It criticised superannuation fees and flagged the big banks may need to lift their capital ratios and face increased competition from smaller financial institutions. In response, Commonwealth Bank of Australia shares fell 0.3 per cent to $81.50, while Westpac Banking Corporation slipped 0.21 per cent to $34.07. ANZ Banking Group declined 0.9 per cent to $33.23, while National Australia Bank bucked the trend to rise 0.5 per cent to $34.01.