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Banks face warning on small firms | Banks face warning on small firms |
(20 minutes later) | |
Bosses of some of the UK's biggest banks will be urged to improve their treatment of small firms at a meeting with the government later. | Bosses of some of the UK's biggest banks will be urged to improve their treatment of small firms at a meeting with the government later. |
Chancellor Alistair Darling and Business Secretary Lord Mandelson will tell bank chiefs measures are needed to soften the impact of the recession. | Chancellor Alistair Darling and Business Secretary Lord Mandelson will tell bank chiefs measures are needed to soften the impact of the recession. |
As a condition of the £37bn government bail-out, RBS, HBOS and Lloyds TSB must continue lending at 2007 levels. | |
But many firms have said the recent terms offered by banks have worsened. | But many firms have said the recent terms offered by banks have worsened. |
BBC business correspondent Nils Blythe says there is also some confusion over what the pledge to maintain 2007 funding levels actually means. | |
Lord Mandelson has told MPs that banks will be urged to show greater "discretion and sensitivity" in their dealings with small firms. | Lord Mandelson has told MPs that banks will be urged to show greater "discretion and sensitivity" in their dealings with small firms. |
In a Business Select Committee hearing earlier this week, he said there was anecdotal evidence that smaller businesses were being hit with a "double whammy" by some banks - being asked for more security and higher interest payments on loans, while also paying extra charges. | |
Deal delays | |
The British Chamber of Commerce said that firms were finding it increasingly difficult to access funding. | |
"The cost of money is undoubtedly higher than it was and we see no evidence of it coming down," said the BCC's director general David Frost. | |
"Banks are charging for services that were previously parts of the deal. | |
"And the idea of relationship banking is breaking down. Everything is going through regional offices and it is taking much longer to get the okay on a loan or an overdraft." |