I know what you’re thinkin. You’re thinkin you want your bank to stop listening to focus groups and its marketing department and to stop telling us stuff it thinks we want to hear.


You’re thinkin that the next time your bank raises interest rates by more than the Reserve Bank’s official 0.25 per cent, you’re going to walk into your local branch and dump a bag of horse manure in the revolving doors.

You’re thinkin that the ANZ recently spent $15 million to change its logos from three stripes to one stripe with a blue flower thrown in for good measure, and that Aussie Hollywood superstar Simon Baker can’t have come cheaply either.

You’re thinkin that it’s terribly presumptuous of a bank to assume what you’re thinkin, not to mention presumptuous of a journalist to presume to interpret your response to a bank ad, but you’re thinkin you’ll read to the end of this rant anyway.

You’re thinkin that a nice Catholic boy like Simon Baker who’s made it big in Hollywood might at least go to the effort or pronouncing the “g” at the end of the word “thinking”.

You’re also thinkin that he should ditch the American accent in this Australian ad. Granted, the bloke was recently named as having the best fake Yank accent of all the Aussies in Hollywood, but what part of “elitist blow-in” does ANZ’s marketing department fail to understand?

You’re thinkin that if you ever bump into an ANZ banker in the pub, you really are going to wee in their wine glass.

And you’re thinkin “Holy fake dialogue Batman! Did Simon Baker really just string four adjectives together ending in the suffix “ive” like some kind of jive-talkin urban poet?”

You’re thinkin, you couldn’t give a flying fully-franked fund whether your bank is interactive, predictive, non-restrictive, addictive, penetrative, demonstrative or friggin’ discombobulative.

You’re thinkin, you just want lower fees, that’s all. And the reason you want lower fees is so that you know the bank’s $5 billion annual profit is sourced from someone’s hard work, rather than a computer program which scrapes the bottom of your account like a syphilitic baboon scratching it’s enormous pink backside.

OK, so maybe you weren’t thinking that, but I bet you are now.

And you’re thinkin, I really don’t care if your bank is more creative, more innovative and more “in sync” with you. Because if you are even slightly in sync with those bastards in the most trivial way, well, that doesn’t say a hell of a lot about you, does it?

You’re thinkin, in general terms, why is it that bank after bank after bank spends big bucks trying to prove it’s more human than anyone else, instead of just talking straight, which you’d respect.

You’re thinkin, you don’t want a nanny, you want genuinely competitive financial products.

You’re thinkin, yep, you really would wee in a banker’s wine glass if you had the chance. In fact, you may crash the ANZ Christmas party this year.

If you’re a Simon Baker fan, no doubt you’re also thinkin, why do wealthy celebrities demean themselves with inappropriate ads? Why did Libby Trickett do that KFC ad? And what about Bear Grylls and his Nissan X-Trail ad?

If you just watched the Bear Grylls ad, you’re also no doubt thinkin: why do they always park at the edge of cliffs in 4x4 ads? What’s the message here? That the car’s handbrake works really, really well?

Lastly, you’re probably thinkin that the ANZ is quietly loving all of this, because any publicity is good publicity.

“They’re talkin about us,” the marketing department will be gleefully saying, deliberately dropping the “g” because a focus group told them that’s how real people talk.

“That was several squillion well spent.”

In a late development, Westpac - whose infamous banana smoothie campaign backfired spectacularly last year - is said to be courting a Hollywood star in an attempt to counter ANZ’s Simon Baker ads.

“We’re confident our Charlie Sheen ads will hit the right note,” a spokesman may well have just told The Punch.

144 comments

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    • Ghost says:

      05:53am | 15/07/11

      I am thinking Banks ought to give away free chicken schnitzels to attract customers.

      AND do you know if I cut it like this I can turn one chicken breast into 52 schnitzel pieces?

    • Jackie says:

      08:49am | 15/07/11

      Good one Ghost! two years back HSBC at Parramatta gave out 30 cent Mcdonald ice-creams to attract customers. All they got was a lot of crying kids with parents pulling them away.

    • Ghost says:

      10:13am | 15/07/11

      Don’t diss chicken schnitzels Jackie.  You don’t know what danger you are messing with.

    • Babe in the Woods says:

      05:58am | 15/07/11

      Great start to the day!  The fact is, with all the taxes and various departments shoving their hand in my pocket, I don’t have anything left to put in my bank.  I get paid once a month, internet pay all my bills then draw the rest out for spending cash.  So I don’t give a toss about a bank selecting, detecting, infecting or neglecting me.  Bankers and pollies—- (now my day is going to crap again).  Love the line about a baboon scratching it’s arse.  And I may just take your advice and crash the local Bankers Picnic armed with a fully loaded bladder.

    • Tony of Poorakistan says:

      09:32am | 15/07/11

      Bankers are simply crooks in suits. Or in Gail’s case, skirts. 
       
      A bunch of Collins St spivs who jizz in their pants at the thought of screwing another few points out of customers who really have nowhere else to go. (If you don’t think the Big Four are a cartel, you don’t know much). 
       
      First they told us that being paid directly into our bank accounts was better for us than cash or cheque, because we didn’t need to carry all that money or wait for cheques to clear. And it was free, they said.
       
      Well, it was until they had everyone doing it, at which time they started charging us to use ATMs.

      Then when they had people hooked on ATMs, they started closing branches. And instituted call centres front-ended by robot menus that rival Telstra’s for time wasted. All to make a few more bucks.
       
      Until such time as executives are remunerated on customer satisfaction, rather than how much they can rip off those same customers, we will remain the lowest possible priority.

    • Tubesteak says:

      10:23am | 15/07/11

      Tony, you’re a complete idiot.

      I have a bank account with one of the Big 4 and I’m not charged any fees. Do your research and find the appropriate account.

      Moreover, I’m not charged to use an ATM because I’m smart enough to use an ATM within my bank’s network. You only get charged ATM fees if you use an ATM that’s not in your bank’s network.

      Furthermore, I’m smart enough to know how much cash is in my wallet at any given time and PLAN AHEAD (you know, that thing that smart people do to manage themselves).

