Just out of curiosity, why do you refer to it as "loserbank". Im not involved in banking industry, but compelled to know your motivation. IMO ASB is my loser bank!
Because a majority of their customers will be always hovering around zero dollars, and they have eliminated fees which is the only way to make money off them, hence it will always loose money.
They lose NZ post money clearly from the dire position that nz post is in now.
So you would rather the people on low incomes had no banking at all??