The report from the Royal College of Surgeons says that South Wales is the only part of the UK where patients are dying on cardiac surgery waiting lists.
Other problems identified included:
- Children being fitted with hearing aids because of a lack of time and resources to insert grommets to treat ear infections
- Patients "suffering complications" because of delays in treating kidney stones
- A&E and intensive care units being "frequently grid-locked" with patients "often stacked up in corridors and ambulances".
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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.