Another Misunderstood Spin-Off, page-77

The 5% fall is to be expected on a day like today following the bank’s Capital Markets Day in London. Mike King in MF states in his regular column in fool: that fool.com.au/2016/09/14/why-these-4-asx-shares-got-crushed-today/ "in its presentation the bank was enthusiastic about its medium-term prospects and believes it will deliver double-digit return on tangible equity by the end of FY 2019, one year earlier than originally planned. But in the short-term things aren’t looking so great. The bank lowered its loan growth prospects and indicated it may take a year longer than previously planned to free capital from its balance sheet."

You cannot really get more of a summary than that IMHO.