Those that did not have a good education have already not made it. But in the end, banking is not about computers or education. Banking is about real client service, client-driven service. It's about issuing products for customers to choose from all the time and at any time. To be competitive one must have good products, have good control and good corporate governance.
Thai banks lose money because major shareholders borrow money from their own banks.
Because top managements borrow money from their own banks and go and sit on their borrowers' companies until they don't know where they are working or whom they are working for, the borrower or the lender. Even now, in our preliminary count, as of today, there are still 58 top executives of banks who sit altogether on 272 clients' boards or vice versa including two people who actually are each on 29 companies' boards. Ostensibly to help them, but of course they cannot do so. They can't manage that many companies and actually may stop the companies from doing a good job, if ever they wish to, because the companies have a board of directors who cannot pay enough attention. I have been working on good governance.