This was a very informal 'round the table' bollocking. They are frowned upon, but still go on with alarming regularity.
Did they clearly outline what was acceptable? Did they outline a plan to help you improve and monitor performance? Just for your own sake they kind of need to do that before any disciplinary process for improvement should begin.
Hopefully it won't but ya know, worth bearing in mind.
I suspect when I have my appraisal in early October it will circle around the specifics, but the problem is, I am working from an increasingly narrowing market/fishing in a weakening pond, whatever analogy you use, my job is getting harder, as the bank pushes people towards online banking and self-service machines.
One fact for sure - there will be a load more cold calling from banks asking customers to 'review' there finances.
Thanks for your advice and kind words though. I appreciate it.