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	<title>SunGard Transparency, Efficiency and Networks (TEN) - Capitalize on Change &#187; Colin Day</title>
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	<description>Transparency, Efficiency and Networks Reshaping Financial Services in 2011</description>
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		<title>The temperature is rising in Asia</title>
		<link>http://blogs.sungard.com/ten/banks/the-temperature-is-rising-in-asia/</link>
		<comments>http://blogs.sungard.com/ten/banks/the-temperature-is-rising-in-asia/#comments</comments>
		<pubDate>Wed, 11 Apr 2012 14:36:15 +0000</pubDate>
		<dc:creator>Colin Day - vice president, SunGard’s banking business</dc:creator>
		<dc:contributor>cday</dc:contributor>				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Global Markets]]></category>
		<category><![CDATA[Risk & Reg Reform]]></category>
		<category><![CDATA[high net worth individuals]]></category>
		<category><![CDATA[regulation]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[Wealth Management]]></category>

		<guid isPermaLink="false">http://blogs.sungard.com/ten/?p=2324</guid>
		<description><![CDATA[So having spent three of the last four weeks in Shanghai, it was time for me to move on over the weekend.  Following a 4 ½ hour flight, my flight touched down at Singapore’s Changi Airport Terminal 2, and at 7pm as the plane coasted to a halt the captain proudly announced the outside temperature was 86 degrees.  This was nothing to the temperature that, unbeknown to me would be felt inside the baggage reclaim hall.]]></description>
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		<slash:comments>3</slash:comments>
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		<title>Cultivating wealth management in Asia: Trends and challenges</title>
		<link>http://blogs.sungard.com/ten/banks/cultivating-wealth-management-in-asia-trends-and-challenges/</link>
		<comments>http://blogs.sungard.com/ten/banks/cultivating-wealth-management-in-asia-trends-and-challenges/#comments</comments>
		<pubDate>Tue, 13 Mar 2012 13:18:19 +0000</pubDate>
		<dc:creator>Colin Day - vice president, SunGard’s banking business</dc:creator>
		<dc:contributor>cday</dc:contributor>				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Global Markets]]></category>
		<category><![CDATA[Asset Management]]></category>
		<category><![CDATA[European Union]]></category>
		<category><![CDATA[GDP]]></category>
		<category><![CDATA[high net worth individuals]]></category>
		<category><![CDATA[Wealth Management]]></category>

		<guid isPermaLink="false">http://blogs.sungard.com/ten/?p=2208</guid>
		<description><![CDATA[It is currently the rainy season here in Shanghai and as I left my hotel bound for the office this morning, it got me thinking of home.  No, I was not thinking of the weather in the UK but the comparison of the Western economies to those in the East.

As the Western economies continue to struggle to pull themselves out of the storm of post-crisis blues and the cyclone - the European sovereign debt situation - howling through the European Union, the weather in South East Asia looks rather rosy.]]></description>
		<wfw:commentRss>http://blogs.sungard.com/ten/banks/cultivating-wealth-management-in-asia-trends-and-challenges/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
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		<title>Financial recovery or storm clouds on the horizon?</title>
		<link>http://blogs.sungard.com/ten/transparency/financial-recovery-or-storm-clouds-on-the-horizon/</link>
		<comments>http://blogs.sungard.com/ten/transparency/financial-recovery-or-storm-clouds-on-the-horizon/#comments</comments>
		<pubDate>Thu, 02 Dec 2010 15:00:47 +0000</pubDate>
		<dc:creator>Colin Day - vice president, SunGard’s banking business</dc:creator>
		<dc:contributor>cday</dc:contributor>				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Transparency]]></category>
		<category><![CDATA[financial recovery]]></category>
		<category><![CDATA[lending]]></category>

		<guid isPermaLink="false">http://blogs.sungard.com/ten/?p=649</guid>
		<description><![CDATA[Since the financial world reeled in shock at that collapse of Lehman Brothers and the subsequent fallout in the world’s financial markets, the banking community has been in a mode of self preservation.   Rather than lending, which generates one of the age-old assets of the banking world, banks have sought ways to preserve and protect their capital. As a result, there has been a flight to more secure assets such as government backed securities.]]></description>
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		<slash:comments>6</slash:comments>
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		<title>TEN trends shaping the banking industry</title>
		<link>http://blogs.sungard.com/ten/transparency/ten-trends-shaping-the-banking-industry/</link>
		<comments>http://blogs.sungard.com/ten/transparency/ten-trends-shaping-the-banking-industry/#comments</comments>
		<pubDate>Tue, 28 Sep 2010 17:54:38 +0000</pubDate>
		<dc:creator>Colin Day - vice president, SunGard’s banking business</dc:creator>
		<dc:contributor>cday</dc:contributor>				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Efficiency]]></category>
		<category><![CDATA[Networks]]></category>
		<category><![CDATA[Transparency]]></category>
		<category><![CDATA[CBI]]></category>
		<category><![CDATA[Confederation of British Industry]]></category>
		<category><![CDATA[ten]]></category>
		<category><![CDATA[trends]]></category>
		<category><![CDATA[UK]]></category>

		<guid isPermaLink="false">http://blogs.sungard.com/ten/?p=510</guid>
		<description><![CDATA[I work with a great bunch of folks here at SunGard and every Monday morning, without fail, we congregate around the coffee machine and catch-up on our weekend activities.

