(FILES) A combination of file pictures shows the high street branches of four British banks; Barclays, HSBC, Lloyds Banking Group and Royal Bank of Scotland. Britain's banks should implement major reforms aimed at avoiding further state bailouts of lenders by 2019, a government-appointed commission recommended in a final report on Monday September 12, 2011. The Independent Commission on Banking confirmed its initial proposals published in April that called for a "ring-fencing" of lenders' retail businesses, thus avoiding banks being sunk by investment division losses. AFP PHOTO/STAFF (Photo credit should read STAFF/AFP/Getty Images)