      Finally, who cares about call centres? Who uses the services of a call centre? Anything you need them for can be done over the internet. FOR FREE!

      Smarten up and stop whining.

    • SydSteve says:

      03:46pm | 15/07/11

      Wow Tubesteak, Had a bad week?

      Most banks that have no account fees or ATM fees have limited free withdrawels and then start charging. If this isn’t the case feel free to let me know what bank you’re with. I’m only ever loyal to the cheepest bank and I’ll swap straight away.

      I find in general I’m pretty smart when it comes to banking at least but it’s when you have no other choice that you really get screwed. ATM’s inside of Nightclubs and convieniance stores are crazy because they know they can charge whatever fees they want and people will still use them. So I’m with Tony here.

    • Direct says:

      04:09pm | 15/07/11

      Tubesteak, your personal habits are not the point. Before ATM Direct Charging was institution, customers had the option of banking with an institution who charged them ATM fees or not. For instance, when I banked with one institution I had free unlimited ATM transactions from any ATM within Australia and incurred no account keeping fees. Now, there is not a single institution that can offer a product that was the equal of the account I had before. Even ING Direct’s Orange Everyday account specifies that you must withdraw $200 or more to avoid ATM Direct Charges.

      This legislation limited choice and competition in the domestic marketplace and curtailed the habits of consumers that weren’t lazy whingers. You’re sitting here calling people whingers when a cartel lobbied the government to protect them from the free market. The fact that you either can’t understand that or worse support such action,  marks you as idiot. Don’t expect any sympathy from me if in the future you’re ever on the pointy end of any business collusion or government intervention in the market of any form.

    • HappyCynic says:

      04:10pm | 15/07/11

      @Tubesteak

      But your suggestions all require a modicum of intelligence, a degree of patience and a basic understanding of how you spend your own money.

      Now consider the fact that the average person isn’t much more intelligent than a poo-flinging monkey, and consider that Tony is probably only average (based on his “all bankers are crooks” rant), you can’t expect too much.

      The average consumer of financial products believes intelligence is over-rated and a waste of time, if whinging doesn’t work, they whinge some more.  No wonder they get crappy service from their banks smile

    • Harry says:

      04:25pm | 15/07/11

      Tony, you should consider depositing your funds in a European bank…maybe then you will realise we have a banking system the envy of the world.  Whining….One of our favourite past times! Take a trip around the world & remind yourself how good we have got it.  Completely fee free banking?  Would you work for free?

    • John says:

      06:57pm | 15/07/11

      The big four are nothing compared to the international banking cartel. The big four are not allowed to counterfeit where the international banking cartel can! but of course the big four gain from the international banking cartel counterfeiting when they borrow money off the crooks and then lending it out to us to buy over prized real-state and worthless materialistic items.

    • atthepub says:

      06:07am | 15/07/11

      I hate it when people presume to know what I’m thinking especially when I don’t think about banks at all because they’re not worth it.

    • Reg says:

      07:26am | 15/07/11

      You must be poor

    • atthepub says:

      01:29pm | 15/07/11

      Or comfy enough not having to worry about that stuff Reg.

    • 'G' says:

      06:39am | 15/07/11

      What I’m thinkin’ is that it’s really quite strange that he’s leanin’ against the wall and talkin’ straight to camera without actually lookin’ into it until right at the end…probably in some advertisers misguided attempt to make us feel that’s when he gives his ‘real message’. I just end up thinkin’ “How bloody annoyin’”.

    • antibanks says:

      10:17pm | 15/07/11

      I so agree “G” Get this ad off our screens NOW!!!

    • Robert S McCormick says:

      07:12am | 15/07/11

      If I see that dreadful Yank-style advertisement for the ANZ Bank with the oh-so-phony pseudo yank wanker Simon Baker once more I will seriously consider changing to another bank.
      A message to the ANZ:
      We don’t need this sort of rubbish.
      We don’t give a toss about what Simon Baker has to say - at least not whilst he uses that appalling pseudo-American accent.
      Give us an Australian who can speak Australian English not some ex-pat who will, at least until he gets too old to be a plus for the Box Office, never actually live here.

    • Nelson says:

      08:35am | 18/07/11

      Totally agree. When I first saw the ad and he told me he knew what I was thinking - he was wrong. I was thinking why is an Australian bank using an Australian actor to talke to us in an American accent. I knew Simon when he was a cop in E Street!

    • Sony B Goode says:

      07:15am | 15/07/11

      Who cares what banks do with their own money, the real issue is what is government doing with OUR TAXPAYERS MONEY!!!!

    • James1 says:

      09:12am | 15/07/11

      Can’t we care about both?

    • The righteous one says:

      07:30am | 15/07/11

      I’m thinkin tv stations are full of crap when they tell us they dont manipulate the sound on ads tpo make them louder. I’m thinkin the lamest explanation was that they compress the sound so they can fit more words into 30 seconds, I thinkin ICBS because if this was correct the tone and speed of the speech would be changed.  Apart from that I dont know why, but when I hear an aussie with an obviosly fake yank accent, ICDBS and immediately switch off to whatever the pretentious wanker who is trying to hide where they are from, is trying to sell me

    • Queue says:

      09:23am | 15/07/11

      Compression refers to the volume, not the duration. This means the peak volume level is not louder than regular programming, rather, mid range sounds are boosted, giving the impression that they are louder. It’s nothing to do with fitting more words in.

      Couldn’t agree more about the accent. There’s a hilarious youtube spoof out there too.

    • Sarita Burns says:

      07:52am | 15/07/11

      Lol GOLD. Sums up what we were ‘thinkin’ the other day after seeing the ads. Hire Anthony Sharwood for the next ANZ ad! Might actually worth seeing then.

    • Kath Grant says:

      07:00pm | 15/07/11

      I totally agree with you Sarita!  I also laughed out loud, especially as Tony Sharwood echoed many of my thoughts when I watched the commercial.  Talk about insultin.

