i have been working at one of the "big" Canadian bank for over 18 yrs ( i worked in US banking industry as well)
so ,just to clarify that for bank to have a profit for opening bank accounts , increasing limits /opening overdraft protection , issuing line of credits or credit cards , these products must be used. deposits /transactions on bank accounts, utilized credit limit on LC or transaction fees on credit cards. if credit not used it is liability on the balance sheet, if accounts have no deposit base or transactions, banks earn "O" .
one of the idea of" cross selling" is to gain market share in terms of clients base. the more products client has with bank , the better is relationship .
goals/targets always were present and will be present in the industry, retail banking job is about selling, gaining clientele and keeping them happy and this job is not easy one.