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☆ Behind the scenes of Kemo Sabe, where celebrities pay up to $900 for custom cowboy hats
▼ + stars: | 2024-10-12 | by ( Joey Hadden | ) www.businessinsider.com time to read: +9 min

Kemo Sabe in Jackson, Wyoming, customizes high-end Western hats that cost up to $895. Kemo Sabe started in Aspen, Colorado, in 1990 and has since become well known for its high-end Western hats. Celebrities and icons, from Rihanna to Shania Twain and the Kardashians, have all been spotted wearing Kemo Sabe hats. Although Stetson makes hats that cost thousands of dollars, Kemo Sabe only sells less expensive Stetson hats that are pre-molded. The Kemo Sabe hats they sell are more expensive.

Persons: Kemo Sabe, Rihanna, Shania Twain, —, Kristen Carelas, Joey Hadden, You've, Carelas, Sabe, we'll, — Stetson, Kemo, Stetson, Taylor Swift, Taylor, They're Organizations: Service Locations: Jackson , Wyoming, Aspen , Colorado, Colorado , Montana , Texas , Utah, Jackson

According to an NBC News review of police hiring laws in Illinois, Grayson’s hiring did not appear to have violated state or local police hiring policies. And an NBC News review of hiring practices around the country shows that there is a patchwork of hiring standards that vary from state to state and from community to community. Experts say the hiring standards in many small law enforcement agencies are often lower than those of large city agencies. In Illinois, in addition to its state law, city councils and county commissions can also set their own stricter hiring rules. Using the California hiring standards as a model, Guller tells his clients to send seasoned investigators out to interview a person’s former romantic partners, neighbors, employers and even patrons at their favorite bars.

Persons: Sonya Massey, —, Sean Grayson’s, Grayson’s, Thomas Campion, Grayson, Jack Campbell, George Floyd, ”, Michael Bricker, “, Sonya, Matt Guller, ” Sonya Massey, Ben Crump, ” Ed Obayashi, ” Obayashi, who’ve, John O'Connor, Campion, Massey, ” Sean Smoot, Tony Dejak, Sean Smoot, Smoot, Barack Obama’s, “ You’ve, “ We’re, ” Bricker, Guller, ” Guller, James Allard, Allard, Eric Hurd, ” Hurd, Hurd, David Corey, ” Smoot Organizations: Army, NBC, NBC Nightly, U.S . Justice Department, Chicago Police Department, “, New Jersey State Police, NBC News, Police, Minneapolis Police Department, Office, Cleveland City, Illinois, Force, Century, Illinois State Police, Chicago, East, Institute for Forensic Psychology, New York State Police, American Psychological Association, “ Chiefs Locations: Illinois, Sangamon County, Springfield , Ill, California, . Illinois, Logan, East Coast, Steuben County New York, Buffalo, George Floyd , New York, Although New York, New York, ‘ Illinois, Oregon, “ Illinois

☆ La travesía de una familia para llegar a EE. UU. por 8000 kilómetros y 8 países
▼ + stars: | 2024-07-08 | by ( Por Luis Ferré-Sadurní | Juan Arredondo | ) www.nytimes.com time to read: +8 min

Millones de venezolanos como la familia Aguilar Ortega han huido de la miseria económica y la represión política en su país natal mientras la nación se sumía en el caos. La decisión indignó a los críticos que alegan que contradice la imagen de Estados Unidos como un refugio seguro para los vulnerables. Inicialmente, los periodistas conocieron a la familia en Ciudad de México, y luego los alcanzaron en la frontera entre Estados Unidos y México. La dura experiencia sería una prueba para su fortaleza mental y física, tensaría la relación de la pareja, y retaría su compromiso y capacidad para forjarse una nueva vida en Estados Unidos. Aguilar afirma que los fiscales venezolanos distorsionaron los cargos y que él y su amigo no usaron violencia.

☆ Denied the 'right to hug': In many U.S. jails, video calls are the only way detainees can see loved ones
▼ + stars: | 2024-06-20 | by ( Https | Media-Cldnry.S-Nbcnews.Com Image Upload Newscms Dan_Headshot.Jpg | Dan Slepian | ) www.nbcnews.com time to read: +13 min

Reekila Harris-Dudley during a video call with her family at Genesee County Jail in Flint, Mich., on June 10. In recent years, hundreds of jurisdictions around the United States have eliminated in-person visits, making a video screen the only way detainees can see their loved ones. The financial allure of video visitation was clear to local officials when the technology was first introduced in Genesee County a decade ago. In Genesee County, video calls are free — if the “visitor” travels to the jail and uses a screen there. The video visitation scheduling kiosk at Genesee County Jail in Flint, Mich., on June 10.

