Best in the UK

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 convertible, now

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