Money talks: HSBC change

HSBC’s third-quarter results have revealed a “disappointing” performance in Europe and America. What has caused problems for the global bank? Also, Saudi Aramco, the state-owned oil firm, looks likely to push forward with plans for an IPO. What challenges does the oil giant face? And Julian Richer, founder of the entertainment retailer Richer Sounds, on the secret to keeping staff happy. Simon Long hosts

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