Commonwealth Bank CEO Matt Comyn's critique of his predecessor extends far beyond blaming Ian Narev for customers being sold useless insurance. Mr Comyn has declared Australia's largest bank has not had the right leaders - until now. Seven months into his stint in the top job, Mr Comyn has presented himself at the banking royal commission as the right person to change the culture at CBA after a series of scandals. Has CBA had the right leaders in the past? "No," was Mr Comyn's frank response on Tuesday. Does it have the right leaders now? "We will see," he said. "I hope so. Yes." Mr Comyn told the inquiry he repeatedly lobbied to scrap consumer credit insurance products during his time as CBA's head of retail banking. He had a "robust discussion" with Mr Narev a month after an April 2015 audit revealed 64,000 CBA customers were sold credit card plus insurance when they were unemployed and therefore ineligible to make a claim.