Persons: Reekila Harris, Dudley, “, Harris, Dudley couldn’t, Lester Holt, Alec Karakatsanis, ”, Brenda, Phillip Dudley, Brenda Dudley, When’s, ’ ”, I’m, ” Reekila Harris, —, Wanda Bertram, Bianca Tylek, Julie Poehlmann, “ Young, ” Poehlmann, Karakatsanis, they’re, ViaPath, Securus, Chris Swanson, Swanson, Holt, Swanson —, ” Swanson, George Floyd’s, “ We’re, Kenzi Abou Organizations: NBC, Mastercard, ” Private, Technologies, NBC News, Genesee County’s, ViaPath, Initiative, PPI, Worth, U.S . “, University of Wisconsin, Michigan, “, Genesee, Genesee County Sheriff's, St, Karakatsanis Locations: Genesee, Flint , Michigan, America, Genesee County, Flint, Mich, United States, “, Genesee County Jail, Michigan, Travis, Texas, U.S, Madison, Clair County

With 47 tour stops in the 31-city line-up, we've put together a guide on how to get Bad Bunny tickets for the best prices. In addition to the titular "Nadie Sabe," Bad Bunny is expected to perform chart-toppers "Monaco" and "Perro Negro." How to buy tickets for Bad Bunny 2024 concert tourYou can purchase original tickets to Bad Bunny's Most Wanted Tour on Ticketmaster. Bad Bunny Tickets are also available through resale websites like StubHub and Vivid Seats, which have more variety in pricing. How much are Bad Bunny tickets?

Persons: we've, Bad Bunny, Nadie, Perro Negro, We've, Bunny, Bunny hasn't, Diplo, StubHub Organizations: Business, San, Kansas City, KY, FL, Bad, Ticketmaster, Vivid Locations: Utah, Salt Lake City , Utah, North America, Miami, Phoenix, AZ, San Francisco, Sacramento, Portland, Seattle, WA, Los Angeles, CA, Denver, Minneapolis, Kansas, Chicago, Toronto, ON, Canada, Detroit, MI, Washington, Brooklyn, NY, Boston, Philadelphia, Hartford, Louisville, Tulsa, Austin, Houston, Dallas, Orleans, LA, Charlotte, NC, Nashville, TN, Atlanta, Orlando, Tampa, Brooklyn , NY, KY

☆ Starbucks sued for allegedly using coffee from farms with rights abuses while touting its ‘ethical’ sourcing
▼ + stars: | 2024-01-10 | by ( Kenzi Abou-Sabe | Adiel Kaplan | ) www.cnbc.com time to read: +6 min

A consumer advocacy group is suing Starbucks, the world's largest coffee brand, for false advertising, alleging that it sources coffee and tea from farms with human rights and labor abuses, while touting its commitment to ethical sourcing. "But it's pretty clear that there are significant human rights and labor abuses across Starbucks' supply chain." Practices, in 2004 to oversee its coffee sourcing in more than 30 countries. The verification program holds Starbucks coffee suppliers to more than 200 environmental, labor and quality standards. "I think it is really hard to have an ethical supply chain.

Persons: Sally Greenberg, Greenberg, Genevieve LeBaron, LeBaron Organizations: Starbucks, D.C, National Consumers League, NBC News, Brasil, SCS Global Services, Conservation International, Rainforest Alliance, Hershey, School of Public, Simon Fraser University, United Nations Locations: Washington, Guatemala, Kenya, Brazil

LOS ANGELES (AP) — Ten of the best songs of the year, as determined by Associated Press Music Writer Maria Sherman, in no particular order. “Monaco,” Bad BunnyBad Bunny’s 2023 album, “Nadie Sabe Lo Que Va a Pasar Mañana,” is a reclamation of his past sound, the hard-hitting rap that preceded his mainstream superstardom. And it is part of the reason why his 2023 single and first No. “OMG,” NewJeansIn 2023, girl groups dominated the K-pop conversation. At the fore is NewJeans, with their Y2K-nostalgic sound that pulls from the turn of the millennium's R&B and pop music.

