Sometimes, the only way of doing something is to do it.

In other words, RBS had its origins in a failed speculation, a bail-out, and a financial crash so big it helped destroy Scotland's status as a separate nation.

We wouldn't care so much what people thought of us if we knew how seldom they did.

Somebody told me ... that he overheard a banker's wife saying her husband was working for free this year-this was 2009. What she meant was, he was just getting his basic salary of £300,000, and no bonus. Their sense of entitlement is, in the proper sense of the word, psychotic.

It has been a masterful fight-back by the big banks. We the paying public can't do anything much except admit defeat and settle back for the next set of bills. In the meantime, perhaps, we should try and think of a name for the new economic system, which certainly isn't capitalism ... The most accurate term would probably be "bankocracy".

People would rather earn 60 grand in an area where their neighbours earn 40, than earn 80 in an area where their neighbours earn a hundred.

The financial system in its current condition poses an existential threat to Western democracy far exceeding any terrorist threat.