We ask the chief executive of ANZ, the country's biggest bank, with the country's biggest rural portfolio, if farmers are getting a fair deal when it comes to risk margins for rural lending. And is the rural and business book subsidising the more competitive residential portfolio? Is the Reserve Bank unfairly penalising banks by making them hold more capital against rural lending? How riskier is rural lending than residential? 

See omnystudio.com/listener for privacy information.