ICB's much-anticipated Vickers report recommends U.K. banks "ring-fence" their basic services (deposits, overdraft) and move riskier "casino" operations to a non-ring-fenced bank that would not enjoy government support. Ring-fenced ops would need to maintain a debt/equity ratio of at least 10%. In London, BCS -3.2%, LYG -2.5%, RBS -1.8% and HBC -1.2%.