PHILADELPHIA - Most bankers realize their industry has a massive reputation problem. But sometimes their own words seem to make it worse.

Take James Rohr, the executive chairman and former chief executive of PNC Financial Services Group (PNC). His bank had fewer problems through the financial crisis than many of its too-big-to-fail competitors, and Rohr has occasionally served as a spokesman for all banks, exhorting them to regain public trust "by our actions over time."

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