Taking a regional (bank) tour - part 1

Regulatory changes are making the regional banks more competitive with the big banks, but other problems remain.

When you next take out a mortgage, will you be swayed by the bank's brand or the 'personal service' you receive – or will you just go for the product that saves you 0.1% per year? For most people it's likely to be the latter and the same applies if you're instead looking for a term deposit, business loan or credit card. The similarity between different banks' products means they compete primarily on price, such as offering higher rates on deposits or lower rates on loans, and this makes banking your typical commodity business.

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