Richmond Wrote:... I wonder if the use of the bank is more important, as that area with the church and apartment etc doesn't look like an area that really needs a bank. Though it could be just because it looks good rather than having a real functional role. Yet banks seem to crop up in nearly all screenshots.

I'm not sure what you mean by "an area that really needs a bank". The only area that "needs" banks is that near to hotels and luxury hotels. T3 hotels of all flavors look like they have greater capacity that those of T1. If the T3 banks still have five bankers, you would want one per 50 hotel & luxury hotel tourist capacity. Meanwhile, you want four or five urban development banks and need to put them somewhere. Offhand, I don't recall the effectiveness of multiple banks set to "presidental slush fund (Swiss Banking)"; but you need some - and a place to put them.