"Anat, you've been missing an important piece of our business in your columns on super community banking," Larry Fish, the CEO of Citizens Financial Group, said over lunch recently. "You do not mention the importance of ethics and corporate responsibility in super community banks. Ethics and corporate responsibility are key components of super community banking, and especially so at Citizens."

He was right. Citizens has implemented an approach to ethics and corporate responsibility in banking that is unique, both regarding its employees and its customers.

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