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Lloyds used 記録，記録的な／記録する low 率s to bump up 利益（をあげる）利ざやs by fiddling with borrowing and 貯金取引，協定s

Updated: 11:01 BST, 6 November 2017

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Britain's biggest bank 引き上げ（る）d its 利益（をあげる）利ざやs by fiddling with borrowing and 貯金取引，協定s while 利益／興味率s languished at 記録，記録的な／記録する lows.

A Mail 調査 has discovered how Lloyds Banking Group has managed to 押し進める up its 利益（をあげる）利ざやs on 貸付金s and deposits to the same level as before the 財政上の危機.

This is にもかかわらず big 財政／金融 houses complaining that the 記録，記録的な／記録する low Bank of England base 率 of 0.25 per cent 始める，決める in August last year after the Brexit 投票（する） had squeezed their returns.

Lloyds has managed to 押し進める up its 利益（をあげる）利ざやs on 貸付金s and deposits to the same level as before the 財政上の危機

After 率s were 増加するd on Thursday, 非，不，無 of the big banks has 約束d to 増加する貯金率s, while many have 誓約（する）d to raise the cost of mortgage 取引，協定s .

Lloyds’ 逮捕する利益／興味利ざや, which essentially 対策 the difference they make from borrowers and what they 支払う／賃金 savers, has climbed to 2.9 per cent.

This is an 増加する from the 2.74 per cent it made when 率s were last 0.5 per cent, and the 2.69 per cent it made just after the 削減（する）.

Santander has also managed to tweak its 利益／興味率s so they are also making more cash from savers and borrowers.

Its 逮捕する利益／興味利ざや is 1.91 per cent, compared with 1.55 per cent before the last 率削減（する）.

Critics 爆破d the 貸す人s for lining their own pockets at the expense of hard-圧力（をかける）d families.

Justin Modray of 消費者 group?Candid Money?said: ‘It’s 驚くべき／特命の／臨時の that 利ざやs have gone up and 示唆するs the public is 存在扱う／治療するd as a cash cow.’

When the Bank of England 削減（する）利益／興味率s to 0.25 per cent it was 広範囲にわたって予報するd to 損失 High Street 貸す人s’ 収入s by making it more difficult for them to rake in 料金s from borrowers.?

Banks make their 利益（をあげる）s by collecting deposits from savers and lending them out to borrowers.

In most 事例／患者s, the 利ざや for 貸す人s fell after the Bank 率 was 削減（する） ? at Barclays’ UK 商売／仕事, for instance, they dropped from 3.59 per cent before it was 削除するd in June 2016 to 3.28 per cent a year later.

But Lloyds and Santander made cunning tweaks to their 製品s to bump up their 底（に届く） line.

Its 逮捕する利益／興味利ざや is at the highest level in more than a １０年間, before the 財政上の危機 decimated banking.?

But at the end of 2006 ? when the 利ざや was last higher ? the Bank 率 stood at 5 per cent. 一方／合間, 顧客s with Lloyds’ 平易な Saver account earn a measly 0.05 per cent a year in 利益／興味 ? or just ￡5 for every ￡1,000 they have saved.

The bank is thought to have ￡90billion of mortgages which 跡をつける the Bank 率 and will therefore automatically 増加する in price, 追加するing ￡1billion to the coffers of the 貸す人. It means 利益（をあげる）s will see an instant uptick thanks to the 率引き上げ（る）.

Santander’s 利益（をあげる）s climbed 1pc to ￡1.6billion in the first nine months of the year. The bank 直面するd a 猛烈な／残忍な（激しい）反発 after the 削減（する） for 切り開く／タクシー／不正アクセスing the 利益／興味 on its popular 123 現在の from 3 per cent to 1.5 per cent.

Lloyds and Santander both said the 率削減（する） was passed on in 十分な to mortgage 顧客s.

A Lloyds 広報担当者 said the bank’s ￡1.9billion 取得／買収 of credit card 会社／堅い MBNA earlier this year had 上げるd 利ざやs.

A Santander 広報担当者 said it 削減（する） mortgages more 積極性 than 貯金 when the bank 率 went 負かす／撃墜する, meaning its 利ざや was 最初 squeezed.

He said: � �Our 改良s to banking 逮捕する利益／興味利ざや have occurred まず第一に／本来 as we made changes to the Santander 123 account in light of 落ちるing 貯金率s across the 産業 over the past few years.’

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