Customer remediation has cost Westpac A$659 million over the last two and a half years, equal to eight per cent of its 2018 full year profit.It also revealed that a whopping 28 per cent of fees collected by salaried financial planners will be refunded.In a statement yesterday on "provisions for customer payments and related costs" specific to its March 2019 half year, the bank added clarity to costs incurred surrounding these matters over the last two years.The cash earnings impact of customer remediation provisions in the bank's 2017 full year and 2018 full year "were $118 million and $281 million respectively."For the 2019 half year, the bank said cash earnings "will be reduced by an estimated $260 million due to provisions arising from further work on its customer remediation programs."The bank lacks data to make any provisions, this period anyway, for refunds for financial planning customers of authorised representatives of Westpac.Of the $260 million hit to the current half's earnings, "around 90 per cent relates to issues identified in previous financial years," the bank said.Around half of the provisions relate to the financial advice business while the remainder relate to business and consumer banking.Other bank refunds relate to "certain consumer and business customers that had interest only loans that did not automatically switch, when required, to principal and interest loans."