Geoff, we have an aging workforce and some have recently retired.
The agency guys are both very good and are eager to learn. They're well qualified but lacking in experience. That's not to say that they don't cut the mustard.
Agency rates appear to be expensive, but,like you've described, you have to compare like with like. A permanent member of staff's true costs are approximately 1.8 x their salary.
Biomedbill
Bank staff get the same pay, but they don't get the same holidays or sick pay entitlements.
Cheers
Mark