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Oliver Wyman

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“Ask a dozen bank chief executives, ‘What is your bank’s competitive advantage?’ and you will get a long list of answers that will most likely include brand, high-calibre people, specialist knowledge and innovative products,” says Simon Harris, head of investment and commercial banking at financial services strategy consultant Oliver, Wyman & Co.

Harris says banks are failing to realise and take advantage of one of their main potential competitive advantages: credit management, the abi

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