Persons: Maria Sherman, Victoria Monét Buckle, Victoria Monét, Ariana Grande, Chloe x Halle, Monét’s, doesn’t, “, ”, ” Miley Cyrus, Miley Cyrus ’, ” PinkPantheress, PinkPantheress, Leo ”, What’s, ” Zach Bryan, Zach Bryan, ” Paramore Long, Paramore, Hayley Williams, “ Rush, ” Troye Sivan, Sivan, Laura Les, Dylan Brady, NewJeans, ” Danny Brown Danny Organizations: ANGELES, Associated Press, Fifth Harmony, Bronx Locations: “, “ Monaco, Monaco, The Tennessee, Australian

☆ ECB raises minimum capital requirements for Spanish banks
▼ + stars: | 2023-12-01 | by ( ) www.reuters.com time to read: +1 min

A view shows the logo of the European Central Bank (ECB) outside its headquarters in Frankfurt, Germany March 16, 2023. REUTERS/Heiko Becker/File Photo Acquire Licensing RightsMADRID, Dec 1 (Reuters) - The European Central Bank has raised the minimum capital requirements for Spanish lenders BBVA (BBVA.MC), Caixabank (CABK.MC), Sabadell (SABE.MC) and Bankinter (BKT.MC) as part of a supervisory review and evaluation process (SREP). The process provides an overall assessment of the challenges that face significant institutions, together with the corresponding solvency requirements and other supervisory measures that banks are expected to comply with for the year ahead. BBVA's capital threshold was also raised to 9.09% for next year from 8.72%. For Unicaja (UNI.MC), the supervisor however maintained its solvency threshold for 2024 unchanged at 8.27% compared to 2023.

Persons: Heiko Becker, Caixabank, Jesús, Emma Pinedo, Sharon Singleton Organizations: European Central Bank, REUTERS, Rights, BBVA, ECB, Spain's Santander, Thomson Locations: Frankfurt, Germany, Sabadell

☆ Bad Bunny rants to fans over a viral AI-generated TikTok song that mimicked his voice: 'You don't deserve to be my friends'
▼ + stars: | 2023-11-09 | by ( Beatrice Nolan | ) www.businessinsider.com time to read: +2 min

Bad Bunny has gone on a furious rant over an AI-generated TikTok song that used his voice. AdvertisementAdvertisementBad Bunny is not happy about an AI-generated song making the rounds on TikTok. The song, "nostalgIA," features an AI-generated version of his vocals and artificially generated versions of Justin Bieber and Daddy Yankee. It said, "If you like that shitty song that's viral on Tiktok, get out of this group right now. Drake also took issue with a viral AI-generated TikTok song that mimicked his voice and paired it up with The Weeknd.

Persons: Justin Bieber, Daddy Yankee, —, Benito Antonio Martínez Ocasio, Bad Bunny, He's, Drake Organizations: Service, Spotify, Apple Music

☆ Spain's Sabadell lifts 2023 outlook for lending income and profitability
▼ + stars: | 2023-10-26 | by ( Jesús Aguado | ) www.reuters.com time to read: +2 min

The logo of Sabadell bank is displayed in Barcelona, Spain, March 16, 2023. Its net interest income (NII), earnings on loans minus deposit costs, rose 29% year-on-year to 1.24 billion euros. Higher lending income also helped the bank lift its 2023 target for return-on-tangible equity ratio (ROTE), a measure of profitability, to around 11.5% from 10.5%. Sabadell finished the quarter with a ROTE of 11.59% after net profit rose 46% year-on-year to 464 million euros, beating the 383 million analysts expected. Sabadell also announced an interim dividend of 0.03 euros per share in cash, up 50% versus last year.

Persons: Nacho, JP Morgan, Jesús Aguado, Varun, Mark Potter Organizations: REUTERS, Sabadell, British, TSB, Barclays, Thomson Locations: Sabadell, Barcelona, Spain, MADRID

[1/3] The Standard Chartered bank logo is seen at their headquarters in London, Britain, July 26, 2022. The broader European banking index (.SX7P) fell as much as 2.4% to its lowest in four months by 1017 GMT. Top fallers on the index were Standard Chartered, down 9%, Swedbank (SWEDa.ST), down 7% and BNP Paribas (BNPP.PA), down around 4%. Concerns about China's economic fragility are also hitting some European banks with major operations in Asia. Sabadell (SABE.MC) rose around 3.7% after raising its outlook for 2023 net interest income growth on the back of higher interest rates.

