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I've worked in banking for 20 years, but recently got out, and I'm sorry to tell you that customer loyalty means absolutely nothing to a bank. Remember, a bank is not a person, it only consists of the ambitious who just want to deliver good figures and results to their superiors so that they can guarantee a bonus. And then there's the lower down workers who at the end of the day just want a wage. Much more happy now in retail where customer loyalty means everything to a business.