Brian Hartzer, chief executive, RBS Retail Banking
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RBS retail chief: 'Free banking is a myth'

17 November 2011 Last updated at 13:43 GMT

RBS Retail Banking chief executive Brian Hartzer says the "myth" of free-banking creates "perverse incentives", and leads to a lack of transparency as banks are forced to make money on other services.

Brian Hartzer was talking to Evan Davis on The Bottom Line, which is broadcast on BBC Radio 4, the BBC World Service, BBC World television and the BBC News Channel. You can also download the podcast.

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