Banks has little growth in net profit, page-25

This all sounds like a mildly pointless argument?
My feeling is that it is not.
If it is not , and interest rates are about average , then they may not fall anywhere as much as we might hope from here.
This has significance not just for bank profits , but for asset prices, including share prices .
Maybe the new normal( or a return to the old normal ) might be a cash rate of 3% and mortgages of 5%.
I am heavily into all the banks , but are bank shares the asset class to be in?
If not , what else?
Now I am old and lazy , so I will probably stay as I am , but if I do , anybody's side by side analysis of why one bank rather than another would be interesting.
cheers