In doing so, it has helped St George to prepare for life after Ms Kelly if Westpac or, less likely, ANZ move to appoint her to succeed their outgoing chief executives Dr Morgan and John McFarlane, who both leave in seven months. In the meantime, Mr Norris has the headache of filling a large hole in his management ranks with Ross McEwan, who is acting head of the retail business, and institutional banking boss Stuart Grimshaw, the leading internal candidates to replace Mr Cameron.