Originally Posted by Post Scriptum

And they also get bunch of prospects for other bank services, i.e. know exactly financials of the card customers and can try to poach them to private banking etc. Too bad loan market in Finland cannibalized itself with close to zero margins as they can not really offer anything for person with significant mortgage on small margin. All the private banking services are bit pointless if one needs go pay substantially more on loans and Aktia can not convince them managing assets so much better to cover for the difference. Naturally today the small difference in margin is not so relevant when euribor is again normal but thenagain, some margins are just something they are not even able to match anymore