...because he doesn't have a firm understanding of the Gramm-Leach-Bliley Act?
(click image for closer look)
Here's an example of a hacky ad concept category called Borrowed Interest. You "borrow" a well-known image or cliché and try to make it make sense for your completely unrelated product/service. Most of the time—like here—it fails miserably. Nice layout, though. (ad for huge International bank Grupo Santander, scanned from today's Wall Street Journal)
previously in bank ads:
1. Bank of Opportunistic Stock Photo Use.
2. John Dowd. Banker. Founding Father.
3. What the Deutsche Bank marketing director jerks off to.
4. Dude, it's a CD not the Fountain of Youth.