BOE Stress Tests Prove Too Much for RBS

The video discusses the financial challenges faced by RBS, including potential fines and the need to spin off branches. It also covers the capital inadequacies of Barclays and Standard Chartered, highlighting the actions taken by management to address these issues. The video explores the broader challenges in banking profitability, such as low interest rates and overbanking, and concludes with expert analysis from Chris Wheeler on the adequacy of capital structures and stress test results.

Discuss the impact of negative interest rates on bank profitability as highlighted in the text.

What potential changes in the banking sector are suggested in the text?