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He was also widely tipped to replace chief executive Sandy Crombie when he retires.One industry insider says: "Trevor Matthews was a breath of fresh air. There is obviously a lot more than the personality and the charisma."Plenty of people in Scotland have strong business acumen, but Matthews showed that it could be developed through the individual personality and made to work an awful lot more effectively."It was a good year for Aegon chief executive Otto Thoresen after the Scot was appointed by the Treasury to carry out a review examining the feasibility of delivering a national approach to generic financial advice.The report which was published in March was generally well received by industry experts and consumer groups alike. Peter Vicary Smith, chief executive of consumer group Which?, said at the time: "Otto Thoresen has positively demonstrated the advantages of a money guidance service."At a time when there has been widespread concern over the government's proposals to introduce a nationwide pension scheme where employees will be "auto enrolled", pension providers like Standard Life, Scottish Life and Aegon have become concerned over their ability to make a profit from this important part of their business.Alasdair Buchanan, Royal London's group head of communications says: "A question that companies are having to deal with is how to make acceptable levels of profit in the pensions market, especially group pensions where product pricing can be aggressive."The persistency of business is very poor and has been worsening recently and the consequence is that a lot of business exits the providers' books long, long before it gets anywhere near being profitable."newly listed plc and for becoming involved in mergers.

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