<strong>HOWARD ARCHER GLOBAL INSIGHT<br /></strong>I would expect there to be a gradual improvement, but the whole sector is still very vulnerable to set backs. I am not convinced that reform is going to happen to the extent that the Bank of England would like, and I think it will be a long time before we are back on firm ground.<br /><strong><br />GEORGE BUCKLEY DEUTSCHE BANK<br /></strong>There is definitely evidence to suggest that things are getting better. But there is still a question over how sustainable this is. But I don’t think we will get back to the old days of where we were in the final quarter of 2008. There is still some way to go before we get back to the levels of credit rates that we have seen in the past, if indeed we ever do.<br /><strong><br />PETER DIXON COMMERZBANK</strong><br />The markets do seem to think the sector will return to what it was, but I disagree. The financial sector which evolves will be a very different animal from what we had before. But prospects for recovery are still rather limited and banks are going to have to find a way to trade their way out of trouble.