    • buck says:

      08:06am | 15/07/11

      Isn’t the reason he talks with the yankcent because he’s supposed to be playing his TV character?
      I’m not saying it’s clever, good or even adequate - just saying that’s why.

    • fairsfair says:

      08:41am | 15/07/11

      Thats what I took away from that trainwreck too. Its not Simon Baker loving ANZ, it is Patrick Jane.

      I think the ad is an epic fail (got nothing on that Coles ad though).

    • Kebabpete says:

      10:04am | 15/07/11

      @fairs, come one now. My day was going so good until you made me think of that bloody Coles ad.

    • fairsfair says:

      10:22am | 15/07/11

      Theres lots of down down savings, up and down the aisles now…

      Makes you want to construct a trolley bomb macgyver style and end it all.

    • Danny B says:

      11:00am | 15/07/11

      I know what you mean about the Coles ad.  What got me was that I was in my local one yesterday, and there was a kid singing that song - and his Dad was joining in.

    • jay-ded says:

      11:11am | 15/07/11

      Awww ff.  Can I play too?  We could place one of those stupid finger gloves on the top of the bomb first.  Just to watch it explode. 

      Awesome.  Trolley bombs!

    • John Smythe says:

      11:57am | 15/07/11

      I quite enjoyed the Mentalist. He did a very good job.

      Season 3 was good too smile

    • fairsfair says:

      12:03pm | 15/07/11

      they are the way of the future Jay-ded.

    • fairsfair says:

      12:19pm | 15/07/11

      Yes, I quite like the mentalist too JS. I will admit it has fallen out of favour in my household for some unexplained reason. I think Downton Abbey had something to do with it (absolutely obsessed with that show!).

      I think Simon Baker (Denny, I still add that for effect) is a very good actor. I think he too would have cringed when he saw the finished product for ANZ though. It is such a strange concept - getting a fictional character to directly appeal to the individual in advertising. It is odd.

    • Bec says:

      01:07pm | 15/07/11

      I don’t get the reference, never having watched the show it’s meant to be from (I don’t even know)... so it’s not working on me, and I’m sure I’m not alone - so I DID think he was just talking in an American accent for kicks.

      Also, that Coles ad is working in a very negative way for me. I left the store after they kept playing the song in store. Couldn’t deal with it without the ability to mute.

    • OddCreature says:

      08:11pm | 16/07/11

      Folks - something else to bear in mind, this ad isn’t being played only in Australia.

      ANZ are big in a lot of other countries, where this ad is also being played along with his show, and in places like the Phillipines they probably think this is how Simon Baker really talks.

      I honestly think it might work in some other countries where ANZ does business. But I agree, in Australia it misses the mark.

    • Tubesteak says:

      08:47am | 15/07/11

      I’m thinkin I got half way through this and thought “what a load of crap”.

      Banks are businesses. They’re designed to make money. No surprises there (hopefully).

      They’re not designed to make you happy, or give you money without making more out of you. Marketing departments will always spin shit no matter what company they work for. After all, they’re staffed by people that weren’t smart enough to law, engineering or medical degrees and not creative enough to make a living as artists.

      Do your research and stop whining. We have a lot of retail financial institutions in this country. Most of them offer better deals than the big 4 banks. If you can’t find them then you’ve only got yourself to blame.

    • jf says:

      05:01pm | 15/07/11

      Agreed Tubesteak. I don’t work for a bank and don’t own shares in a bank but I am a customer of a bank

      I’m not a big customer. I have a modest term deposit that I’m hanging onto to buy a house when the time is right and a joint account with my wife into which both of our salaries are deposited. I also maintain a joint account with my ex-wife for joint expenses for our kids.

      We are not charged regular fees on any of these accounts. From time to time I withdraw money from a non-aligned ATM and am greatful that it was available although slightly annoyed every time I have to consent to pay a fee I’m well aware of and which is tiny. I get a reasonable amount of interest on each account and am aware that I could get more if I shopped around.

      I don’t particularly like or dislike banks. I am their customer. They are a service provider. I am not a particularly big customer and get a pretty good outcome. They keep my money safe and pay me for the privilege and report on all my transactions.

      Bank whingeing is so utterly inane that I wonder that otherwise intelligent people do it.

      However, I do agree that their ads are irritating. None moreso than the NAB ads.

    • Brendan says:

      08:48am | 15/07/11

      I’m thinking that this might have been the funniest post I’ve read in weeks. 

      It struck all the right tones: light, cheery yet cynical.  Biting without being spiteful. 

      And funny, this was really funny.

    • Mr A Dad says:

      08:54am | 15/07/11

      I’m thinking that that add wasn’t even filmed in Australia as I have never seen a black and white street sign like the one in the background.

    • Danny B says:

      09:06am | 15/07/11

      Seconded.

      To me it looks like an American street (maybe NY?) with the ANZ signs placed on it.

    • Elisabeth says:

      09:42am | 15/07/11

      I think you’re right. ANZ just launched its international brand in the USA. I reckon this ad was made for the US (check out the ‘floating’ ANZ logo on the wall) and the clever little ad people have simply flipped the image. And why would ANZ make a tv ad with Simon Baker’s character when most Australians don’t watch the bloody show?

    • Deb D says:

      09:58am | 15/07/11

      It was shot in Los Angeles (Pacific Centre 523 W 6th Street). There’s another version of the ad shot for the Hong Kong market. Some scenery and extras were switched out to make it look more like the region. Bit bizarre, really http://www.youtube.com/watch?v=Xlign86r7Ck

    • Mr A Dad says:

      10:13am | 15/07/11

      HA HA HA thanks for the confirmation guys.

      Doesn’t the ANZ stand for Australia New Zealand Banking Corporation

      Obviously they couldn’t afford to bring him to Australia and film the add on a street in Melbourne, Sydney, Adelaide ect ect.

    • Confused says:

      01:52pm | 15/07/11

      It had to be in America, as you would have heard if Simon was ni Oz for a holiday.. I doubt the bank, even spending your money, would fly him back for an Ad..
      It’s strang that they know what we’re thinkin, but yet they stil increase the rates, interest, fees and charges.. We must be thiinkin the wrong things:)

    • mike j says:

      02:10pm | 15/07/11

      It was shot in front of a green screen. Could have been anywhere.

