One improvement

{"cards":[{"_id":"4400a850b609d88ee900001d","treeId":"44009914b609d88ee9000017","seq":135989,"position":0.5,"parentId":null,"content":"**Lower margins**\n\n`4`"},{"_id":"4400a8f0b609d88ee900001e","treeId":"44009914b609d88ee9000017","seq":135933,"position":1,"parentId":"4400a850b609d88ee900001d","content":"higher loan:value and lower margins.\n"},{"_id":"4400a951b609d88ee900001f","treeId":"44009914b609d88ee9000017","seq":135934,"position":2,"parentId":"4400a850b609d88ee900001d","content":"Provide real estate finance at low margins \n"},{"_id":"4400a9b2b609d88ee9000020","treeId":"44009914b609d88ee9000017","seq":135935,"position":3,"parentId":"4400a850b609d88ee900001d","content":"Lower loan margins\n"},{"_id":"4400b3c6b609d88ee900002a","treeId":"44009914b609d88ee9000017","seq":195736,"position":4,"parentId":"4400a850b609d88ee900001d","content":"Lower Margins.\n"},{"_id":"4400a434b609d88ee900001a","treeId":"44009914b609d88ee9000017","seq":135988,"position":1,"parentId":null,"content":"**Better understanding**\n\n`3`"},{"_id":"4400a6c6b609d88ee900001b","treeId":"44009914b609d88ee9000017","seq":135930,"position":1,"parentId":"4400a434b609d88ee900001a","content":"Try to understand the problem from both ends\n"},{"_id":"4400a7d0b609d88ee900001c","treeId":"44009914b609d88ee9000017","seq":135931,"position":2,"parentId":"4400a434b609d88ee900001a","content":"Developing a team that can understand your business needs and the impact that any \"system \" errors can have on your business. A pro active team that will alert us on any potential issues that may impact our business and communicate this in an effective manner.\n"},{"_id":"4400b5adb609d88ee900002c","treeId":"44009914b609d88ee9000017","seq":135949,"position":3,"parentId":"4400a434b609d88ee900001a","content":"Remind themselves who's the customer\n"},{"_id":"4400aa91b609d88ee9000021","treeId":"44009914b609d88ee9000017","seq":135986,"position":3,"parentId":null,"content":"**More interaction/ easier to contact**\n\n`3`"},{"_id":"4400ab23b609d88ee9000022","treeId":"44009914b609d88ee9000017","seq":135938,"position":1,"parentId":"4400aa91b609d88ee9000021","content":"More contact and interaction from senior managment\n"},{"_id":"4400ac07b609d88ee9000023","treeId":"44009914b609d88ee9000017","seq":135939,"position":2,"parentId":"4400aa91b609d88ee9000021","content":"I would recommend UB to others - particular mention in relation to their recent focus on Women and also SME. Online is improving and online team are responsive. One improvement: customer service responsiveness in relation to queries/follow ups / tracing items.\n"},{"_id":"4400ad34b609d88ee9000024","treeId":"44009914b609d88ee9000017","seq":135941,"position":3,"parentId":"4400aa91b609d88ee9000021","content":"Support desk that is manned during business hours so if somebody is at a meeting the matter switches to the next person in the team \n"},{"_id":"4400aff3b609d88ee9000025","treeId":"44009914b609d88ee9000017","seq":135985,"position":4,"parentId":null,"content":"**Improved online**\n\n`2`"},{"_id":"4400b0b9b609d88ee9000026","treeId":"44009914b609d88ee9000017","seq":135943,"position":1,"parentId":"4400aff3b609d88ee9000025","content":"UB can't afford more issues with their technology - you need to have complete faith in the banks systems.\n"},{"_id":"4400b12cb609d88ee9000027","treeId":"44009914b609d88ee9000017","seq":135944,"position":2,"parentId":"4400aff3b609d88ee9000025","content":"Internet systems and bank loan statements are poor\n"},{"_id":"4400b264b609d88ee9000028","treeId":"44009914b609d88ee9000017","seq":135984,"position":5,"parentId":null,"content":"**Happy**\n\n`2`"},{"_id":"4400b2dcb609d88ee9000029","treeId":"44009914b609d88ee9000017","seq":135946,"position":1,"parentId":"4400b264b609d88ee9000028","content":"We have a very good relationship with the team, I can't think of anything additional that I would require from them.\n"},{"_id":"4400b458b609d88ee900002b","treeId":"44009914b609d88ee9000017","seq":135948,"position":2,"parentId":"4400b264b609d88ee9000028","content":"At present satisfied\n"},{"_id":"4400bee3b609d88ee9000034","treeId":"44009914b609d88ee9000017","seq":135990,"position":5.5,"parentId":null,"content":"**Proactive**\n\n`2`"},{"_id":"4400bf4cb609d88ee9000035","treeId":"44009914b609d88ee9000017","seq":135973,"position":1,"parentId":"4400bee3b609d88ee9000034","content":"Show real appetite for new business-market -perception I believe is that bank is more focussed on Institutional lending going forward\n"},{"_id":"4400bfaab609d88ee9000036","treeId":"44009914b609d88ee9000017","seq":135975,"position":2,"parentId":"4400bee3b609d88ee9000034","content":"Proactive account meetings\n"},{"_id":"4400b80db609d88ee900002d","treeId":"44009914b609d88ee9000017","seq":135982,"position":6,"parentId":null,"content":"**Lighter touch on risk assesment**\n\n`1`"},{"_id":"4400b9b8b609d88ee900002f","treeId":"44009914b609d88ee9000017","seq":135957,"position":1,"parentId":"4400b80db609d88ee900002d","content":"Your staff are good and experienced. The history of banking recently means we are in a real risk averse situation. Ideally for the size of funds we deal with a lighter touch could be applied in reviews and risk assessment. \n"},{"_id":"4400ba4cb609d88ee9000030","treeId":"44009914b609d88ee9000017","seq":135981,"position":7,"parentId":null,"content":"**Address speculation**\n\n`1`"},{"_id":"4400bb22b609d88ee9000031","treeId":"44009914b609d88ee9000017","seq":135961,"position":1,"parentId":"4400ba4cb609d88ee9000030","content":"Currnency account pooling. Ulster BAnk also need to deal with isfuture and kill of the speculation that crops up fairly regularly in newspapers, etc that the bank is to be sold, massively restructur, etc. This uncertanity is not helping clients to make decisions as to whether to commit to Ulster Bank for 3/5 year time frames\n"},{"_id":"4400bbf5b609d88ee9000032","treeId":"44009914b609d88ee9000017","seq":135980,"position":8,"parentId":null,"content":"**Quicker legal**\n\n`1`"},{"_id":"4400bcd9b609d88ee9000033","treeId":"44009914b609d88ee9000017","seq":135968,"position":1,"parentId":"4400bbf5b609d88ee9000032","content":"reduce the incessant slowboating by the UB's legal advisors ... they take far too long to supposedly try and help us ... frustrating for the UB Corporate team and frustrating for me as a customer.\n"}],"tree":{"_id":"44009914b609d88ee9000017","name":"One improvement","publicUrl":"one-improvement"}}