► Subscribe to the Financial Times on YouTube: http://bit.ly/FTimeSubs<br /><br />The combination of retail and investment banking ought to offer benefits, but as Lex’s Oliver Ralph notes this has not trickled down to shareholders. It’s time banks made up their minds what they were, and specialised.<br /><br />► Lex: http://bit.ly/1I14JZF<br /><br />► UK Business & Politics: http://bit.ly/1AXNyGS<br /><br />► Pressure grows on universal banking: http://bit.ly/1S5Bea1<br /><br />Make better investment decisions with Lex<br />http://www.ft.com/lex<br /><br />Twitter https://twitter.com/ftvideo<br />Facebook https://www.facebook.com/financialtimes
