I've done the competition thing, except for the fact that the big five banks dominate the competition by branch level. They also have a monopoly because in Brampton East the big five are everywhere. You're going to go to a bank that you can walk to, that you have a personal relationship with. The banks are super clever. Do you know why? When I go into my branch, I can speak Punjabi. I can speak Hindi. I can speak English. It's really easy. If I were a teller and a senior came in and I was being paid based on bonuses, do you know how great my bonus would be because my Punjabi is so good? It would be phenomenal. That is something on which we need to do a better job.
On May 28th, 2018. See this statement in context.