A harsh self-appraisal of the recent fortunes of National Australia Bank's business banking division received a work out in Fairfax Media over the weekend."We had under-invested significantly in this franchise," Angela Mentis, group executive, business banking told the Sydney Morning Herald."We had under-invested in the capability of our people, we had under-invested in the capability of the services, the basics. We had lost good people, we had lost market share, and we had lost our focus."One curio in the interview points to a legacy of backward methods as one constraint.Mentis said NAB was trying to "industrialise" processes within the bank that were previously done through "manual spreadsheets".