Ann: Appendix 4C - quarterly-SBB.AX, page-13

Plough, HSCB deposit rates for a savings account are 0.3%, one year 1.75%. You would think for $millions you would negotiate a lot more, 0.5% more? So still a gap. It doesn't have to be a conspiracy, It may may be simply a negotiated exchange for transactional services for their business depending on how it is structured.