The head of the Royal Bank of Scotland has told ITV News there are some unknown risks about Scottish independence.
In its annual report, the bank admitted that such move would be likely to have a "significant" impact on the group's credit rating as well its monetary and regulatory landscape.
RBS chief executive Ross McEwan told ITV News: "We are doing a bit of planning around the 'what ifs' and the 'could be' that could happen."
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Close to a frost in places tonight