US STOCKS-Wall St pulls back from records; banks dip
* Macy's climbs after earnings
* BB&T to buy Susquehanna Bancshares for $2.5 bln
* Wholesale inventory data due
* Indexes off: Dow 0.4 pct, S&P 0.29 pct, Nasdaq 0.2 pct (Updates to market open)
By Chuck Mikolajczak
NEW YORK, Nov 12 (Reuters) - U.S. stocks opened lower on Wednesday, a day after the Dow and S&P 500 closed at record highs for a fifth straight session.
Financial companies lost ground after global regulators fined five major banks - including UBS AG , HSBC Holdings Plc and Citigroup Inc - $3.4 billion for failing to stop their traders from trying to manipulate the foreign exchange market.
Citigroup shares dipped 0.5 percent to $53.56 while the S&P financial index lost 0.3 percent.
"The imposition of fines by the watchdog basically weighed on European bank stocks, and as a result the market is following suit here," said Peter Cardillo, chief market economist at Rockwell Global Capital in New York. Continuación...