With those great perks comes consequences, as there's no enforcement in place, some colleagues take advantage of flexitime and WFH.
Years of over reliance on contract work has created siloed systems creating so much bureaucracy as many do not understand how the existing systems work and when things break, they just put more measures in place rather than fixing the source of the problem.
Under investment in technology in the past has seen competitors take market share. We maybe a mutual be we still need to make money from the markets.
And of course salary review not keeping up with inflation.