Most investors have exposure to Australia’s big 4 banks but the best growth opportunities can sometimes occur outside the big four with some smaller, second tier banks outperforming the majors by a significant margin. This means you would be wise to look beyond the big four for growth and income. In this week's show, Dale and Janine analyze a number of second tier banks, and share their views on which ones they prefer and whether now is the time to start buying the smaller banks.