Norwegian Cruise Line Holdings Ltd (NCLH)

[JLS]

My wife's brother was a bank branch manager.

For that reason I used to know quite a bit about those guys and bank branches.
Even in good times some branches can and will be closed.

But, in those days (and I think it is still true) all bank branch managers are given the title of Vice President of the bank. So if nothing's changed, all banks have a lot of Vice Presidents. But their salary doesn't reflect that, and they have virtually nothing to say about anything. The bank's computer is his boss.

The problem with giving bank branch managers such lofty titles is that they have next to nothing to do. They don't even have to know how to manage a bank because they are only allowed to do what the bank's computer tells them to do. They are left with nothing to do other than trying to keep employees (who are also nothing other than bank robots) happy.

So why have a bank branch at all? Well, probably to keep customers happy with human contact while paperwork is being properly filled out and stamped.

As I recall (as all this happened decades ago) my wife's brother quit that boring job and went to work for Sears where he got a new job managing a section of a Sears store such as outdoor furniture and tools (which is probably just as boring, but he probably gets employee discounts on anything he wants from Sears).