Banks have always been competitive. That part is not new.
What changed is the client.
They are online more.
They see rates everywhere.
They walk in feeling informed before you even speak.
Renewals being up does not mean you win.
Booking the call is the easy part.
Controlling the conversation is not.
If you cannot clearly add value, manage the process, and position yourself against retention teams, more volume will not save you.
The opportunity is not more renewals.
It is better skill inside the renewal.