Definitely, cba not only just uncompetitive but also they are...

Definitely, cba not only just uncompetitive but also they are operating on a business model that pivots around customers are idiots to think the portfolio is safer with a bank and easier to pull money out.. all four banks will lose their customer base to low cost brokers, you can find plenty of such examples around the globe.. one I started using from start up was Zerodha which went from zero to No1 in 7 years. Cheers