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The next wave of banking leaders will be judged not for their heroics but for steady stewardship that enables their institutions to endure on behalf of clients, shareholders, and employees.

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In an industry that historically has changed at a sedate pace, big banks have been altering the way they do things at dizzying speed. Facing narrow margins, tighter regulation and wary customers, they are forging new business models, transforming operational processes and re-orienting around service.

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