2 TARGETS The target is to provide a personal banking service by means of the principal engine of their business: the offices, offering to the personal banking clients the treatment commonly offered to the private banking ones. The principal business of Spanish banks is the commercial banking or retail banking, which they complement with other global businesses: private banking, investment banking, corporate banking, asset management, insurances and treasury. Nevertheless, the large dimension and typical complexity of this channel added to the apparent lower financial capacity of the client -potential profitability for the bank- has meant that the effort made towards a personalized financial consultancy is not generally extended to offices. The aim of the financial entity was t

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