A homily from David Gonski at Bluenotes yesterday is a start.But when it comes to releasing in full the self-assessment ANZ supplied to APRA nine months ago; the bank has no choice but to take this step, however compromising the content.ANZ was one of three big banks, along with Westpac and NAB, slapped with an increase in their minimum capital requirements of A$500 million each, a decision announced in early July."The capital add-ons will apply until the banks have completed their planned remediation to strengthen risk management, and closed gaps identified in their self-assessments," APRA said at the time.Gonski's little essay at the bank's PR portal takes an optimistic tone, but leads off with defiance on the most critical issue facing the bank."There has been some attention given to the fact ANZ has not released its self-assessment," ANZ's chair noted."APRA requested these self-assessments on a confidential basis to ensure institutions responded in a way that was full and frank. We have respected that request, as well the fact that people contributed on that basis, and will continue to do so."Gonski goes on to make clear that stubbornness is characteristic of the bank's endemic weaknesses."We have also identified three core areas requiring additional board involvement. These are 'short-termism', complexity and accountability," he wrote in a section headed "Board oversight".Gonski asserted: "We are determined the Board will improve the way it questions management - and itself - in relation to the question of our long-term ambitions. While many Australian institutions like us have a tendency to focus on the short-term, that is no excuse."In terms of complexity and accountability, while the Board acknowledges the work committed to these issues by management, the Board will keep pace with these matters and provide effective oversight of management's work and progress. "It is proposed management will report quarterly to the Board on progress in relation to the actions in the roadmap."He said that "as a Board we commit to having a detailed review of the Board's charter and the charters of its principal Board Committees to ensure they provide clarity to the Board, management, and external stakeholders around the involvement of directors in the specific matters raised in the self-assessment and the roadmap. "This will be completed, including making any necessary changes, by the end of this calendar year and I will provide an update at our Annual General Meeting."Gonski's compressed, 300-word version of the self-assessment is here, in full.