Around the time Spain joined the EU. Spain had the largest number of branches per resident in comparison to other EU member state. They were ineffecient, top heavy & non profitable. The report also stated that most Spaniards did not have a bank account and if they had to have an account it would be the one nearest to their home’s or place of work.
Near my apartment in CDS one of the Bank premises had been lying empty for a long time. I spoke to my Gate keeper/Portero as to what does he think should be opened on the Banks empty premises. The Portero is a short, chubby, tooth less about 80+ as stereo type as you can think of a Manolo. He replied instatly “hombre puti club !!!” with a very straight face.