Best in the UK

Best in the UK

david-lake-6
David Lake, RBS

Royal Bank of Scotland Small changes can sometimes take a long time to implement, and this year, Royal Bank of Scotland's smallest yet most significant tweak was finally introduced after more than a year of research and testing. The result, however, was dramatic for a UK business in which the bank has produced around £2 billion worth of structured products over the past three years. The change means that RBS's five-year Income Investment Plan, which is structured as a reverse convertibl