The banking royal commission has begun outlining the systemic drivers of misconduct.

NAB has been grilled about pressure to put profits above customers’ best interests, while CBA was slammed for swamping the Royal Commission with spreadsheets, in a move that has been likened to a smokescreen.

Within the first few days, NAB has been berated for an attempt to deceive ASIC with a “straw man” strategy, revealed in a document from 2016.

The Royal Commission has its sights on the problems with Australia’s banking system: remuneration structures, unachievable sales targets and excessive pressure from managers on staff all the way down the line to achieve them.

The Finance Sector Union (FSU) wants to increase the pressure.

“We know that bank workers in branches and call centres across the industry are being pressured and bullied on a daily basis to achieve unrealistic sales targets,” FSU National Secretary Julia Angrisano said.

“If you have experienced this, your story can put the pressure on the banks.”