Instead of the endless internal ruminations about whether improving results are a sign of slipping standards - the more relevant question might be how well today's pupils are performing compared with their peers in other countries.
One sign of progress can be found in internal scores that measure how well employees interact with customers, by greeting them when they walk into a branch, or addressing them by name.
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It boggles the mind to think of how many bank executives over the following years had to sign off on this behavior, and how many internal controls did not exist or were bypassed.
They must now personally sign off on financial reports, comply with Sarbanes-Oxley's requirements for internal monitoring, work with the board's audit committee and the company's internal auditors.