Bail-out bonanza: Why do they keep coming back for more? | Business

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In October when the government bought £37bn of shares in <a href="http://web.archive.org/web/20090801055359/http://www.guardian.co.uk/business/royalbankofscotlandgroup">Royal Bank of Scotland</a>, <a href="http://web.archive.org/web/20090801055359/http://www.guardian.co.uk/business/hbos">HBOS</a> and Lloyds TSB, it stopped banks sliding into the abyss. However, now businesses are complaining that they are not able to obtain credit, while mortgages have also dried up. Addressing the lack of finance for home loans is the main reason the government is putting another £14bn into Northern Rock.</p><p><strong>Why aren't the banks lending?</strong></p><p>The banks argue that there has been a steep reduction in demand for loans. They have also taken a more conservative approach over to whom they lend. </p><p><strong>Why do the banks keep coming back for more help?</strong></p><p>The toxicity on the banks' balance sheets could take years to unravel. The banks' problems are exacerbated by each fresh downturn in the economy. Banks are coming back for more taxpayer support because problems keep emerging. In the US, <a href="http://web.archive.org/web/20090801055359/http://www.guardian.co.uk/business/citigroup">Citigroup</a>, once the world's biggest bank, is regarded as too big to fail and is now in discussions about its third bail-out as the continuing decline in asset prices, particularly houses which have fallen 27% in a year, eat into its financial strength. </p><p><strong>Who else wants a bail-out?</strong></p><p>Insurance company AIG is already 80%-owned by the US authorities and is in discussions about its third bail-out. The car industry received $13bn in emergency aid in the dying days of the Bush presidency. In the UK, the car industry has also called for help from the Treasury.</p><p><strong>What is the US government doing?</strong></p><p>Barack Obama is trying to find ways to set up a task force on the car industry and is in talks with AIG about its deteriorating financial health. AIG is rumoured to have made a loss of $60bn for the final quarter of last year - the biggest in US history. The administration is trying to attach as many conditions as it can to taxpayers' money spent on propping up banks and businesses.</p><p><strong>Is the world's banking system solvent?</strong></p><p>Let's hope so.</p> </div> </div> <div id="related"> <ul id="article-toolbox-side"> <li class="printable"><a href="http://web.archive.org/web/20090801055359/http://www.guardian.co.uk/business/2009/feb/25/banks-bail-out-q-and-a/print" rel="nofollow" id="printlink" class="printable rollover" title="Link to a printer-friendly version" name="&lid={pageToolbox}{Printer-friendly version}&lpos={pageToolbox}{1}"><img src="http://web.archive.org/web/20090801055359im_/http://static.guim.co.uk/static/77051/common/images/icon_print.gif" alt="Print this" class="trail-icon"/><span>Printable version</span></a></li> <li><a class="rollover sendlink" href="http://web.archive.org/web/20090801055359/http://www.guardian.co.uk/email/343741163" title="Opens an email form" name="&lid={pageToolbox}{Email a 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It appeared in <a href="http://web.archive.org/web/20090801055359/http://www.guardian.co.uk/theguardian" name="&lid={historyByline}{The Guardian}&lpos={historyByline}{4}">the Guardian</a> on <a href="http://web.archive.org/web/20090801055359/http://www.guardian.co.uk/theguardian/2009/feb/25" name="&lid={historyByline}{The GuardianWednesday 25 February 2009}&lpos={historyByline}{2}">Wednesday 25 February 2009</a> on p26 of the <a href="http://web.archive.org/web/20090801055359/http://www.guardian.co.uk/theguardian/2009/feb/25/mainsection/financial3" name="&lid={historyByline}{Financial}&lpos={historyByline}{1}">Financial</a> section. 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if(divClass.match(/finance-pane/)) { toggleable[i].style.display = 'none'; } } } function initFinanceTab(){ document.getElementById('finance-pane-anchor-0').onclick(); } //]]> </script> <div class="capsule"> <h3>Our selection of best buys</h3> <ul id="finance-guides-nav" class="tab-toggle"> <li><a id="finance-pane-anchor-0" href="#finance-pane-0">Mortgages<b></b></a></li> <li><a id="finance-pane-anchor-1" href="#finance-pane-1">Credit cards<b></b></a></li> <li><a id="finance-pane-anchor-2" href="#finance-pane-2">Loans<b></b></a></li> </ul> <div id="finance-guides" class="trailblock"> <div id="finance-pane-0" class="finance-pane active-pane"> <div class="finance-table"> <table id="mortgage-table"> <col class="title"/> <col class="rate"/> <col class="more-info"/> <thead> <tr> <th scope="col">Lender</th> <th scope="col">Initial rate</th> <td></td> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">First