After all they have cost us through mis-selling, bailouts and questionable business practices surely customers should now expect good value and service from their banks.
Yet today Britain's big new competition watchdog (CMA) says banks are not delivering for customers.
So what will be done about it?
Another set of officials will spend even longer looking into the issues. Do we really need another report?
I've looked back and found we have already has plenty: The Office of fair Trading, The Competition Commission, Parliamentary Commission, FSA and Bank of England have all done similar reports.
Is it not time to have fewer words and more action?