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Discretion is the most important thing for a banker. That is the philosophy of the family... I mean, of the bank.
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When times are tough, we tend to outperform as margins increase.
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We're a boring retail and commercial bank.
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I think of digital as a means to an end: How do I service and get more loyal customers, how do I achieve operational excellence, and how do I change my culture?
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It has to be convenient. You have to be able to bank with me anytime.
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We are a challenger bank; let me say that once, twice, and three times if necessary because people still sometimes think of us as being very big.
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It's true that I'm always happy to walk away.
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We need to change how we run banks. We need to change the culture. If we get it right, we can have a huge impact.