I am going to bite my toungue and try stay out of any detail in here for 2 reasons.
1. Based on this last post I can foresee a whole bunch of ignorant and uninformed posts following
2. I work for one of these demon banks who will enslave you for life
Leave you with one thought. If our banks were making the sort of profits our european counterparts are making where would our country be right now ?
Our strong financial institutions are a big reason our country avoided the GFC and financial melt downs occurring all over the world.