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" Today's investors want to see a positive impact on society and the environment as well as solid financial returns. "

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" I'm totally convinced that the battleground of banking is not the front office. The battleground is the back end. "

" Businesses are among the first to see changes in the labor market, but few countries have the necessary close relationship between business and educators to ensure this information reaches the education system. "

" Every bank has to find its own DNA. "

" We believe existing currencies may move into becoming more of a crypto-currency. "

" If I have to tell you what was and is my mission, I think UBS can be the Apple or IBM of the banking industry: companies that went from being admired to severe difficulties and to being back stronger than before. "

" In 1987, Merrill Lynch asked me to open a Swiss capital markets operation. I was 27. In hindsight, I was lucky enough to start a business from scratch. And I mean from zero - no offices, even, just a space with walls between different areas. We decided to tear down the walls. "

" People should never take things for granted. "

" Philanthropic funding can play a vital role in testing and stimulating innovation that, when proven, can be implemented at scale by business or government. "

" I don't think that the financial services industry and that banking in particular are any different than any other part of the economy, any other industry outside banking. "

" Growth is what solves most of the big economic and social problems: poverty, government deficits, quality of life, rising healthcare and retirement costs. "

" When you look at billionaires, many of them share one characteristic: They were not born billionaires. "

" There's no understandable reason why the financial services industry has not developed a more comprehensive sharing of the value chain. "

" We have to have a business model that can be a sustainable and acceptable one to both regulators and the other stakeholders, clients, and investors. "

" As a Swiss-Italian who has always worked for foreign banks, there was clearly an element of pride going back to my roots and working for the biggest bank in my country. "

" We have a very competitive and profitable investment bank and strong asset management capabilities. We want to continue to build on all those businesses organically. "

" If we call ourselves the preeminent wealth management firm globally, then it would be impossible not to be a strong player in the biggest market in the world, the Americas. "

" Everything is always feasible if you run a corporate finance exercise: you can always try to come out with a justification on how things could work. But the real issue is to say how do you translate that into practice. "

" We don't really believe there's much room for the creation of new currencies if there is no real backing for a hard and credible issuer of that currency. "

" Impact investment is an important business driver, and more importantly, it is a business driver because clients want it. "

" Can a bank that is part of this society be sure that it has no bad apples? No, because, like in all other industries and companies, it's about people, and what you see is the reflection of the good and bad in society. So you employ people that you think are honest, but you have to manage them more and more with an eye towards missteps. "

" Wealth management businesses are capital light businesses. "

" While government clearly plays the major role in fighting poverty through policies on things such as education, tax, and trade, business creates the wealth that matters. "

" Usually, you measure appetite of investors by their ability or willingness to take a bit of leverage on their positions. "

" When you start to get shareholders, clients, employees, rating agencies, and everybody converging, and then your competitors bad-mouth you, you know you did the right thing. "