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Culture, critical thinking, rational courage and determination are indispensable in the face of the ever-new challenges that the banking world must face with foresight, for sustainability in complexities, for greater legal certainty, for the simplicity of rules and procedures also in technology, for the ever-increasing capital and liquidity solidity of banks, in the competition of pluralistic banking models, in crisis prevention. It is always necessary to reject cynicism, greed, economics devoid of ethics, the absence of memory.
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