I'm telling you why CIBC is doing so well. They keep laying off good people in favour of technology. 

My neighbourhood branch is eliminating all in person banking as of this month, and replacing it with virtual terminals where you can do all your banking essentials, except the ones that you can't do at home using online banking (thus making it obsolete, as those services were the ones that would make most people go to a branch anyway). Now instead of a nice walk to the branch, I have to drive over 10 km to the closest full service one. 

Nice move, CIBC. So glad that you are not my main bank anymore.