Persons: Peter Nicholls, Chris Hiorns, Banks, Hiorns, Angelo Meda, Meda, Iain Withers, Naomi Rovnick, Joice Alves, Jesus Aguado, Danilo Masoni, Amanda Cooper, John Stonestreet, Toby Chopra Organizations: Chartered, REUTERS, BNP, European Central Bank, Traders, SIM, Sabadell, Thomson Locations: London, Britain, LONDON, Milan, Asia, Madrid

☆ Bad Bunny Looks Back and Hunkers Down
▼ + stars: | 2023-10-16 | by ( Jon Pareles | More About Jon Pareles | ) www.nytimes.com time to read: +1 min

It’s hard not to ask that question listening to Bad Bunny’s latest flood of songs, the suprise-released album “Nadie Sabe Lo Que Va a Pasar Mañana” (“Nobody Knows What Will Happen Tomorrow”). With this album, Bad Bunny, a.k.a. Bad Bunny has a perpetually startling voice, a baritone that can sing or rap with equal power. Throughout the 2020s, Bad Bunny has smashed expectations and sales records entirely on his own terms. He asserts his Puerto Rican and Caribbean identity and regularly praises his role models; he collaborates across borders and genres.

Persons: a.k.a, Benito Martínez Ocasio, Drake, Ye, Taylor Swift, Beyoncé, doesn’t Organizations: Puerto Locations: Puerto Rican, Caribbean

☆ Spanish court rejects appeals to suspend banking tax payments
▼ + stars: | 2023-09-11 | by ( ) www.reuters.com time to read: +1 min

MADRID, Sept 11 (Reuters) - Spain's High Court has rejected appeals by lenders Bankinter (BKT.MC), Sabadell (SABE.MC) and Cajasur to suspend payments of the extraordinary banking tax while it reviews the levy's validity, El Economista newspaper reported on Monday. Spain approved in December a temporary 4.8% levy on banks' net interest income and net commissions above a threshold of 800 million euros ($861 million) as part of measures aimed at easing the cost of living of ordinary Spaniards amid high inflation. Some banks and associations objected to the tax and filed challenges before the High Court, while the European Central Bank also warned of adverse effects on the banking system. The High Court could not immediately confirm or deny the report, which also said that the court had refused to raise the question of the levy's constitutionality before the Court of Justice of the European Union. ($1 = 0.9301 euros)Reporting by Emma Pinedo and Jesús Aguado, editing by Andrei Khalip and Angus MacSwanOur Standards: The Thomson Reuters Trust Principles.

Persons: Bankinter, Cajasur, El Economista, Emma Pinedo, Jesús, Andrei Khalip, Angus MacSwan Organizations: Economista, Court, European Central Bank, Justice, European Union, Bankinter, Thomson Locations: MADRID, Sabadell, Spain, Kutxabank

☆ Sabadell doubles Q2 net profit, lifts guidance for 2023
▼ + stars: | 2023-07-27 | by ( Jesús Aguado | ) www.reuters.com time to read: +3 min

Spain's fourth-largest bank by market value reported a net profit of 359 million euros ($398 million) for April-June, compared with 179 million euros in the same period last year. Analysts polled by Reuters had expected a net profit of 287 million euros. TSB's net interest income (NII) - earnings on loans minus deposit costs - grew 9.7% year-on-year in the quarter. Sabadell's NII in the quarter rose 30% year-on-year to 1.17 billion euros. Domestic rival Unicaja (UNI.MC) said its net profit rose by around 6% year-on-year in the second quarter, also supported by higher financial margins.

