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Today our clients have less money and there is no bank which can afford to refrain from cutting costs or raising efficiency in an environment of depressed revenue growth and rising costs of risk, for some banks it is a question of survival, for others - it is a question of choosing priorities in cost cutting and development.

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    Quiz

    Are you a quotes master?

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    Who said: "Your time is limited, so don't waste it living someone else's life. Don't be trapped by dogma – which is living with the results of other people's thinking."?
    A James Cameron
    B Nelson Mandela
    C Steve Jobs
    D Mark Zuckerberg