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Banking is the simplest business in the world. You take money from people who have it and lend it to people who need it. The hard part is doing it at scale without losing it.
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I built roads for twenty years before I realized the real money was in financing the roads.
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Colombia will be one of the great economies of the 21st century. I have bet everything on it.
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Market share is the only metric that matters in banking. Everything else follows from it.
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I am an engineer. I build things. The fact that what I build now is made of capital instead of concrete does not change how I think about it.