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Daz I don't know what the banks profit margins are over their costs and you don't appear to have answered the question either. People accuse the banks of making such large profits without putting those profits into context. Why is it wrong for any business to make a reasonable profit and why...

These are just numbers. What's their actual return on investment? How much capital do the banks have in the market? Is the profit 1%, 10% or more?

St George cut back their discounts in December, Bank of Melbourne brought them back yesterday (although St George didn't).