We haven't invested in our franchise or business lines or client base as aggressively as we should have. Clearly we had execution misses.
"William T. "Bill" Winters" (born 1961/62) is an American banker. In June 2015, he will replace Peter Sands (banker)/Peter Sands as CEO of Standard Chartered.
More Bill Winters on Wikipedia.We've had better attrition rates this year. We had bad attrition last year, mainly because of compensation.
We could hit that ROE in 2006, but we don't expect to, We can generate earnings at that run rate through 2007.
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