Persons: Spain's, Leopoldo Alvear, Alvear, Sabadell's, Unicaja, Jesús Aguado, Emma Pinedo, Miral Fahmy, Mark Potter, Susan Fenton Organizations: Bank, Sabadell, Reuters, British, TSB, Barclays, Thomson Locations: MADRID, Sabadell, Spain

☆ Morning Bid: Amazon cools, Intel warms, Japan hesitates
▼ + stars: | 2023-04-28 | by ( ) www.reuters.com time to read: +5 min

[1/2] A smartphone with a displayed Intel logo is placed on a computer motherboard in this illustration taken March 6, 2023. But the dramatic re-acceleration of Big Tech stocks this week - where the NYFANG+TM (.NYFANG) index of the top 10 Big Tech stocks is now up 37% so far this year - is competing with multiple macro narratives that are increasingly hard to read. With the Fed meeting in view, the release of March PCE price inflation data later on Friday tops the diary. Wall St stock futures fell back 0.4% after a wild ride in Amazon.com shares overnight. With much of Europe and Asia closed on Monday for the May Day bank holiday, Asia bourses advanced in Wall St's slipstream but Europe retreated sharply on some jarring corporate updates.

☆ Sabadell's Q1 net profit falls 4% on banking tax despite strong lending
▼ + stars: | 2023-04-27 | by ( Jesús Aguado | ) www.reuters.com time to read: +1 min

MADRID, April 27 (Reuters) - Spain's Sabadell (SABE.MC) on Thursday said its first-quarter net profit fell 4% from the same period in 2022 due to the impact of a new banking tax in Spain which could not be offset by a solid performance in lending income. The country's fourth-largest bank in terms of market value reported a net profit of 205 million euros ($226.55 million) in the January to March period. Analysts polled by Reuters expected a net profit of 138 million euros. The bank said the cost of the banking levy was 157 million euros, which it fully booked in the quarter. Excluding the impact of the banking tax, first quarter net profit rose 69% year-on-year.

In addition to mergers and acquisitions, the options include a sale of the bank and an initial public offering (IPO), the people said. Officials for Co-op Bank, Aldermore, OneSavings Bank, Paragon and Shawbrook declined to comment. Co-op Bank had an equity value of close to 1.3 billion pounds ($1.61 billion) as of the end of December, based on its latest annual accounts. It had more than 28 billion pounds of assets on its balance sheet and reported a profit before tax of 132.6 million pounds for 2022. Later that year, Co-op Bank made an offer for domestic rival TSB Group, which was rejected by Spanish parent Banco Sabadell (SABE.MC).

☆ Spanish banks' exposure to Credit Suisse well below 1 bln euros, source says
▼ + stars: | 2023-03-16 | by ( Jesús Aguado | ) www.reuters.com time to read: +2 min

MADRID, March 16 (Reuters) - Spanish banks' exposure to struggling Swiss lender Credit Suisse (CSGN.S) is immaterial and lower than 1 billion euros ($1.1 billion), a source with knowledge of the matter said on Thursday. "The total exposure from Spanish lenders to Credit Suisse is well below 1 billion euros," the source said, without elaborating further. Credit Suisse in Spain declined to comment. Two supervisory sources told Reuters on Wednesday that the European Central Bank had contacted banks on its watch to quiz them on their exposure to Credit Suisse. On Thursday, the head of Spanish banking association AEB Alejandra Kindelan said she saw "no risk of contagion to Spanish banks", adding that domestic banks were well funded and properly supervised.

Credit Suisse fell below 2 Swiss francs ($2.18) for the first time after Saudi National Bank said it could not go above 10% ownership due to a regulatory issue. Credit Suisse shares fell by as much as 23.8% and were last down 20.2%. An index of European bank stocks (.SX7P) fell in morning trading and was last down 6.1%, hitting its lowest since January 3. Fears of contagion after the collapse of tech-focused lender SVB (SIVB.O) and New York-based Signature Bank (SBNY.O) last week have weighed on European bank stocks. We move from the problems of American banks to those of European banks, first of all Credit Suisse," said Carlo Franchini, head of institutional clients at Banca Ifigest in Milan.

☆ "Calm down!" EU finance ministers play down SVB contagion despite banking shares rout
▼ + stars: | 2023-03-13 | by ( Philip Blenkinsop | ) www.reuters.com time to read: +3 min

SummarySummary Companies European bank shares down nearly 10% over two daysMinisters try to soothe markets as investors dump bank stocksFrance's Le Maire: "calm down!" BRUSSELS, March 13 (Reuters) - European finance ministers and the EU's economics commissioner played down the contagion risk of the collapse of U.S. Silicon Valley Bank (SVB) while European bank shares saw their biggest rout since the start of Russia's invasion of Ukraine. At the start of a Eurogroup finance ministers meeting in Brussels, French Finance Minister Bruno Le Maire called on markets to "calm down" and European Economic Commissioner Paolo Gentiloni stressed he did not see a risk of contagion for European banks following SVB's collapse (SIVB.O). France's Le Maire and his Belgian counterpart Vincent Van Peteghem also said they saw no specific concern for their country's banks, as investors were dumping their financial institutions' shares. Belgian finance minister Vincent Van Peteghem also poured oil on the waters.

