Westpac emerges from the royal commission with its reputation in reasonable shape, compared with the other big banks. The bank cops its share of criticism but where it stands out is in being an early mover on changes to questionable processes.It gets a favourable mention for being the first of the big banks to announce that its advisers would no longer receive grandfathered commissions. Around 140,000 client accounts will be affected and the revenue impact will be A$40.8 million a year.And it took action early to change its home loan application process to expand the number of expense categories it would investigate when assessing a loan application - thus addressing the Commission's concern about lenders' over-reliance on the household expenditure model.However, it was up to its neck in the fee for no service scandal and it comes in for criticism for continuing to offer flex commission arrangements to car dealers until they were outlawed in November last year, even though it accepted that the practice could be unfair.Flex commissions gave dealers a cut of the interest payable if they could persuade the borrower to pay a higher rate and the lender's base rate. In the royal commission's view that was an arrangement that simply added cost for the borrower, who knew nothing about the arrangement.Westpac was also taken to task for its approach to auditing adviser files, where points deductions for poor audit results were erased before the next audit.  "A system of that kind did nothing to penalise bad work and nothing to encourage better work." The report says.The report says Westpac stands apart from the other big banks by seeking to maintain at least some aspects of the wealth business. "The challenges for Westpac may therefore differ from those facing the other major banks," it says.