The MPs grilling executives of the failed banks are using hindsight to criticise. We all know they got it wrong: the constructive conclusion would be to say when exactly the regulators should have intervened.
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The latest recapitalisation of Britain’s banks offers the chance to right one of the wrongs of the past rescues. There is the opportunity to offer beleaguered savers a decent return on their cash.
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There were eight retail banks in the FTSE 100 in 2007; now five of them are controlled by one group.
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The Scottish Nationalists trying to stop HBoS being bought by the English seem to have missed one important point. Lloyds TSB is Scottish.
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