During a visit to the bank of England earlier today the Queen suggested the 2008 financial crisis was partly brought about by the fact that the City regulator, the FSA, "didn't have any teeth. " Royal Correspondent Tim Ewart reports.
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The lender, which is the worst affected by the PPI mis-selling scandal, said it has also set aside £150m for other conduct issues.
Vodafone has been fined £4.6 million by the industry regulator for "serious and sustained" breaches of consumer protection rules.
After a very foggy start it should be a sunny afternoon for most of us.