Credit Suisse results, the Co-op’s woes and how to price loans to people with limited credit histories

Patrick Jenkins and the FT banking team discuss Credit Suisse’s full-year results with Berenberg analyst James Chappell and the Co-operative Bank’s struggle to survive under its current ownership. They also talk to Douglas Merrill of ZestFinance, a financial software company that helps lenders price loans to people with patchy credit histories.