TSB is protected against compensation claims by its parent company, the bank's chief executive Paul Pester says.
TSB boss says it has "indemnity" against any claims for misconduct (PPI etc) until it lists. Lloyds would deal with compensation.
Misconduct claims for the missale of payment protection insurance (PPI) have cost the industry billions of pounds, according to estimates from the Financial Conduct Authority.
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Other entries in the UKTV channel Gold competition included jokes about Donald Trump, Brexit, Southern Rail and Ryanair UKTV channel Gold.
Temperatures will remain close to freezing.
The prime minister's announcement came as international leaders gather in Paris on the second anniversary of the climate change plan.