If 2012 marked the end of denial for investment banks, 2013 could be the year that shareholders and regulators finally force banks into taking more radical action - but don’t hold your breath. William Wright takes an irreverent look ahead at some of the big trends and stories ahead for the coming year...

(Disclaimer: the 'forecasts' in this column are solely for the purposes of illustrating some of the challenges facing the investment banking industry in 2013 and are should not be interpreted as specific predictions for individual banks)