Ross McEwan, CEO of the Royal Bank of Scotland (RBS) pauses during his speech at a news conference in London, Thursday, Feb. 27, 2014. Taxpayer-owned Royal Bank of Scotland took a whopping 8.2 billion-pound ($13.7 billion) pre-tax loss for 2013 as it announced a new plan Thursday to transform itself, streamlining the bank to make it smaller and safer. ()