This report provides a detailed analysis of the behavior and structure of ANZ Bank, focusing on the challenges posed by lending demand. It explores the observable symptoms of this issue, including low motivation levels among potential borrowers, high worker turnover, and increased client complaints. The report also delves into the theoretical underpinnings of lending demand, examining the credit creation and fractional reserve approaches of banking. Furthermore, it identifies the deterioration of service quality as another symptom. The report then proposes an intervention strategy centered on modifying the remuneration approach, aligning incentives, and strengthening protections for clients. The analysis considers the implications of the "Banking Code of Practice" and the development of a "Vulnerable Customer mandatory learning module" to address the identified issues. The report concludes by emphasizing the need for ANZ Bank to adapt its strategies to overcome the challenges in lending demand and maintain a strong financial performance.