If you can't use dividends, it's not a bad thing to give it back to your shareholders. They'll use it somewhere else.

More people are working, lending is up and savings are up. These are all positive signs for a strengthening economy.

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.

Companies that build scale for the benefit of their customers and shareholders more often succeed over time.

It's great that people get together and collaborate, talk about the facts and the analysis, all in the interest of having a great financial system.

I do want the tax system to be efficient and be conducive to growth, which it is not.

If I ran the whole place like it was my way or the highway, we would not be as good a company. I'm going to have mistakes - they'll be made on my watch and will embarrass me. But I'll also make sure the company learns from them so it can become a better company.