JAMIE DANNHAUSER | LOMBARD STREET RESEARCH
"We expect the availability of bank lending to improve slowly over the course of 2011. Bank balance sheets, particularly capital levels, are looking much healthier than two years ago."
ALISTAIR MILNE | CASS BUSINESS SCHOOL
"Banks need to regain the lost skills of identifying good business lending opportunities. But rectifying this requires a culture change, and could take, say, five years or more."
IAN STEWART | DELOITTE
"Survey data suggest credit availability for larger businesses improved in 2010. But to rebalance away from consumption and debt we will have to get used to lower rates of credit growth."