So Last Years...Bank: Royal Bank of Scotland - Replaced by: yeah right... Credit crunch, kaboom, yadda yadda. We all know the score, it's just a shame (or is it?!) that the banks didn't see it coming and put mitigation strategies in place. RBS got hit very badly indeed, as did most banks, but being one of the three bailed out by your own government is a tad too far.
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