Utilize the input text as a context reference, choose the right relationship between Virgin Group and Richard Branson from the options. Options: product/material produced, manufacturer, distributed by, industry, position held, original broadcaster, owned by, founded by, distribution format, headquarters location, stock exchange, currency, parent organization, chief executive officer, director/manager, owner of, operator, member of, employer, chairperson, platform, subsidiary, legal form, publisher, developer, brand, business division, location of formation, creator.

Kent Reliance pays 1.45pc, while Virgin Money, a bank owned by the Virgin Group and founded by Sir Richard Branson in 1995, pays 1.41pc.

Answer: founded_by