Charlie None, who currently works for HSBC, has lots of experience in wealth management and digital banking.

目前在匯豐銀行工作的Charlie None在財富管理和數字銀行方面有很多經驗。

They're both very important growth areas for Lloyds.

它們對勞埃德來說都是非常重要的增長領域。

One problem is a white man, adding to the already very pale and male world of UK retail banking.

一個問題是一個白人，給英國零售銀行本就非常蒼白和男性化的世界增添了麻煩。

Another is that it's not really clear when he's going to start because of some restrictions in his existing contract at HSBC.

另一個是，由於他在匯豐銀行現有合同中的一些限制，他什麼時候上場還不是很清楚。

Still, one question is why he'd rather work at much smaller Lloyd's than run an arm of the giant HSBC, the division he runs.

不過，有一個問題是，為什麼他寧願在規模小得多的勞埃德公司工作，也不願意經營他所經營的巨頭匯豐銀行的一個部門。

The HSBC generated almost $2.7 billion of pretax profit in the first nine months of 2020.

匯豐銀行在2020年前9個月創造了近27億美元的稅前利潤。

That's almost five times as much as the whole of Lloyd's.

這幾乎是整個勞埃德公司的五倍。

In other words, he'd much rather sit atop a smaller, more focused lender at Lloyd's than run the giant arm of HSBC.

換句話說，他更願意坐在勞合社一家規模較小、更專注的貸款機構之上，而不是經營匯豐銀行的巨頭部門。

You can hardly blame him.

你很難責怪他。

HSBC's global sprawl creates a cost base and bureaucracy that's very hard to manage.

匯豐銀行的全球擴張造成了成本基礎和官僚作風，非常難以管理。