What we now have a most unusual situation - a bank in Scotland with profits in freefall despite previous attempts at gutting expenses, comparatively few branches and soon to become fewer, effectively little more than an financial call centre with a few chequecashing shops and a couple of trendy business centres.
When was the last time you saw a wealthy person patronise a cheque-cashing service, use Western Union or visit a payday lender (for an above-board transaction, I mean)?