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Scottish Widows said the wider economic climate was increasing pressure on those struggling to save.
BBC: Scottish Widows survey: Bleak picture for savings
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Scottish Widows, now part of Lloyds, has been suggested as one such asset.
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TSB, Britain's most profitable bank, acquired Scottish Widows, another life insurer, in June.
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Edinburgh's fund management industry, which includes companies such as Scottish Widows and Standard Life, still makes it a financial centre.
ECONOMIST: The economics of home rule
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But over the past year, and particularly since the acquisition last June of Scottish Widows, a life insurer, its shares have stagnated.
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Iain McGowan, head of savings and investments at Scottish Widows, said Scots clearly recognised the importance of saving something towards their future financial well-being.
BBC: Scottish Widows survey: Bleak picture for savings
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Scottish Widows said it painted "a bleak picture" of people's ability to cope with financial shocks that could hit now or in the future.
BBC: Scottish Widows survey: Bleak picture for savings
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Martin Hughes from New River Retail, which managed the revamp on behalf of owners Scottish Widows Investment Partnership, said the area's difficulties reflected the economic climate.
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However, Scottish Widows said it also showed a positive shift in attitudes among women who were already saving into pensions, suggesting many of them were reluctant to cut their contributions.
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Barclays has taken over Woolwich, NatWest was the subject of a hostile takeover battle, while Abbey National took over Scottish Provident, a mutual insurance company, and Lloyds TSB bought Scottish Widows.
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Speaking on the Business Scotland programme on BBC Radio Scotland, Mr Naish - who is also a head of real estate at Scottish Widows Investment Partnership in Edinburgh - stressed that the SPF was not against or for independence, but that political and economic uncertainty increases investment risk, and that equates to cost.
BBC: Scotland independence uncertainty 'risk to investment'