Quotes from the news wire:
U.S. banks have mainly done what's needed to be done and are on an upward curve then you have the 'Road to Damascus banks'. They've finally realized that the market won't bail them out and they have to make some fundamental changes - Deutsche Bank, Credit Suisse, Barclays. It's going to be a year of major change that, in most cases, won't be completed for a number of years.
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