    • Tony says:

      09:14am | 15/07/11

      NAB, (what kind of bank calls themselves nab?), killed the asterix, and turned it into it’s logo! Mneh.

    • Nigel C says:

      09:42am | 15/07/11

      What have Asterix and Obelix got to do with a bank story?

    • Kebabpete says:

      10:13am | 15/07/11

      What is up with that actually? I also just heard a radio ad for ‘BOQ’ (Bank of Queensland) which was voiced by a Kiwi (person, not the small bird). Why the fascination with banks these days to create acronym names?

      I can’t help but think Westpac is going to go all gangster on us soon with W-pac.

      I blame KFC for starting it all.  Or maybe the MCG, sorry, not short enough, The G. Aaaaarrgh!

    • Ben C says:

      12:14pm | 15/07/11

      @ Kebabpete

      One thing you must admit though, the MCG didn’t shorten its name for its own marketing purposes.

    • Tony says:

      07:11am | 18/07/11

      Nigel C says:09:42am | 15/07/11
      What have Asterix and Obelix got to do with a bank story?

      Good question Nigel. I’ll explain. First of all, I’m not talking about Goscinny and Uderzo’s classic Asterix and Obelix which we all enjoyed as children….but you were trying to be funny, and I did enjoy a light chuckle which was clearly meant to be at my expense. It was clever. What I was referring to in fact was the way the National Australia Bank promotes their brand. “We killed the asterix” ....as in, they killed all the fine print. It’s also an observational joke, as their logo appears as a red asterix. Adding to the light hearted humour is their well known acronym brand “NAB”, meaning to grab quickly without asking. I personally found this funny, and now that I have explained the joke to you, I’m sure you can enjoy my comment a second time round and possibly share it with friends.

    • Nelson says:

      09:04am | 18/07/11

      I think Nigel C was confused as why you said asterix (a cartoon character) instead of asterisk (*).
      Also, an acronym are initials that make a word, like nab. BOQ is not an acronym: just initials.
      I feel like a pedantic pedagogue… sorry!

    • Mike says:

      09:28am | 15/07/11

      I’m thinkin’ that anyone who CHOOSES to bank with ANZ deserves all they get.  I tried them twice, 25 years apart, and they screwed me over both times.

      Loved the story though!

    • John says:

      09:43am | 15/07/11

      Every bank account I have ever had has been dumped the instant they started charging me fees.  I have been with the ANZ;  I’m not now.  If they cared about what I think they would have acted accordingly, and would still have my business.  They don’t.

    • Brian says:

      09:46am | 15/07/11

      Of course Simon will take the opportunity to make more money, (don’t we all)but i"m sure the Bank gave him the script as they wanted it read.  What about the “crazy” Greater Building Society” ad with Jerry Sienfeld.  Shame NAB for wastiing money.

    • Joel B1 says:

      09:47am | 15/07/11

      Spot on Sharwood!

      I get a real conflicting message from his “buttoned up to the top, way tight vest” and his “open collar-no tie” look.

      I assume it’s “ANZ is tre kewl and hip, but your Nan’s money is safe with us”.

      It doesn’t work for me.

    • Anyone but says:

      09:49am | 15/07/11

      Two words - I. N. G.

      Not because of the Big Yin or that ridiculous orange monkey.. just because they are NOT nabb, commwank, anz or westpunk.

    • HappyCynic says:

      04:27pm | 15/07/11

      LOL 49% of ING Australia is owned by ANZ :-D

      So you bank with ANZ smile

    • Direct says:

      09:53am | 15/07/11

      I’ll believe the banks live in my world when they end the utter rort that is ATM Direct Charging.

    • Clinton says:

      10:10am | 15/07/11

      Very witty article and all very good points but one flaw I heard the g at the end of thinking every time. So I am thinking it is time you got a hearing test. Otherwise I actually really like the ad. And I am always up for words that end in “ive”. Such as live, jive and high-five smile

    • Malleeringneck says:

      10:13am | 15/07/11

      The banks are just like all other big business in this country.
      They are there to fleece you of your money while telling you they are giving you, the customer, what you want.

    • jay-ded says:

      11:15am | 15/07/11

      But they do it with a nice smile smile

    • SM says:

      10:25am | 15/07/11

      Join either the IMB, a credit union, or a building society.  If you have an account with any of the big 4, you only have yourself to blame

    • sneakers says:

      10:27am | 15/07/11

      And this is the reason I love my remote control.

    • Wilma J Craig says:

      10:51am | 15/07/11

      Mr Bossman of the ANZ Bank,
      Just how much did you pay Stephen Baker for this dreadful advertisement? $500,000? A million? More? Whatever you paid, even if it was only $10, it was far too much!
      Stephen may still retain some of his, fast-fading, boyish good looks but if this is an example “acting” then he has shown himself up as a very bad one! I know a 73 year-old who could do a better job. He has a very slight Australian accent. He actually lives in Australia & is quite handsome!
      This advertisement of yours is one of the worst, most phony, insincere one we have seen in many a long year - indeed it must rank as the worst TV advertisement since TV began in Australia 55 years ago!
      Why did you decide to use this ex-pat with his ugly American accent?
      If we want our children & grand-children to speak good English then this ad is sending the wrong message! OK some Australians, the majority do not, do drop the odd consonant, some even massacre it but they do it with an Australian accent!
      With no apologies, Mr ANZ Bossman, this ad is appalling. Please dump it & dump it fast for it is debasing the good name of the ANZ Bank.
      PS.
      Sonny B Goode, (& so you should be!) The problem that it isn’t the ANZ’s money but the shareholders & customers to whom they pay bugger all interest.
      In case you wonder; No, I am neither a shareholder nor customer.
      ING for me & I Love the silly monkey for he reminds me of my long-departed, he died, Harry for he too had natural red hair & all the other big bits & pieces so many male redheads seem to have!!!!

