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House of Commons

Session 2008-09 Publications on the internet Treasury Committee Publications

Treasury - Seventh Report Banking Crisis: dealing withthe failure of the UK banks Here you can browse the report together with the Proceedings of the Committee. The published report was ordered by the House of Commons to be printed 21 April 2009.

Contents Terms of Reference Summary 1  Where are we now? The collapse of the banking sector Scope and structure of the banking crisis inquiry Structure of this Report 2  How did we get here? Economic introduction The experience of the banks until recapitalisation Bradford & Bingley RBS Leverage HBOS Lloyds The experience of the building societies Key themes emerging from the experience of banks and building societies Risk and complexity Leverage The performance of the Financial Services Compensation Scheme Moral hazard Funding 3  What has been the Government response? Government support to Northern Rock Government intervention in Bradford & Bingley The HBOS and Lloyds merger The October 2008 support package for the banking sector The Government's approach Bank recapitalisation RBS Lloyds Barclays Conclusion Conditions attached to receipt of Government money 4  The January 2009 package Asset Protection Scheme Insurance scheme versus 'bad' bank Beyond the January 2009 package: the prospects for further bank nationalisation 5  Bank lending Lending to consumers Lending to small and medium sized businesses Government intervention Missing links? Conclusions 6  UKFI Introduction to UKFI UKFI as shareholder Arm's length? Return of investee banks to the private sector 7  The future of the banking sector Introduction Investment banks Narrow banks Trading of financial instruments Competition in the banking sector Lloyds-HBOS merger Rebuilding confidence in the banking sector Annex: Committee visits in conjunction with this inquiry Conclusions and recommendations Formal minutes Written evidence Reports from the Treasury Committee during the current Parliament Written Evidence

© Parliamentary copyright 2009	Prepared 1 May 2009