GORDON Brown has said a new “alien” culture in the City lead to excessive speculation and bonus payments that left banks undercapitalised when the financial crash hit. In his new book, Brown said if bankers had paid themselves 10 per cent less between 2000 and 2007 they would have had £50bn more capital. He said he was misled over RBS’s strength and that former boss Fred Goodwin, who he had once admired, changed over the years.