I can't wait for guild banks, as long as they implement them in an easy to use, non-exploitable fashion then all should be well!
As far as VOIP goes, meh this feature isn't really for us raiderish types who already use VOIP it is just to appeal to the mass of people that don't already use it, IMHO. I seriously doubt that (m)any raiding guilds will give up their dedicated ventrilo servers, unless the implementation of WoW VOIP is superb.
On a slightly related note, I definitely agree that guild bank income after 2.1 will be a lot nicer. I forsee the selling of BOE crafted items from SSC/TK/Hyjal/BT will be very lucrative sales. Not to mention if the drop rate on purple gems is high (and it seems to be) then eventually we'll have a surplus of gems to sell off as well.
Lets just hope patch 2.2 doesn't take another 4 months
