opes clients can cause anz to lose 100mill pa

Like many Opes affected people, I have recently closed all my ANZ bank accounts and will NEVER do business with them again.
In doing so I wanted to estimate the business ANZ lost through my action and was suprised by the outcome.

Between myself and my wife we had:
-2 Savings acounts total $15k
-Credit Card $3k average monthly balance
-Home Loan $180k

So I'll take a stab at calculating the ANZ annual lost revenue (these are pretty rough so anyone with more knowledge on hos these things work please let me know)

Savings Accounts
----------------
I should have paid more attention to the money we had in savings accounts leaving your money in them is losing money. Check these rates, like most banks out they are scandelous:
http://www.anz.com/aus/RateFee/InterestRates/Rates.asp#Section500

So they pay me nothing for my money (and charge fees to boot) while they lend my money out to others at roughly 20%. But they don't just lend out $15k they can lend out 5 times that value due to the magic of Fractional Reserve Banking (see http://en.wikipedia.org/wiki/Fractional-reserve_banking to see how this scam works). So, based on my deposit the bank can write a loan to someone of $75k...lets say at 10%pa that is $7.5kpa in revenue and they don't pay me a cent.

ANZ Lost Revenue: $7.5kpa

Credit Card
-----------
Yeah..yeah...I should keep a zero balance...but it tends to sneek up on you.
Average interest rate 12%

ANZ Lost revenue: $360pa

Home Loan
---------
$180,000 home loan at lets say 9.5%. Assume my they source their funds from wholesale market and could be paying anywhere from 7.25 to 8% for their money. So lets just say they are making 1.5%pa on every dollar
ANZ Lost Revenue: $2700


All up ANZ have lost $7500 + $360 + $2700 = $10,560 in revenue each and every year

So if every Opes client and convince 10 of their friends to do the same we have:

1000 x 10 x $10,000 = $100mill in annual lost revenue for the ANZ


I already have my 10 between family and friends.