For once in my life I had little to say having spent my Sunday afternoon watching my eldest son’s football team put in a great performance, yet still losing eight nil.

The discussion quickly turned back to work and the news reported by the Confederation of British Industry (CBI) that the UK Financial Services Sector grew in the last three months at the fastest rate since June 2007.]]></description>
		<wfw:commentRss>http://blogs.sungard.com/ten/transparency/ten-trends-shaping-the-banking-industry/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
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		<title>Three little pigs or Dumbo the elephant – elephants really do fly!</title>
		<link>http://blogs.sungard.com/ten/transparency/three-little-pigs-or-dumbo-the-elephant-%e2%80%93-elephants-really-do-fly/</link>
		<comments>http://blogs.sungard.com/ten/transparency/three-little-pigs-or-dumbo-the-elephant-%e2%80%93-elephants-really-do-fly/#comments</comments>
		<pubDate>Thu, 02 Sep 2010 13:34:46 +0000</pubDate>
		<dc:creator>Colin Day - vice president, SunGard’s banking business</dc:creator>
		<dc:contributor>cday</dc:contributor>				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Transparency]]></category>
		<category><![CDATA[commercial lending]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[loans]]></category>

		<guid isPermaLink="false">http://blogs.sungard.com/ten/?p=494</guid>
		<description><![CDATA[You may recall in my last blog post, ‘The wolf is at the door – if he huffs and he puffs can he blow the bank down?’ we started to explore the scenario of hikes in interest rates and the impact upon commercial lending books.]]></description>
		<wfw:commentRss>http://blogs.sungard.com/ten/transparency/three-little-pigs-or-dumbo-the-elephant-%e2%80%93-elephants-really-do-fly/feed/</wfw:commentRss>
		<slash:comments>8</slash:comments>
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		<title>The Wolf is at the door – if he huffs and he puffs will he blow the bank down?</title>
		<link>http://blogs.sungard.com/ten/transparency/the-wolf-is-at-the-door-%e2%80%93-if-he-huffs-and-he-puffs-will-he-blow-the-bank-down/</link>
		<comments>http://blogs.sungard.com/ten/transparency/the-wolf-is-at-the-door-%e2%80%93-if-he-huffs-and-he-puffs-will-he-blow-the-bank-down/#comments</comments>
		<pubDate>Wed, 28 Jul 2010 15:41:20 +0000</pubDate>
		<dc:creator>Colin Day - vice president, SunGard’s banking business</dc:creator>
		<dc:contributor>cday</dc:contributor>				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Efficiency]]></category>
		<category><![CDATA[Transparency]]></category>
		<category><![CDATA[Ben Bernanke]]></category>
		<category><![CDATA[commercial real estate]]></category>
		<category><![CDATA[financial crisis]]></category>
		<category><![CDATA[interest rates]]></category>
		<category><![CDATA[loans]]></category>
		<category><![CDATA[real estate]]></category>
		<category><![CDATA[well managed bank]]></category>

		<guid isPermaLink="false">http://blogs.sungard.com/ten/?p=373</guid>
		<description><![CDATA[Last week saw me in New York, at what could prove to be a historic moment for both the US and potentially the world’s financial markets, what with one of the widest sweeping shake-ups of US financial legislation since the Great Depression of the 1930s being signed into law.  Now let me share how if we just followed the lessons learnt from our childhood fairy tales, we would have constructed a more resilient bank.]]></description>
		<wfw:commentRss>http://blogs.sungard.com/ten/transparency/the-wolf-is-at-the-door-%e2%80%93-if-he-huffs-and-he-puffs-will-he-blow-the-bank-down/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
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		<title>Who needs staff anyway?</title>
		<link>http://blogs.sungard.com/ten/transparency/who-needs-staff-anyway/</link>
		<comments>http://blogs.sungard.com/ten/transparency/who-needs-staff-anyway/#comments</comments>
		<pubDate>Thu, 08 Jul 2010 16:32:51 +0000</pubDate>
		<dc:creator>Colin Day - vice president, SunGard’s banking business</dc:creator>
		<dc:contributor>cday</dc:contributor>				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Efficiency]]></category>
		<category><![CDATA[Transparency]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[capital]]></category>
		<category><![CDATA[customer centricity]]></category>
		<category><![CDATA[customers]]></category>
		<category><![CDATA[staff]]></category>
		<category><![CDATA[well managed bank]]></category>

		<guid isPermaLink="false">http://blogs.sungard.com/ten/?p=335</guid>
		<description><![CDATA[Yes, yes, yes, he did it, he finally made up his mind and proudly deposited his hard earned (according to him) pocket money in a bank yesterday.