    • GB says:

      12:02pm | 15/07/11

      That would be Simon Baker, Wilma. Not Steven. Steven is the grubby little back pocket player for St Kilda.

    • David of Adelagado. says:

      10:54am | 15/07/11

      I’m thinkin’, why are men wearing vests again? They look ridiculous. What next, frilly collars and powdered wigs?

    • Zeta says:

      11:04am | 15/07/11

      This is an inelegant example of memetic piggy backing. When a corporation has more money than creative talent to create a marketable meme they piggy back on another with an inbuilt demographic.

      Take the Old Spice guy. That’s an example of an agency with boundless creative talent creating a meme that forces a demographic, in that case, male post-hipsters to adopt it.

      ANZ want to connect with a demographic, and in profiling it, have obviously found those people watch that show with that guy on it. By aligning their brand to that brand it makes a connection in the brain of the consumer that the bank aligns with their values. Consumer behaviour mimics that of primate play. Monkeys are easily stimulated by taking like colored objects and putting them in piles. Consumers do the same thing with their lives. You do the same thing with your life. I do the same thing with my life. You do it and you don’t even realise it.

      Those of us who pick the ad to pieces, we’re irrelevant. We’re not the target audience. We’re banking with that bank who all the other banks hate, because we hate everyone else too. Or that bank with it’s own bank managers, because we like talking to bank managers.

      There are people out there who really do like being told what to think. They usually become teachers, Police or members of the armed forces. They’re thinking, they need to be told what to buy in such a way that they don’t know they’re being told to buy it. They’re thinking, they need it presented in such a way that they think everyone else is doing it to. They’re thinking they need to be told they’re independent thinkers. They’re thinking, but they’re not thinking at all.

      And thanks to this ad, you’re now realising that for such an important act, the word ‘think’ is ridiculous. It sounds a gay man saying ‘sink’. I think having ‘thoughts’ sounds less inane.

    • Anthony Sharwood

      Anthony Sharwood says:

      11:20am | 15/07/11

      I only understood about a third of this, I think, but it made me glad I used a primate for an analogy in one paragraph, I think

      Hey good to have you back BTW Zeta. Where ya been?

    • Brendan says:

      11:27am | 15/07/11

      I think there may be something to this.  It sounds quite clever.

    • Outraged says:

      12:02pm | 15/07/11

      @Zeta: just because you use academic jargon with lots of syllables doesn’t mean YOU are not a “Consumer” too!

      I can’t stand smug people like you who talk about “Consumers” and “people” like YOU aren’t one of them! Yes you are! You get suckered into buyng crap just like everyone else…

    • John Howard's Sock says:

      12:29pm | 15/07/11

      @Zeta, yep I agree with you.  I actually have no idea what you are talking about, mind you, but it sounds sort of right somehow.  So yay!  Go the memes.  Or something.

    • Tony Bee says:

      01:41pm | 15/07/11

      I understood it, including the trendy yet incorrect use of “meme”. Here’s some more jargon for you: pretentious wanker.

    • stephen says:

      11:15am | 15/07/11

      Remember the GFC and how the press, especially in America, had itemized culpability by the financial sector and all citizens were waiting for criminal charges to be laid so that they/we knew who to blame ?
      What charges you say ?
      Quite, because no-one, as far as I know has been convicted or charged in relation to this matter that nearly brought down a massive society.
      People with money in America have been dictating all sorts of policy for too long and now they are looking down the drain-pipe, so before they start enquiring about the press and who has been doing what to whom, could the rest of us please see some Justice which you people like to lecture the rest of us about ?

    • Clayton says:

      11:22am | 15/07/11

      I’m still trying to figure how to pee into a wine glass, anyone’s wine glass.

    • Ginger Mick says:

      04:28pm | 15/07/11

      Start with a schooner glass, Clayton, and work your way down.

    • Womble says:

      11:32am | 15/07/11

      At least it is not as eye-scratchingly lame as the westpac deal with masterchef. Carefully showing a close up of the card with its logo everyone one of the contestants uses their credit card. Careful finger placement to cover the visa logo yet show the Westpac onw, and the utterly fake dialogue with the checkout monkey, “Do you take Westpac blah card”, “why yes we do”. Amazing, a Westpac Visa card can be used overseas!! Mind blowing stuff!

    • Alicia says:

      02:00pm | 15/07/11

      Wait, what’s this?! A Westpac credit card can be used in New York? Wow, they must be catching up with the times!

    • Sally Turner says:

      11:32am | 15/07/11

      I’m thinking you need a spellchecker and an IQ boost

    • Ben C says:

      12:24pm | 15/07/11

      “You’re thinkin that a nice Catholic boy like Simon Baker who’s made it big in Hollywood might at least go to the effort or pronouncing the “g” at the end of the word “thinking”.”

      Sally, I’m thinking you should read the above quote and think about your comment about the spell-check.

    • Sally Turner says:

      12:32am | 16/07/11

      when quoting smoeone who has spelt something incorrectly it is common practice to place the word sic in brackets after it. This was not done. You should read the Little, Brown Handbook.

    • Ben C says:

      12:17pm | 15/07/11

      At the time of writing this comment, the banner up the top of my screen was the ANZ ad.

    • John says:

      12:19pm | 15/07/11

      The problem with banks is the way they create and lend money. Lets look at housing inflation, lets look at currency inflation, lets look at the standard 95% loan leverage offered by banks. The system is corrupt. You have bank’s, i suspect the international ones creating money from thin air and lending it to nations, causing housing and currency inflation, stealing from legitimate savers with real money at a rate of 5%. They are creating huge debt bubbles, and walking way with their instant credit. We need to stop borrowing from international banks and their swindles, they are stealing wealth from every country they lend to. We need a national bank and government that can protect the savings of the people, inflation needs to be kept at close to 0%. We also need to stop 20 - 30 year loans and create maximum of 5 - 10 year loans.

