Entrenching shared servicing among banks, or a few of them, may be a pragmatic by-product of the latest tranche of pandemic counter-measures sprung on the market by the industry early yesterday.In a second round of coordinated action, one crucial headline is the "business relief package", extending it to businesses with total business loan facilities of up to A$10 million (up from $3 million previously).The package includes a deferral of principal and interest repayments for all term loans and retail loans for six months. The Australian Banking Association unveiled the details of the package early yesterday.At the end of the period business will not be required to pay the deferred interest in a lump sum. Either the term of the loan will be extended or the level of loan repayments will be increased.ABA member banks have also agreed to not enforce business loans for non-financial breaches of the loan contract, such as changes in valuations.The ACCC has once again acted at top speed to extend an interim authorisation to an application by the ABA.To qualify for relief, a business must advise its bank that it is affected by COVID-19 and is current in terms of its existing facility.Commercial property landlords that want access to relief must give an undertaking to their bank that for the period of the interest capitalisation they will not terminate leases or evict current tenants for rent arrears resulting from COVID-19.This condition dovetails with the government's call for tenants and landlords to "sit down, talk to each other and come up with arrangements that enable them to get through the crisis".The ABA estimates that the extension of the package will apply to an additional $100 billion of business loans and provide support to 98 per cent of all businesses with a loan from an Australian bank.All 19 of the ABA's retail bank members that have substantial small business lending books have agreed to participate in the plan.The heading to  a  confidential annex in the industry application to the ACCC is "Potential arrangements with suppliers and agents" and the ACCC kept hidden all the material content in this annex.The published decision on the authorisation sheds a little light on industry thinking. •    The ABA's members, or some of them, plan to implement a scheme for "Proposed Supplier Conduct and Particular Conduct", with each discrete coordination between banks with select suppliers needing an explicit nod from the ACCC.•    Pooling in-branch services of more than one bank brand at those of rivals (to paraphrase) "in the event that Member Banks experience staff shortages or are required to implement further social distancing measures."One supplier affected by the ABA scheme might be Australia Post.Another overdue outcome might be agreement on shared servicing of ATMs.On the ACCC version, the ABA's Proposed Conduct ropes in "[any] supplier or agent [that] competes with Member Banks in relation to any relevant products or services."Matthew Comyn, CEO of Commonwealth Bank and chair of the ABA, last night said "communications with regulators are different than a few months