11.   The bank attributed the improved results to strong growth of commissions from fund management as well as better income from other traditional banking and insurance products and services.

12.   The financial services sector is seen as a growth industry worldwide, while traditional banking is not.

13.   The key is to focus on a set of customers and try to meet all their needs, from insurance and securities to traditional banking, Labrecque said.

14.   With traditional banking, access to most banking services is reserved to branches.