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  "documentTitle": "Building a Winning Culture",
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      "kind": "callout",
      "text": "The strongest cultures bind people together across both hierarchy and geography, guiding them to make the right decisions and advance the business without explicit direction.",
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      "text": "\"I almost fell off my chair,\" Kelly said. Job No. 1, she realized, was defining a strategy that promoted a new understanding of customer service and a commitment to deliver it. A stronger, more proactive bank would add value to people's lives by figuring out products they wanted and providing them with better service and more flexibility than the competition.",
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      "text": "What St.George's culture lacked, Kelly discovered, were the performance attributes that systematically drive better results. An early culture audit showed that, while St.George excelled when it came to customers, its managers weren't used to being held accountable for delivery. They lagged in boldness and firm decision making. \"Decisions were taking too long to make, there was much searching for consensus and there was a lack of urgency,\" Kelly said.",
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      "text": "Australia's St.George Bank provides a clear example of how to build a winning culture. When Gail Kelly became St.George's CEO in 2002, she recognized immediately that the Sydney-based bank had much more potential than was reflected in its stock price. The new strategy, Kelly quickly decided, was to create a strong focus on delivering excellent service to customers. That would require preserving the bank's friendly, outgoing culture while introducing a new, more rigorous set of performance-minded values. It would take firm, decisive leadership, new levels of accountability and a vision dynamic enough to excite all 8,500 of the bank's employees. The key to achieving the change, Kelly knew, was building a stronger culture by \"working with the grain\" of the existing one.",
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      "text": "Change can have the greatest impact on a company's performance. It takes strong leadership at every level of an organization, determination and a willingness to make culture a top priority. The elements behind a winning culture can be managed by using some practical guidelines. And the payoff is high. As Lou Gerstner, the former chairman of IBM put it: \"Culture isn't just one aspect of the game—it is the game.\"",
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      "text": "Worse in Kelly's mind was a shortage of initiative and a lack of courage to profit from the bank's superior customer relationships. Despite close ties to its clients, St.George trailed its larger rivals when it came to winning a bigger \"share of wallet.\" Employees in the branches were uncomfortable offering additional products to loyal customers or asking them for referrals. Even some senior executives balked at a branding exercise that put emphasis on the attribute of winning. Their concern: If someone wins, someone else loses.",
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      "text": "Because St.George is smaller than Australia's Big Four banks, it had long been the focus of takeover speculation. But Kelly was convinced the bank could perform better than its peers and thrive on its own. St.George had one key element of a high-performance culture: a strong and enduring heritage of taking care of its customers.",
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      "text": "\"That was very different from many of the major banks, where they have traditionally devoted lots of lip service to the customer experience,\" Kelly said. \"At St.George, the passion was real.\"",
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      "text": "Culture isn't just one aspect of the game—it is the game. — Lou Gerstner, former chairman of IBM",
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