What am I talking about?

If you have been following my recent blog postings, ‘Lessons learned from the economic downturn’ , ‘What does it mean to be a ’Well Managed’ bank?’ and ‘Is customer-centricity really the key?’, you may recall that my 14-year old son has been trying to decide on the right bank with whom to open his first bank account.  Well, yesterday he finally did it.]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is customer-centricity really the key?</title>
		<link>http://blogs.sungard.com/ten/transparency/is-customer-centricity-really-the-key/</link>
		<comments>http://blogs.sungard.com/ten/transparency/is-customer-centricity-really-the-key/#comments</comments>
		<pubDate>Tue, 29 Jun 2010 13:31:20 +0000</pubDate>
		<dc:creator>Colin Day - vice president, SunGard’s banking business</dc:creator>
		<dc:contributor>cday</dc:contributor>				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Transparency]]></category>
		<category><![CDATA[banking]]></category>
		<category><![CDATA[corporate]]></category>
		<category><![CDATA[customer relationship]]></category>
		<category><![CDATA[private]]></category>
		<category><![CDATA[profitability]]></category>
		<category><![CDATA[retail]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[well managed bank]]></category>
		<category><![CDATA[wholesale]]></category>

		<guid isPermaLink="false">http://blogs.sungard.com/ten/?p=311</guid>
		<description><![CDATA[In my recent blog posts, ‘Lessons learned from the economic downturn’ and ‘What does it mean to be a ’Well Managed’ bank?’, you may recall that we have been following the exploits of my 14-year old son as he attempts to find the right bank to open his first bank account.

How hard can it really be?

If you read my most recent post, you can see that I tried once again to encourage him to seek guidance from my wife. After all, nine times out of ten she will be the one that has to help him out with any day-to-day issues.  Alas, it didn’t work and he still hasn’t made up his mind!]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>What does it mean to be a ‘Well Managed’ bank?</title>
		<link>http://blogs.sungard.com/ten/transparency/what-does-it-mean-to-be-a-%e2%80%98well-managed%e2%80%99-bank/</link>
		<comments>http://blogs.sungard.com/ten/transparency/what-does-it-mean-to-be-a-%e2%80%98well-managed%e2%80%99-bank/#comments</comments>
		<pubDate>Fri, 18 Jun 2010 13:49:39 +0000</pubDate>
		<dc:creator>Colin Day - vice president, SunGard’s banking business</dc:creator>
		<dc:contributor>cday</dc:contributor>				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Transparency]]></category>
		<category><![CDATA[capital]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[risk management]]></category>
		<category><![CDATA[well managed bank]]></category>

		<guid isPermaLink="false">http://blogs.sungard.com/ten/?p=307</guid>
		<description><![CDATA[In a blog I posted last week, ‘Lessons learned from the economic downturn’, you may recall my 14-year old son was asking if he could open his own bank account and with which bank he should deposit his hard earned pocket money.

I decided to take the path of information overload, and explained that at a high level, a bank should engage in the prudent management of its assets.  This means that a bank needs to balance the interests of its owners and other stakeholders both now and in the future.  Assets need to be deployed efficiently to maximize current profits.  However, the assets also need to be applied in a way that seems likely to produce future revenue streams and opportunities, balanced against the likelihood of future losses resulting from unforeseen events.  In other words, risk needs to be taken into account – and the longer the time period that the bank uses for its business planning, the more import risk management and mitigation techniques become.]]></description>
		<wfw:commentRss>http://blogs.sungard.com/ten/transparency/what-does-it-mean-to-be-a-%e2%80%98well-managed%e2%80%99-bank/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<item>
		<title>Lessons learned from the economic downturn</title>
		<link>http://blogs.sungard.com/ten/transparency/lessons-learned-from-the-economic-downturn/</link>
		<comments>http://blogs.sungard.com/ten/transparency/lessons-learned-from-the-economic-downturn/#comments</comments>
		<pubDate>Thu, 10 Jun 2010 15:29:03 +0000</pubDate>
		<dc:creator>Colin Day - vice president, SunGard’s banking business</dc:creator>
		<dc:contributor>cday</dc:contributor>				<category><![CDATA[Banks]]></category>
		<category><![CDATA[Transparency]]></category>
		<category><![CDATA[economic downturn]]></category>
		<category><![CDATA[risk]]></category>
		<category><![CDATA[risk management]]></category>
		<category><![CDATA[well managed bank]]></category>

		<guid isPermaLink="false">http://blogs.sungard.com/ten/?p=293</guid>
		<description><![CDATA[Over breakfast this morning my 14-year old son asked if he could have his own bank account and it really got me thinking as he also asked if his money would be safe! With the amount he has to deposit he is more than covered by the UK Bank Deposit Protection Scheme. Both my wife and I use different banks for different reasons so I offered him some options. My son responded with yet another question of “why”. Here I was being quizzed by a 14-year old on the virtues of the banking system.]]></description>
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