哪个部门？ 我两个地方都有朋友在，也许能给你点建议。

Stand alone IBs might be......a thing for the past. IBs usually have a leverage of 30 or more, a few folds of that of a conventional commercial bank. This level of leverage will be hard to survive the current market conditions. MS has a leverage of 20 at this moment, which is probably the lowest for the firm for the past few years. However, they still need to hold merger talks with commercial banks like Wachovia, which has a lower leverage (10) and a much better buffered balance sheet. Another option that MS is exploring right now is to seek more equity injection from CIC, potentially to a maximum level allowed under a minority holding - 49.9%. RBS has also been highlighted recently as a potentially risky UK bank. After the ABN acquisition, RBS' balance sheet is still considerably weak. It is also very much exposed to the UK mortgage market, which might suffer from a spill-over if the credit crunch unfold further in the US. Congrats in nailing the interviews and good luck to you.

浅见我觉得要看具体工作吧，工作内容， 将来公司对自己的发展，通过面试下来感觉老板和环境是不是适合。rbs现在总体来说比较稳定，也要看具体部门。。 就我见过的人，同样内容年份，ms钱多一些吧。。

what is the job scope?对不起，其是不是很理解IB的finance部门主要做什么呢？