RBS warns of tough times ahead after setting aside £856m for charges

Bank makes loss of £446m weighed down by preparations for further mis-selling fines and forex-rigging penaltiesRoyal Bank of Scotland warned it faced a tough 2015 as it plunged to a loss in the first three months of the year, weighted down by £856m of misconduct and litigation charges.The 79%-taxpayer-owned bank prepared the way for further penalties for foreign exchange rigging – including possible criminal charges – by setting aside a further £334m for manipulation of the &pou