https://www.dianomi.com/click.epl?pn=141310&offer=35931783&savid=368901&can_cookie=1&unique_id=aOz_ulBQtlfGKLdeCWFPtAAAABg&adv=75916&said=71495&cf=456.3057.Hotcopper&smartreferer=https%3A%2F%2Fhotcopper.com.au%2Fthreads%2Fann-credit-bns-fitch-ratings-review.1659377%2F%3Fpost_id%3D9618179