Australian households, or the subset that banks with Commonwealth Bank, live precariously, two surveys commissioned by the bank show. One study found 56 per cent of bank customers believe they do not have enough savings to handle a temporary loss of income. Of this, one in three "could not quickly access A$500 in cash or credit, on their worst day in a given four month period," the bank said. ACA research conducted the survey of 1000 respondents. The Clean Energy Finance Corp said it appointed Ian Learmonth as its new chief executive, replacing Oliver Yates. Learmonth currently leads the Impact Investing team at Social Ventures Australia. He has also served as an independent member of the CEFC Executive Investment Committee for the past nine months. MyState said it appointed Melanie Rottier to MyState Bank's newly created position of Customer Advocate. Rottier will report to MyState's chief risk officer, Mandakini Khanna. Rottier joined MyState in 2008 and served as operations manager until last year. Police Bank in NSW said it appointed former AMP executive Clare Mazzetti to its board. Mazzetti is also a non-executive director of the Australian Shareholders Association, She worked as head of business development and M&A strategy for AMP from 2009 to 2012 and was "Private Wealth manager" at Macquarie for three years to 2009.