News and views from the business world with Mickey Clark and Andy Verity. The UK's five biggest banks are forecast to make combined profits of £11 billion this week and are facing criticism that they are not lending enough to businesses. The rail industry is showing signs of getting back on track. The latest KPMG Global Business Outlook survey suggests that optimism in the services sector has cooled. Finally, a UK music trade delegation heads to Tokyo to make sure the UK's music stars are number one.