    • S.L says:

      12:24pm | 15/07/11

      After selling one of my businesses and with the exception of inheriting a small overdraught with another I took over I find I’m in the rare postion of being debt free. I found banks seem nice when you are in a few hundred thousand in debt but when you pay everything off they fall over themselves to get you back into debt!
      Want to go on a holiday? Want a new car? OH JUST GO AWAY!
      I think I’ll pay cash for everything for a while!

    • Darren says:

      12:27pm | 15/07/11

      This ad drives me insane, for all the reasons mentioned here and more. But, I’m happy to tell the ANZ what I’m really thinkin, and that is: hello Bendigo Bank.

    • redvixen says:

      12:33pm | 15/07/11

      I’m thinking that peeing in the wineglass of an ANZ banker could cause problems for me.  Several members of my family are ANZ bankers.

    • CHA says:

      01:17pm | 15/07/11

      I think that all Bank staff should stand in front of a mirror and realise that they are no one special and tell themselves to stop being so far up themselves.

    • Hermi says:

      07:04pm | 16/07/11

      Bank workers get paid a little higher than minimum wage and most try to give the best service they can while the larger company makes the decisions. They also receive a lot of pressure from the companies who are very target driven. Don’t be so ignorant. I’m sure you are one of the people who abuse the front line staff when the interest rates go up. Most have mortgages too and don’t receive special discounts.

    • Drew says:

      01:44pm | 15/07/11

      I almost throw something at the TV when this ad comes on. This pretentious B grade Aussie actor with an American accent telling us how in love we are with the ANZ, oh please! I have never seen a good bank ad ever, the CBA ads are even more arrogant and out of touch.

    • John Smythe says:

      02:01pm | 15/07/11

      You realise his real name is NOT Patrick Jane right?

    • voodoo says:

      01:44pm | 15/07/11

      banks create “credit” out of thin air, it’s money that doesn’t exist, they then “lend” it to you and make profit on something that never existed in the first place.  If everyone in Australia went to their local bank right now and requested to empty their accounts there would not be enough money to give every person their money back.
      If every person with a certain bank just “came together” closed their accounts then they would in turn control that bank, because really, it’s the people who control the money, they just hand it over to the banks for “safe keeping” that bank then uses your money to give to other people, to buy private jets, pay bonuses and go on holidays with.

      Tired of your bank always upping prices ? take it to another bank, if enough customers leave a certain bank that bank would have no money left and would be forced to either close down or offer much more competitive prices.

    • Richard says:

      02:21pm | 15/07/11

      Voodoo, that is just not true.  You can’t create money out of thin air unless you are a central bank.  You need to understand the difference between liquidity risk and credit risk.

      If you think that you know about banking because you read an article on Wikipedia about fractional reserve banking, think again.  And if you don’t know what you are talking about, why are you commenting on the topic?  It would be like a banker offering a doctor advice.  You don’t see that, do you?  And yet every numpty member of Joe Public thinks they know how banking works and is qualified to offer criticisms.

      How boring - you are just displaying your own ignorance.

    • John says:

      02:36pm | 15/07/11

      I beg to different, i don’t think the problem is with in local banks, the problem lies with who they borrow from. These are most likely central banks in the Europe, UK and the US. I believe these banks are creating money from thin and it lending it to foreign nations.  Look at Australian mortgage market, 50% of loans come from dubious sources It’s like 1 Billion dollars of mortgages?. It makes sense also, if you look at the housing market, currency inflation and the average joe that works and works and never seems to get anywhere. It makes sense that central banks are creating something from nothing and receiving back, the wealth from the average joe that they don’t deserve. Its keeping everyone in work, jobs, getting everyone fed, but it’s hardly getting them know where. It’s in reality a form of slavery. Australia needs to starting printing it’s own money, instead of allowing international bankers that privilege.

    • John says:

      03:07pm | 15/07/11

      So in a sense, if nation wants to expand it’s currency, its needs to go through a private international bank. This basically means huge amounts of wealth is transferring from nations to international private banks. If you look around you see nations with huge debt bubbles, every nations seems broke, and is always owing money to someone! You should to who? I think we know who. The reality is these banks making huge profits, and leaving a toxic waste behind. Nations are going bankrupt. The come worker is getting sick of working and getting no where also.

    • Richard says:

      05:51pm | 15/07/11

      John, you too clearly know nothing about banking.  The sources of funds which banks have are all clearly set out in their public reporting.  The significant majority of their funding comes from their shareholders, Australian depositors and Australian investors including fund managers, insurance companies etc.  The remainder comes from overseas investors but these are not magical evil private international bank.  Australia does print its own money.  Geez, why do people feel the need to carry on about something complex which they don’t even vaguely understand?

    • John says:

      07:03pm | 15/07/11

      Richard 50% of mortgages are funded via overseas sources. If someone can give me books to find where the money is coming from so that i can debunk my own theory. Where is the information? who are the investors? Which country’s? Who is funding the overprized real-state market here in Australia?

    • James says:

      02:03pm | 15/07/11

      Completely agree. I was sceptical enough when they changed the slogan to “We live in your world”. Perhaps should have been “We own your world”.

    • mike j says:

      02:21pm | 15/07/11

      Note he never actually says ‘ANZ’. He says ‘your bank’ and ‘them’, but not ‘ANZ’. And all the ANZ branding is digitally superimposed. Did he even know he was doing an ad for ANZ, or did he just film a generic one and flog it off to the highest bidder?

    • Dodo says:

      02:38pm | 15/07/11

      1. It’s easy to avoid banking fees so get over it.

      2. Banks also pay you money for doing nothing. If you’re willing to work to turn your $1 into $1.05, then go for it.

      3. Banks need to make a profit - just like any other business. The only difference is that the banks probably employ more people, pay more tax and contribute more to charity than other industry.

      4. I’m thinkin’ that when journalists keep going on about the unfairness of banks they themselves are scraping the bottom of something for their own personal gain. Sort of like an unoriginal, boring and syphilitic baboon scratching its enormous pink backside.

