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Examples start from the top. You pass on a message of ethics.
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You either sell a dream, or you say what you think and do what you say.
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You have to lead by example. Banks need to be seen by their clients and stakeholders as entities that behave properly. That starts with the CEO.
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You need to define realistic targets. If you define the wrong medium-term targets, you create the wrong tensions in the organization and you create the wrong revenues and profits.
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If rates stay low, it is because growth will be low.
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Together we successfully delivered the Transform 2019 plan, and as a result we are in a strong position to continue supporting our clients and communities in all of our countries and remain a pan-European winner.