But it also tells me there is still much to be learned and many additional areas that deserve more exploration. More than 10 years on, as the entire banking industry continues to evolve postcrisis, I would like to share with you some of my thoughts and observations on the forces influencing the future of banking, and community banking in particular.
However, it is likely that growth in the UK, and to a lesser extent in the EU, will be negatively affected, as a protracted period of uncertainty is expected to undermine both business and consumer confidence. As a consequence, growth forecasts have already been revised down.