nickoo,
Very well reasearched. Top marks imho!
What you have not alluded to is that the majority of customers in the bush are taking out accounts even if it is more expensive as they are offering a "service" no other large bank is prepared to offer. Even more so because the majors have taken their ONLY branches away!
This in itself has bred a hatred that stems deep throughout Australia and will continue for a long time yet imho.
Bendigo Bank will be the star performer among the regionals. WBC & NAB will be the star performers among the majors.
All said these are briliient times to enter banks undoubtedly. They are about to anihilate anyone short imho.
God bless the banks and good luck out there!
fergl
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