kasi siga yung top 3 banks (Metro, BDO, BPI)

they have this attitude na mas kailangan mo sila kesa kailangan nila ikaw

they don't have to please you

ang ibang bangko (like yung example na UCPB) they're competing with the big 3 so they have to do something the big 3 arent doing

kaya they make an effort to please