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"It was a deliberate act," he said.

The witness, who did not want to be identified, said he thought the driver of the utility was a man.

A ute which smashed spectacularly through the glass doors of a bank in Perth's CBD on Christmas Day has been removed from the scene as police investigate whether it was a deliberate act.

A man who was driving on St Georges Terrace told the ABC he saw the vehicle coming up the Terrace from the east, before mounting the verge and lining up in front of the bank.

While the sliding doors were totally smashed, the glass panels on each side escaped damage.

The vehicle did not stop until it hit the branch's back wall, which it also damaged.

Police said the silver utility went through the front glass doors of the Westpac Bank on St Georges Terrace, at the William Street intersection, at about 4:20pm on Friday.

Debris was strewn all around the interior.

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The vehicle did not stop until it hit the branch's back wall, which it also damaged.

Bryan James Spain appeared in the Perth Magistrate's Court on Sunday.

Nobody was in the bank at the time.

"Westpac ruined my credit history," was the explanation Mr Spain allegedly gave police for his actions.

He drove his silver utility through the front glass doors of the Westpac Bank on St Georges Terrace on Friday afternoon.

A man who deliberately drove his ute into a Westpac branch in Perth's CBD on Christmas Day wanted to exact revenge on the bank, a Perth court has been told.

The court was told it was a deliberate act, and the damage bill is likely to be $120,000.