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"We always overestimate the change that will occur in the next two years and underestimate the change that will occur in the next ten. Don't let yourself be lulled into inaction." Bill Gates

Resource Management

“Risk Management is a culture, not a cult. It only works, if everyone lives it.”        Tom Wilsonl

Capital Management. January 17, 2016.


“For many people, changing course is also a sign of weakness, tantamount to admitting that you don’t know what you are doing. This strikes me as particularly bizarre - personally, I think the person who can’t change his or her mind is dangerous. Steve Jobs was known for changing his mind instantly in the light of new facts, and I don’t know anyone who thought he was weak.” Ed Catmull

How much innovation does your bank need? December 17, 2016.

M&A and Resolution

"Successful bootstrapping is all about discipline and stamina." Kevin Hale


Italian Intesa Sanpaolo reaches out for Generali. January 27, 2017.

German HSH Nordbank for sale. January 31, 2017.


"The art of communication is the language of leadership." James Humes

How much communication is needed for effective change management? December 17, 2016.

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