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Hubris: How HBOS Wrecked the Best Bank in Britain
Hubris: How HBOS Wrecked the Best Bank in Britain
by Ray Perman
Edition: Hardcover
Price: 17.45

2 of 3 people found the following review helpful
5.0 out of 5 stars a classic case of hubris at our expense, 9 April 2013
Ray Perman, the first Scottish correspondent for the FINANCIAL TIMES, has written the definitive book, HUBRIS, which adroitly explains the downfall of the Bank of Scotland. In this blow by blow account, Perman shows how the once proud and long established bank was taken over by Halifax and driven to excessive corporate lending to offset savage competition in the mortgage market when Halifax started losing market share. The corporate lenders led by Peter Cummings went for larger and larger and commensurate riskier lending packages at the worse possible time to the weakest sectors - retail and property in an overheated London. Meanwhile, the Board had no inkling what was happening nor apparently bothered to ask questions as long as the fees and equity kickers kept flowing. Once again a financial institution and taxpayers were let down by excessive deal making and an incompetent board who said little and did nothing. If you want to find out what really went wrong with the second biggest player in the UK banking crisis, I strongly recommend Perman's book which is well written, fascinating and easily understood.

Now that Vince Cable is finally getting around to look at disqualifying Crosby, Hornby and Stevenson from being board members, what about all the directors at other failed financial service companies who also got away without being held to account? Another case of closing the barn door long after the livestock has bolted leaving the taxpayer to pick up the tab left behind by overly rewarded, rapacious and incompetent board members.

Kerry Napuk, BSc, MA, professional non executive director and author, THE STRATEGY LED BUSINESS (MCGRAW-HILL, 1996)

Prostate Cancer: a Natural Approach
Prostate Cancer: a Natural Approach

Chris Garner's book on natural approaches to managing prostate cancer is an invalubale read. He has assembled almost everything you could possibly explore to manage your prostate cancer short of direct interventions which run the risk of disastrous side effects. Moreover, Garner walks the talk, because he has chose active surveillance against interventions by surgery or radiation. If you want to follow his path, read this book. Men do have a choice and can choose to wait for better diagnosis and treatments to emerge. Time is on your side. As the decision is left to the patient, there is a lot of pressure to do something when that may well be the worse thing to do. Garner shows you various steps you can do now to manage your prostate cancer. You can try different methods and still have the choice of direct intervention in reserve if your Gleason score increases. This book ought to be mandatory read for all men affected by a diagnosis of prostate cancer.

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