Royal Bank of Scotland chief executive Stephen Hester has said 2012 was a "chastening" year for the part-nationalised lender.
RBS recorded pre-tax losses of £5.2 billion last year, a steep rise from £1.2 billion in 2011.
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School fees, pricey private medical care and the fear of interest rate rises mean even those on £200,000 are feeling the pinch.
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