Under the deal, Nexi will buy 80% of Paycomet, Sabadell's payments subsidiary, for 280 million euros, with the Spanish lender retaining a 20% stake for at least three years. The business that handles shopowners' payments is a source of stable income for banks, but the need for hefty investments has prompted an increasing number of banks to dispose of all or part of their payments operations. With the deal, Nexi will come to handle transactions worth around 48 billion euros for more than 380,000 Spanish shopowners, adding around 30 million euros of core profit based on 2023 data, it said. The sale is at an enterprise value for the unit of 11.5 times earnings before interest, tax, depreciation and amortisation. Rothschild and Jefferies were financial advisers to Nexi which also worked with BCG, KPMG and Allen & Overy.

☆ European shares gain on earnings optimism
▼ + stars: | 2023-01-26 | by ( ) www.reuters.com time to read: +1 min

Jan 26 (Reuters) - European shares gained on Thursday as upbeat quarterly results from STMicroelectronics, Sabadell and Nokia eased worries over the corporate earnings season amid signs of a recession. The pan-European STOXX 600 (.STOXX) rose 0.6% at 0835 GMT, with technology (.SX8P) and financial services (.SXFP) stocks leading gains. Spanish lender Sabadell (SABE.MC) gained 8.8% following the management's upbeat commentary on 2024 net interest income despite a fall in fourth-quarter net profit. Nokia (NOKIA.HE) rose 5.5% after the Finnish telecom equipment maker beat quarterly operating profit expectations and forecast higher 2023 sales. Reporting by Ankika Biswas in Bengaluru; Editing by Anil D'SilvaOur Standards: The Thomson Reuters Trust Principles.

☆ Morning bid: Parsing the peak, sidestepping a slump
▼ + stars: | 2023-01-26 | by ( ) www.reuters.com time to read: +4 min

"We are turning the corner on inflation," BoC Governor Tiff Macklem told reporters, while dismissing any thought of policy easing for now. Just how bad the underlying economy gets before the central banks are done is the other burning question. On the activity side, the prospect of reviving growth in China and the euro zone certainly changes the international picture. In Europe, STMicroelectronics jumped 8% after the chipmaker reported a sales beat and Finnish telecom equipment maker Nokia jumped 5% after its own beat. They do not reflect the views of Reuters News, which, under the Trust Principles, is committed to integrity, independence, and freedom from bias.

LONDON/MADRID, Dec 20 (Reuters) - British lender TSB has been fined 48.65 million pounds ($59.1 million) over a botched IT platform migration in 2018, UK regulators said on Tuesday. The regulators found that TSB failed to organise and control the migration adequately, and failed to manage operational risks from its IT outsourcing setup. TSB was fined 29.75 million pounds by the FCA and 18.9 million pounds by the PRA, receiving a 30% discount by agreeing to settle the issue, the statement said. In a statement, TSB CEO Robin Bulloch apologised to consumers hit by problems during the upgrade. "Over the past four years, we have harnessed our technology to deliver new products and better services for TSB customers."

☆ UK banks’ Big Bang thankfully looks like big flop
▼ + stars: | 2022-11-30 | by ( Liam Proud | ) www.reuters.com time to read: +4 min

Yet, the mooted changes would probably only benefit middling lenders like Santander UK, Virgin Money (VMUK.L) and Banco Sabadell’s (SABE.MC) TSB Bank, according to the FT. And on Wednesday, the BoE’s supervisory body said it planned largely to stick to international bank-capital rules, dubbed Basel 3.1. But the big flop might not be such a bad thing for the country’s financial sector. Separately, the government’s City minister Andrew Griffith said on Nov. 29 that he wanted to relax the so-called ringfencing regime that forces large British lenders to separate their retail and investment banking arms. According to the Financial Times, the ringfencing regime would still apply to the biggest UK banks but there could be exemptions for lenders with limited trading operations including Santander UK, Virgin Money and TSB Bank.

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