EDINBURGH, SCOTLAND - DECEMBER 12: An employee of the Royal Bank of Scotland walks outside the company headquarters at Gogarburn on December 12, 2011 in Edinburgh, Scotland. A Financial Services ... more 
EDINBURGH, SCOTLAND - DECEMBER 12: An employee of the Royal Bank of Scotland walks outside the company headquarters at Gogarburn on December 12, 2011 in Edinburgh, Scotland. A Financial Services Authority reports has said that poor management decisions led to the near collapse of RBS in 2008. (Photo by Jeff J Mitchell/Getty Images) less 
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Getty Images | Photo By Jeff J Mitchell / Getty Images
Mon, Dec 12, 2011 12:32 PM EST