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I can't help but wonder if the deposits, home loans and...

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    I can't help but wonder if the deposits, home loans and insurance risk profiles are quite different.
    One of the disadvantage of the larger banks is the political damage from refusing home loans to demographic X (whatever X might be).
    also: in order to become & stay the biggest, they have to take on a larger % of the home loans, even if prudent management says no.
 
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