    • Ron says:

      02:39pm | 15/07/11

      Is this the same ANZ that refuses to allow customers access to internet banking from within their own branches. Did the teller behind the counter know what I was thinking when she said I would have to go hunt for some free internet to do my banking. I’m supposed to believe that in a branch with me as the only customer not a single computer can access ANZ’s own banking website. The same ANZ whose only response to my complaint after 3 weeks was thank you for your complaint we’ll be in contact in the next 3-5 days.

    • Psychic says:

      02:47pm | 15/07/11

      Stupidest ad ever. I was only pondering this last night. WtF does all that guff he blabbers even mean??!  Non-sensical garbage. If you don’t live in our world, where do you live?! Jupiter? pffft.

    • PM says:

      03:01pm | 15/07/11

      Im thinking ANZ should maybe think about catering to their non-iphone owning customers and develop mobile banking apps for other smartphone os

    • glen says:

      03:20pm | 15/07/11

      could the reason be the ad looks odd is, he has done so many takes for the different countries ? have a look at the hongkong version. same location, different extras, almost looks like people walk through him, maybe its even the same footage and its all done with a greenscreen ?

      http://www.youtube.com/watch?v=xCMVP6NlbPM

    • Ned Kelly says:

      04:00pm | 15/07/11

      I’d be happy if ANY bank didn’t charge you an arm and leg for a Automated Computer Service or doing a Service that takes 5 Minutes. Basically NOT ripping off their Customers to the Tune of 5,000,000,000 bucks a year in handling Fees.

    • Adam says:

      04:47pm | 15/07/11

      I have no problem with my bank, so I cant understand this national pasttime of bank bashing.  What am I missing out on?  I dont pay fees, havent over borrowed, shop sensibly and have adequate insurance.  Should they be giving my $50 every week?  Is that it?  Come on you meeeaaannn old bank.  Gis me money that I deserve.. apparently.  I just dont get it.  I complain about Telstra because they are seriously hideous in every aspect.  Perhaps its just a media favourite to whinge about banks, or perhaps it keeps Choice magazine in cookies and cream.

    • Richard says:

      05:02pm | 15/07/11

      I’m thinking what the hell does “bingo you’re plugged into anything anywhere in the region you want to be” means?

    • Maaaaark says:

      05:04pm | 15/07/11

      i’m thinking who the hell wears a three piece suit these days. Banks really are out of touch!

    • Kel says:

      02:36pm | 16/07/11

      He wears that stupid 3 piece suit in his stupid show that makes me want to tear my hair out! My husband loves the show, I think his character is a wanker that I’d want to stab if I met him!

    • Level380 says:

      05:30pm | 15/07/11

      Its not a flower in the logo, its a upside down pig. Turn the logo around so its upside down, and you will see the true logo. A pig!!!

      Its funnyy that the anz bank is a greedy pig, but like the logo!

    • David Smith says:

      09:23pm | 15/07/11

      What relevance does Simon Baker have with Australian Banking ... None Considering he now resides in the US.

      What Australians would like to see is some honest banking advertising.

      Banks should advertise what they are good at.. kissing the butts of individuals and business with money and treating the rest of us like trash!

    • Anne says:

      10:08pm | 15/07/11

      I’m thinkin that I got halfway through this and got bored and all I can hear is blah blah blah blah

    • Mike Brewer says:

      11:40pm | 15/07/11

      The whole concept of having an Australian spruiking an ad in an American accent to an Australian audience is just bizarre. Yes I get that they wanted him in character and the accent helps ANZ’s push into other markets, but really?

    • tfff says:

      07:20am | 16/07/11

      people in aust are so niave, always thinknig we’ve got the best - we get ripped off. go to the uk and you get free banking and free atm withdrawals from any bank.

    • OchreBunyip says:

      09:33am | 16/07/11

      Have they changed the ad? I listened to this last night and I could hear the g’s being pronounced…but I’m not sure if it has been redubbed.  Considering banking behaviour, is it really surprising they are so out of touch with their customers?

    • Shane says:

      10:03am | 16/07/11

      Banks are penatrative and we’ve all felt it. Its just a shame you feel like curling up in the foetal position in a bath tub afterwards.

    • Adam says:

      10:37am | 16/07/11

      what i was thinking is why do they need some burnt out hollywood actor to tell us what we are thinking. look how badly his country is going!!

    • brian says:

      11:41am | 16/07/11

      At least they could have gotten someone with an aussie accent. Hang on, the yanks have stuffed their country and they get a try hard yank to give us advise. Glad I got out of the banks into credit unions.

    • Melissa O'Garr says:

      12:04pm | 16/07/11

      Fake ad, fake accent - I hit the mute button every time it comes on.
      Nothing this bank ever says would make me go back to them after the DISGUSTING service I had from them previously.
      I can’t believe that a bank would treat their customers like three year olds!
      Whoever does their market research needs to be FIRED!
      This bank only ever got it right (ad-wise) with their robot on the phone saying “your call is important to us” NOT
      They don’t care about their customers at all - this sudden display of supposed empathy - just leaves a bad taste in my mouth.

    • bankless says:

      12:51pm | 16/07/11

      During the early nineties when things were a bit tough I went into the local bank and I noticed they had lollies and cake on the customer side of teller cages. I asked the tellers whos’s farm did you sell today? My remark appeared to upset them as they called the bank manger out of his office. He told me in polite speak to F———-off.

    • Mark says:

      04:37pm | 16/07/11

      Gotta remember mate tellers are people too, and they take pride in their business.  How would you feel if you came in with a large deposit and they asked you who’s house you robbed today, or who’d you sell drugs to today?  Same basic idea, and it’d probably upset you too.  Rage at the bank, thats fine, but the people you directly deal with are not the culprits (unless they give you bad service!)

    • The Truth says:

      01:31pm | 16/07/11

      I read the article…damn it…waste of lifetime but well written…125 ppl left msg..make it 126…interesting ad; don’t bank with them and won’t bank with them…money is evil control of ppl on this planet and banks are just like a hells pit…and to think i used to work for one…which bank?...ye that bank….can’t wait for worldwide financial collapse when money becomes meaningless and ppl who have worked 9-5 to pay for clay and plastic homes and interest on interest will just look like ...well..horse manure?

