<v Speaker 3>enjoy most, is that the levity that comes from just

0:26:45.440 --> 0:26:46.200
<v Speaker 3>not having.

0:26:45.960 --> 0:26:48.600
<v Speaker 2>To be on your phone all the time, be content.

0:26:48.840 --> 0:26:51.040
<v Speaker 3>Exactly and you just never know, and that's just part

0:26:51.080 --> 0:26:53.160
<v Speaker 3>of the It's also part of what I really enjoy

0:26:53.280 --> 0:26:53.760
<v Speaker 3>in the role.

0:26:53.840 --> 0:26:55.080
<v Speaker 4>But you just never know.

0:26:55.280 --> 0:26:58.720
<v Speaker 3>I mean, something could happen very very quickly, and you

0:26:58.800 --> 0:27:00.840
<v Speaker 3>just need to always that's always in the back of

0:27:00.880 --> 0:27:03.040
<v Speaker 3>your mind. So at some point, not having to worry

0:27:03.080 --> 0:27:05.040
<v Speaker 3>about that, and whether that's sort of walking on a

0:27:05.080 --> 0:27:08.120
<v Speaker 3>beach or walking up a mountain, not having to worry

0:27:08.160 --> 0:27:10.359
<v Speaker 3>about what am I missing would be I think a

0:27:10.359 --> 0:27:10.879
<v Speaker 3>good feeling.

0:27:10.960 --> 0:27:12.960
<v Speaker 2>So to prevent you from getting bored, would you learn

0:27:12.960 --> 0:27:13.560
<v Speaker 2>a new skill?

0:27:13.840 --> 0:27:17.200
<v Speaker 3>I'd like to I'd probably try and read a lot.

0:27:17.480 --> 0:27:20.760
<v Speaker 3>I'd love to be able to learn a language. I'm

0:27:20.960 --> 0:27:24.520
<v Speaker 3>terrible at art and music, so I think I could

0:27:24.560 --> 0:27:28.280
<v Speaker 3>rule a number of different things out. Yes, would be

0:27:28.280 --> 0:27:31.200
<v Speaker 3>the short answer, but we wouldn't necessarily be an unlimited

0:27:31.200 --> 0:27:33.840
<v Speaker 3>set of choices of new skills that I'd.

0:27:33.680 --> 0:27:34.200
<v Speaker 4>Like to learn.

0:27:34.640 --> 0:27:36.280
<v Speaker 2>Italian or French or something like that.

0:27:36.480 --> 0:27:38.360
<v Speaker 3>Spanish I would like to be able to speak more

0:27:38.359 --> 0:27:40.959
<v Speaker 3>of My father was Spanish and he died when I

0:27:41.000 --> 0:27:43.920
<v Speaker 3>was six, and I have a half brother who lives

0:27:44.000 --> 0:27:46.760
<v Speaker 3>in Spain, and his Spanish obviously a hell of a

0:27:46.760 --> 0:27:50.800
<v Speaker 3>lot better than mine. So I feel like I could

0:27:50.920 --> 0:27:54.120
<v Speaker 3>have done a better job of learning that language.

0:27:55.359 --> 0:27:58.280
<v Speaker 2>And that, Matt, means that our time is up. It's

0:27:58.320 --> 0:28:00.880
<v Speaker 2>been a real pleasure talking to you about the way

0:28:00.920 --> 0:28:03.960
<v Speaker 2>that you have gone and deliberately done the difficult things,

0:28:04.040 --> 0:28:06.479
<v Speaker 2>because that is what is going to develop you as

0:28:06.480 --> 0:28:08.879
<v Speaker 2>a leader. I really like the way that you don't

0:28:09.200 --> 0:28:11.679
<v Speaker 2>ruminate on past mistakes. You get up and get on

0:28:11.760 --> 0:28:14.119
<v Speaker 2>with things. And I think you're amazing the way you

0:28:14.200 --> 0:28:16.919
<v Speaker 2>only send five emails a day. I also think the

0:28:16.920 --> 0:28:19.879
<v Speaker 2>way that you optimize yourself, your family and your work

0:28:20.000 --> 0:28:22.600
<v Speaker 2>is a really good lesson. You know exactly what your

0:28:22.640 --> 0:28:25.960
<v Speaker 2>priorities are. And I will finish by saying best of

0:28:26.040 --> 0:28:28.680
<v Speaker 2>luck in your year off connecting with your Spanish heritage.

0:28:29.320 --> 0:28:31.879
<v Speaker 2>So Matt, thank you so much once again for coming

0:28:31.880 --> 0:28:34.960
<v Speaker 2>in and allowing us to spend fifteen minutes with the boss.

0:28:35.400 --> 0:28:40.720
<v Speaker 4>Likewise, thanks very much, and.

0:28:40.600 --> 0:28:43.000
<v Speaker 2>Thank you to everyone for listening. If you like the

0:28:43.040 --> 0:28:46.080
<v Speaker 2>podcast and would like to hear more, please consider sharing

0:28:46.160 --> 0:28:49.080
<v Speaker 2>the podcast or writing a review, as it helps us

0:28:49.160 --> 0:28:52.000
<v Speaker 2>to reach more people and follow us wherever you get

0:28:52.000 --> 0:28:55.880
<v Speaker 2>your podcasts. At The Financial Review, we investigate the big

0:28:55.880 --> 0:28:59.880
<v Speaker 2>stories about markets, business and power. For more, go to

0:29:00.000 --> 0:29:03.200
<v Speaker 2>AFAR dot com and you can subscribe to The Financial

0:29:03.240 --> 0:29:07.480
<v Speaker 2>Review the Daily Habit of successful People at AFR dot

0:29:07.520 --> 0:29:13.080
<v Speaker 2>com slash subscribe. This podcast was hosted by me Sally Patton,

0:29:13.640 --> 0:29:17.120
<v Speaker 2>producing edited by Mandy Colin. Our theme is by Alex

0:29:17.200 --> 0:29:19.680
<v Speaker 2>garr And. Our executive producer is Fiona

0:29:19.680 --> 0:29:29.520
<v Speaker 1>Bffini The Australian Financial Review