Direct</th> <td>2.98%</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20090801055359/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=3667&Type=F" name="&lid={compareAndBuyPromo}{First Direct|link|Business}&lpos={compareAndBuyPromo}{1}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">Yorkshire BS</th> <td>3.99%</td> <td id="2.moreInfo"> <a href="http://web.archive.org/web/20090801055359/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=3350&Type=F" name="&lid={compareAndBuyPromo}{Yorkshire BS|link|Business}&lpos={compareAndBuyPromo}{2}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">First Direct</th> <td>2.98%</td> <td id="3.moreInfo"> <a href="http://web.archive.org/web/20090801055359/http://guardian.lcplc-online.co.uk/BestBuy.aspx?GUProdID=3667&Type=V" name="&lid={compareAndBuyPromo}{First Direct|link|Business}&lpos={compareAndBuyPromo}{3}"> More </a> </td> </tr> </tbody> </table> </div> <ul> <li class="link info"> <a href="http://web.archive.org/web/20090801055359/http://guardian.lcplc-online.co.uk/bestbuy.aspx" name="&lid={compareAndBuyPromo}{See more mortgage best buys|link|Business}&lpos={compareAndBuyPromo}{4}"> See more mortgage best buys </a> </li> <li class="link bullet"> <a href="http://web.archive.org/web/20090801055359/http://guardian.lcplc-online.co.uk/Wizard1.aspx" name="&lid={compareAndBuyPromo}{Get a personal quote|link|Business}&lpos={compareAndBuyPromo}{5}"> Get a personal quote </a> </li> </ul> </div> <div id="finance-pane-1" class="finance-pane"> <div class="finance-table"> <table id="credit-card-table"> <col class="title"/> <col class="rate"/> <col class="more-info"/> <thead> <tr> <th scope="col">Name</th> <th scope="col">BT Rate</th> <th scope="col">BT Period</th> <th scope="col"></th> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">Virgin Credit Card</th> <td>0%</td> <td>16 mths</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20090801055359/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=671&ProviderID=790&Source=GU07&BestBuy=1&Url=http://ad.uk.doubleclick.net/clk;207240094;29508258;g?http://uk.virginmoney.com/credit-cards/?source=MSP-AGG-50562-55903~amp~targetURL=/virgin/credit-cards-v7&CatID=163" name="&lid={compareAndBuyPromo}{Virgin Credit Card|link|Business}&lpos={compareAndBuyPromo}{6}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">NatWest Platinum</th> <td>0%</td> <td>15 mths</td> <td id="2.moreInfo"> <a href="http://web.archive.org/web/20090801055359/http://www.moneysupermarket.com/CardsP/DoIQualifyExternal.asp?CardID=1224&ProviderID=352&Source=GU07&BestBuy=1&Url=http://clk.atdmt.com/NAT/go/136621154/direct/01/&CatID=163" name="&lid={compareAndBuyPromo}{NatWest Platinum|link|Business}&lpos={compareAndBuyPromo}{7}"> More </a> </td> </tr> <tr> <th scope="row" class="finance-row">MBNA Platinum</th> <td>0%</td> <td>Until 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</a> </li> </ul> </div> <div id="finance-pane-2" class="finance-pane"> <div class="finance-table"> <table id="loan-table"> <col class="title"/> <col class="rate"/> <col class="more-info"/> <thead> <tr> <th scope="col">Provider</th> <th scope="col">Typical APR</th> <th scope="col"></th> </tr> </thead> <tbody> <tr> <th scope="row" class="finance-row">Sainsbury's Personal Loan</th> <td>7.9%</td> <td id="1.moreInfo"> <a href="http://web.archive.org/web/20090801055359/http://www.moneysupermarket.com/loansp/LoansExternalDb_new.asp?LoansId=1562&BestBuy=1&Source=GU07&Url=http://www.sainsburysbank.co.uk/borrowing/micro/bor_loans_ms_apply.shtml?source=NETMSBBDLOANMSIT0001" name="&lid={compareAndBuyPromo}{Sainsburys Personal Loan|link|Business}&lpos={compareAndBuyPromo}{11}"> More </a> </td> </tr> </tbody> </table> </div> <ul> <li class="link info"> <a href="http://web.archive.org/web/20090801055359/http://www.moneysupermarket.com/link.asp?Source=GU07&Section=loansbestbuys" 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name="&lid={jobsBox}{Team Leader Cultural Economy|Business}&lpos={jobsBox}{2}">Team Leader Cultural Economy</a></h4> <p><span class="employer">manchester city council.</span> <span class="location">cultural strategy team, town hall extension, manch….</span> <span class="wage">Grade 9 拢35,079 to 拢38,575 (bar at 拢37,665).</span> </p> </li> <li><h4> <a href="http://web.archive.org/web/20090801055359/http://jobs.guardian.co.uk/job/892725/youth-worker?RSSSearch=0&gusrc=gu_jobs_box_Business&link=Business_jbx_vac" name="&lid={jobsBox}{Youth Worker|Business}&lpos={jobsBox}{3}">Youth Worker</a></h4> <p><span class="employer">surrey county council.</span> <span class="location">lakers youth centre.</span> <span class="wage">JNC Level 2 point 22 -26 (拢29,061 - 拢31,651).</span> </p> </li> <li class="odd"><h4> <a href="http://web.archive.org/web/20090801055359/http://jobs.guardian.co.uk/job/891937/leisure-contracts-and-support-officer?RSSSearch=0&gusrc=gu_jobs_box_Business&link=Business_jbx_vac" 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Bail-out bonanza: Why do they keep coming back for more? | Business | The Guardian