Fitch Ratings has removed the "rating watch negative" on Investec Bank (Australia) and affirmed the BBB- long-term rating on the bank. Fitch said the recent sale of A$270 million in "legacy commercial property loans led to a significant improvement in asset quality" while "the sale did not materially impact the bank's existing strong capital and liquidity positions despite being undertaken at a significant discount to book value." The sale of these loans at a discount was the major factor in the bank's full year loss of A$72 million in the year to March 2012. Rams Financial Group has changed the advertising for its savings account after the Australian Securities and Investments Commission said it was potentially misleading. Rams did not give enough prominence to the conditions that apply to the bonus rate on its Rams Saver account. The ads did not disclose that the monthly bonus rate would not be paid if the customer made withdrawals during the month.