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Shredded: The Rise and Fall of the Royal Bank of Scotland Hardcover – 1 February 2016

4.5 out of 5 stars 205 ratings

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'A riveting read'

-- Joris Luyendijk ― The Guardian

'The definitive account of degenerate financial capitalism'

-- Iain Macwhirter ― The Herald

'Tumultuous ... profoundly shocking'

-- Kevin McKenna ― The Observer

'Shredded is a magnificent book. I regard it as one of the best investigative books of the past decade'

-- Eamonn O'Neill ― BBC Radio Scotland

'A gripping account - RBS was a rogue business, operating in what had become a rogue industry, with the connivance of government. Read it and weep'

-- Martin Wolf ― Financial Times

'A model of the journalist's craft, Zola-esque in its broad and unsparing study of corporate hubris and nemesis and haunting in the questions it leaves in its wake'

-- Bill Jamieson ― Scotsman

'Impeccably researched and hard to put down at any point - the author pulls no punches'

-- Philip Augar ― Financial Times


-- Tom Harper ― Independent on Sunday

'Combines Greek tragedy with real-life events that have affected us all. It's hard to put down'

-- Devraj Ray ― Mortgage Strategy

'I don't think I have ever read such a perfect morality tale for our times'

-- Iona Bain ― FT Adviser

'The definitive text. I'm thinking of Barbarians at the Gate, about Kohlberg Kravis Roberts and RJR Nabisco. An instant classic'

-- Max Keiser ― The Keiser Report

'You should absolutely read Ian Fraser's Shredded. It is probably the definitive work on the British and Irish banks in the Great Bubble and the ensuing Great Financial Crisis'

-- Alexander Harrowell ― The Yorkshire Ranter

'Engrossing, fascinating and appalling - a fast-paced and sickeningly-depressing exposition of what can go wrong when corporate governance fails'

-- Ruth Bender, Cranfield University

'Magisterial - the most detailed catalogue to date of the errors and misdemeanours leading up to RBS's 2008 collapse and the failure -- in Fraser's view -- to reform the bank in its aftermath'

-- Colin Donald ― Herald

'A rattling good read. Hubris, nemesis. Truly shocking'

-- Paul Rogerson ― Law Society Gazette

'A manual for understanding banks, the financial crisis, and also corporate greed and hubris'

-- P.C. Dettman

'The definitive account of the RBS fiasco. It's an engaging tale of how self-serving bank executives systematically broke the rules, lent with astonishing recklessness, abused customers and got suckered by Wall Street - before dumping their mess on the taxpayers'

-- Yves Smith, author of Naked Capitalism

'Nearly six years after the bailout, Shredded reminds us how much of banking reform is still a work in progress'

-- Nick Dunbar ―

'Ian Fraser has produced a genuine page turner'

-- Alex Marsh ― Pieria

'The best financial book I've ever read. Thank you, Ian, for a public service'

-- Simon Bain ― Herald

'Not just the definitive book on the collapse of RBS but one of the best five books on the great financial collapse which changed the history of the 21st century. Ian pulls no punches in his conclusions'

-- Russell Napier ― CLSA

'This book should be posted through the letterbox of every taxpayer in Britain'

-- David Mellor, former Chief Secretary to the Treasury

About the Author

Ian Fraser is an award-winning journalist, commentator, and broadcaster who writes about business, finance, politics, and economics. His work has been published by BBC News, Dow Jones, the Economist, Financial Times, and Scotland's Sunday Herald, among others.

Product details

  • Publisher ‏ : ‎ Birlinn (1 February 2016)
  • Language ‏ : ‎ English
  • Hardcover ‏ : ‎ 304 pages
  • ISBN-10 ‏ : ‎ 1780271387
  • ISBN-13 ‏ : ‎ 978-1780271385
  • Dimensions ‏ : ‎ 15.88 x 4.57 x 23.5 cm
  • Customer Reviews:
    4.5 out of 5 stars 205 ratings

About the author

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Ian Fraser has worked as a journalist for nearly 30 years, writing for titles including The Economist, Financial Times, Sunday Times, Guardian, Independent, Reuters, Dow Jones, Daily Mail, Herald and Sunday Herald. From 1999 to 2006 he worked for the newly launched, Glasgow-based Sunday Herald as financial editor, closely following developments at the Royal Bank of Scotland. After 2008, he focused on covering the unfolding banking crisis as a freelance, working on several BBC documentaries including the Bafta-nominated RBS: Inside The Bank That Ran Out of Money. He also taught at Stirling University. Before becoming a journalist Ian worked in the ad industry in Edinburgh, London and Paris; on a mine in Greybull, Wyoming; and as a jackeroo on a Queensland, Australia sheep station. He was born in Edinburgh, is married with three children, and has a degree in English from St Andrews University. He is working on his second book

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5.0 out of 5 stars A very fine book
Reviewed in the United Kingdom on 21 June 2019
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5.0 out of 5 stars A Story of Utter Failure by Ego-Driven Bankers and Politicians
Reviewed in the United Kingdom on 26 January 2020
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5.0 out of 5 stars An essential read to understand the the UK and RBS's role in the financial crisis and beyond
Reviewed in the United Kingdom on 2 November 2021
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R. L. D. Cooper
5.0 out of 5 stars An extremely detailed account of how an institution that was ...
Reviewed in the United Kingdom on 27 July 2014
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5.0 out of 5 stars The best financial book I have ever read
Reviewed in the United Kingdom on 19 May 2016
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