I'm A Really Big Believer - This

All Our Clients Know That We're There, We're Steady, We Do A Good Job, We Earn A Fair Return For Ourselves, Which I Think Is Critical.

I Want You To Say To Me Right From The Start, "we Are Here To Serve Customers. We're Not Here For Me To Make A Lot Of Money. We're Not Here To Bet On Interest Rates Or Credit Spreads. We Are Here To Serve Our Customers Really Well Over A Long Period Of Time, And That's How You Build A Successful Business." And So I Want To See That, Too, You Know?

I Don't Think You're Going To Have One Bank. Big Companies Aren't Going To Give Us All Their Business. So They Can Pick And Choose - By Product, By Country, Whatever. We Have Major Competition Across Every Product In Every Place We Operate.

We Take Smaller Companies And Middle-sized Companies, All Around The World, And We Do Currency Exchange For Them; We Raise Bonds And Equities For Them; And We Do Inventory Finance, Trade Finance, And Custody Of Assets.

I Advise Other Companies' Ceos, Don't Fall Into The Trap Where You Go, 'where's The Growth? Where's The Growth?' Where's The Growth?' They Feel A Tremendous Pressure To Grow. Well, Sometimes You Can't Grow. Sometimes You Don't Want To Grow. In Certain Businesses, Growth Means You Either Take On Bad Clients, Excess Risk, Or Too Much Leverage.