    • readit&lovedit; says:

      01:43pm | 16/07/11

      Anthony Sharwood…...what a wordsmith!

    • AKoiLus says:

      01:55pm | 16/07/11

      When seeing this ad I’m left wondering wtf was Simon Baker thinking? Then I’m thinking not one point ANZ presumes to know about me is correct. So I’m thinking this ad is so bad it has me thinking of ‘Friday’. Did they hire the guys who dreamed up the remake of Bob Dylan’s “Friday”?  Friday Friday Friday Remember in advertising it’s not about how good the ad is. It’s whether you remember who the ad was for, so in that respect the ad people win. Yet would this person seriously add this piece of work to their portfolio. I’m thinking not. Whether I’m right or not is not important. I think the ad’s creator now knows I think their work is sh*t. Think about it! Now I’m back too thinking wtf was Simon thinking!!!

    • ohsenseewiseonenotafool says:

      02:05pm | 16/07/11

      EVeryone has a valid point dependant upon their personal situation.  At the end of the day we are more and more trapped with less competition to change to.  All competition has done is create more and more products with so many different benefits to confuse you and give you the same rate eventually or slightly lower cost than the competition.  I suggest, have your fixed costs come out of your pay, then withdraw enough to see you through the week and store what you don’t need right away in a hidey hole .... then they cannot track your spending , big brother is watching , recording and charging us all.

    • Chris L says:

      02:26pm | 16/07/11

      I work for a bank that outsourced their processing a couple of years ago. The number of mistakes has shot way up, and the level of customer satisfaction has plumetted. On the other hand the board of directors get to keep more of the profit rather than paying the unjustifyable expense of paying Australian workers (why should they have enough money to enjoy their lives? They’re not rich so they don’t deserve the money!).

      Please remember this is not the fault of the person at the branch counter or on the other end of the phone.

    • Mark says:

      04:39pm | 16/07/11

      Your story sounds all too familiar Chris.  We probably work for the same one!  Rather disappointing and us here at the branches are working very hard to compensate for the mistakes made by outsourcing.  I never agree to outsourcing and suggest every customer who has a problem with it write a written complaint to the bank.  Might not work but maybe one of the brass will see this and maybe we can get some of the critical services back in australia

    • Lake says:

      05:04pm | 16/07/11

      Haha. You work for ANZ?

    • Fiona says:

      02:39pm | 16/07/11

      All I know is that I will NEVER bank with ING as long as they use that revolting orangutan thing in their advertising. ‘Clive’ makes my skin crawl! It’s just creepy!

    • Mark says:

      04:16pm | 16/07/11

      People who complain about bank fees either bring it upon themselves, or would complain over the price of a happy meal.  If you are paying too much in bank fees, talk to your bank, and realise that you are paying for services rendered.  Not just the person infront of you when you open your account is who needs to be paid out of your account fee, but there are dozens upon dozens of people who manage your account, follow up problems and ensure the smooth running of the ATM network and systems.  If you think you should pay nothing for your account, where do you think the pay for all of these people comes from?  Honestly, if you are paying too much in bank fees, visit your bank and speak with them about better options.  Service on another hand is a whole other kettle of fish, and I agree 100% that better service should be demanded from your bank.  And I am speaking from someone who works in a bank, and works to offer the best service I can in lue of the overwhelming negativity that is presented to me.

    • John Ladyman says:

      08:01pm | 16/07/11

      In australia we have only have one bank with four names, they all do the same thing all be it at slightly diferent times to give the impression of independant thinking.

    • Sam Sothers says:

      09:45pm | 16/07/11

      The “flower” logo looks like person screaming with the pain from stupid fees and charges, while waving their hands in the air trying in vain to get the attention from a service person in branch…

    • Mickey says:

      10:02pm | 16/07/11

      ANZ stands for “A Natural Zero” which is exactly how much support you will ever get out of them.

    • david says:

      09:37am | 17/07/11

      Why doesn’t Simon Burke look at the camera in that ad. I found it really spooky!

    • laura says:

      10:45am | 17/07/11

      I’m thinking, if the bank lives in my world, they would open late once a week (at least til 7pm, for gods sake, the US has DRIVETHRU banks!) and ALL banks would open saturday morning, not just a scattered handful an hours drive apart. i’m thinking CBA wouldn’t have a net saver account with 0.75% lower interest than bankSA.

      but they dont live in my world, so none of that happens.

      don’t even get me started on post offices

    • dan says:

      02:30pm | 17/07/11

      david - because bankers are shifty they can’t look you in the eye!

    • A SME owner says:

      06:26pm | 17/07/11

      I didn’t have to think hard to take my business from ANZ to a much smaller and more service driven bank that serves my SME business much better and much lower fees.

    • Luke says:

      07:15pm | 17/07/11

      I’m thinkin reading this article took 5 minutes of my life I will never get back.

    • g says:

      09:43pm | 17/07/11

      Understandable, but with regards to the latest add for ANZ I know that Simon BAker uses an American accent because it is not Simon Baker doing the advertising, it is his character from the mentalist. Something you woul realise if you took the time out to actually listen to the add.

    • PlanetCraig says:

      09:59pm | 17/07/11

      An interesting tweet from an expat living in Vietnam . . .

      So what is the difference between bankers and mobsters?  “@tomosaigon: I was charged $14 to use ANZ’s ATM in Phnom Penh.”

    • andy says:

      10:27am | 19/07/11

      did anyone else notice that the add was made for Asia and not australia..? No references to being in Australia.. The reference to “your region” rather than “state”... and the follow up adds that contain only anglo looking asianics (check out everyone in the background).......? dodgy….? yes.

    • todlovesnab says:

      05:54pm | 26/08/11

      This ad is patronising in the extreme, I agree.

      Now, NAB on the other hand, there’s a bank that one could love - did you know they dropped $300m in profits by removing their overdraft fees on cards and accounts?

      Seems there was substance to their break-up campaign. And no, I don’t work for them - I just want to give them some love for actually putting their money where their mouth is.

 

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