Evaluating the financial accounts of the Royal Bank of Scotland Group, Barclays, HSBC, and Standard Chartered Bank from 2004 - 2018 reveals a taste of the sweetness of success. It also demonstrates what could go wrong in a mega bank, the crippling price of failure, and the long hard road to recovery. This book is a historical account of the causes of instability in the banking sector in the past 40 years and an evaluation of the effectiveness or otherwise of a range of laws and regulatory measures adopted to remedy financial crises in the UK over the years. In addition, the book provides a broad review of the evolutionary development of banking and financial laws starting with seminal case laws on the subject, the Banking Act 1979, the repealed Banking Act 1987, FSMA 2000, the Company Act 2006, the Banking Reform Act 2013, Basel Accords and sundry EU Directives. John, a Barrister at Law offered a robust blend of theoretical knowledge and twenty years of practical industry experience in a commercial bank to provide legal perspectives on supervisory models necessary for stability in the banking sector, while promoting justification for creating an enabling environment for wealth creation and economic growth. The Methods and Methodology chapter would be an invaluable companion for postgraduate students and researchers.