In 2015, Bank of Canada cuts rates by 0.25 twice (0.50 total) but the big banks only cut customer rates by 0.15 twice (or 0.30 total). In 2017, Bank of Canada increases rates 0.25 twice (0.50 total) and big banks increase by 0.25 twice (0.50 total). 

The banks didn't give back the 0.20 they stole and are profiting here from every variable rate. Why is The Globe not covering this?