So, let me get this right.
The oh - so - sorry CEO is prepared to refund customers who are willing to take the time to prove that they have lost money to FNB because of FNB's fskup.
Is the oh - so - sorry CEO prepared to pay for the time that it is going to cost to provide the proof?
Surely, a much more friendly way to do this oh-so-sorry "refund" would be to automatically refund all over-the-counter transactions done during the affected period for clients who PAY for internet banking facilities.
Also, a refund on the payment for internet banking facilities would be more than appropriate.