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The answer to this question requires looking at what constitutes a bank, and/or public, holiday and also considering the statutory position under the Working Time Regulations 1998 ('WTR 1998') and the contractual position.
Bank holidays in England and Wales are:
the first Monday in May (proclaimed a bank holiday since 1978)
the last Monday in May
the last Monday in August
26 December (Boxing Day), if it is not a Sunday
27 December, if either Christmas Day or Boxing Day falls on a Sunday in that year
New Year's Day or, as appropriate, 2 January (proclaimed a bank holiday since 1974)
any other day proclaimed as bank holiday (either in place of one above, or in addition)
In Scotland, the bank holidays are:
New Year's Day (or on a year in which New Year's Day falls on a Sunday, 3 January)
2 January (or on a year in which 2 January falls on a Sunday, 3 January)
the first Monday in May
the last Monday in May (proclaimed an additional bank holiday since 1987)
the first Monday in August
St Andrew's Day (30 November), if it is not a Saturday or Sunday or, if it is a Saturday or Sunday, the first Monday following that
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