Give a man a gun and he can rob a bank. Give a man a bank and he can rob everyone, the gendered old joke goes. That seems to be the assumption of the Financial Conduct Authority in summoning UK bank bosses for a grilling on Thursday.
It is not lending practices or mis-selling scandals that have raised official eyebrows this time. The issue is why customers are apparently getting so little on deposits compared with the rates they pay for loans.
Compare apples with apples — rather than instant saver accounts with mortgage fixes — and the gap shrinks. A fixed two-year cash Isa with Lloyds yields 5 per cent. Two-year fixed mortgage rates are about 6.4 per cent.
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