Yep, over the journey, there has been execution risk around change management. Overall, they have benefited from change and technology but there has been poor execution here and there. Some of the compliance costs and issues have come from inadequate systems.
All of that.
And then add into the mix that we are no longer content to stay with the same bank over long. We have more of a mind set of comparing and shopping around. Hence the costs of competition. These costs are real and feed into NIM.
We took on our home insurance when we took on our home loan. It was either locked in or we didn't think to shop around with that either.
We trusted banks with financial advice. It was a good little earner. Now?
And etc.
IMHO DYOR
Yep, over the journey, there has been execution risk around...
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