"Your career is going to be measured in decades, and you'll probably have many careers in your life, so make sure that you really enjoy each period of your life and make the most of it"

"Don't try and achieve everything at the same time and put so much pressure on yourself"

"That was a game-changing piece of advice for me, because then I started doing completely different jobs and ones that weren't necessarily logical to most people's thinking"

"That philosophy very much guided me to start thinking what are the things that would equip me better for a more senior role further down the path"

"If we didn't put our people's health and safety first ... I think we would have done a very poor job managing the bank"

"We've been in the midsts of a health crisis, and if we didn't put our people's health and safety first and understand what's going on in their lives, honestly, I think we would have done a very poor job managing the bank through the crisis"

"Our employees have then rewarded us incredibly because, secure in that and knowing that they were going to be okay, then meant that they would focus on our clients and look after them too"

"We will invest in our infrastructure, risk management and controls to ensure that we operate in a safe and sound manner and serve our clients and customers with excellence"

"I knew it was going to be multiple years and I knew I had to get a move on: to be bold around it and take tough decisions that hadn’t been made before, and to make investments that were going to be hard for the bottom line for a couple of years but would then bear fruit"

"Having experience of different parts of the bank gives you a lot of courage and conviction, to get clarity quickly about what needs to be done and stick to the plan, even if it’s difficult"

"Our folk here are not shy about telling you what you need to do when you ask them"

"We are not done and we’ve still got a way to go. There is no victory being declared, but there is very clear, demonstrable progress"

"There was a lot of pride in some of these retail businesses and it has been hard to let go of them from a cultural point of view"

"We’ve taken some pretty tough talent calls, says Fraser. If someone was a strong performer, but their job had gone away in the reorg, we would put them into a job that someone else had"

"We are using the strength of our global platform, and what we do in Services and other areas, to propel the relationship into the boardroom"

"That’s expensive and thankless work until it’s done, and then it’s joyful"

"If you move from 20 different ways of doing something to one, that reduces the risk of something going wrong enormously. Then you make sure that the process around that makes sense, end to end: making sure it isn’t convoluted and complex. You put in all your controls, both preventive, and detective. You try and make as many of them automated as possible, and then you test them constantly to make sure they’re working. That is the deeply unsexy but very important work we have been doing"

"There are a lot more things coming off the to-do list than getting added to it. We can see it delivering better outcomes and starting to improve efficiency. There’s been a huge lift done, but now we’re in the phase when you’re starting to get things closed"