Banking: Financial Stability

My Lords, as my noble friend Lord Newby has said, we welcome the Government’s proposals, and it is particularly encouraging that they have mentioned small and medium-sized businesses in this connection. However, in the light of the rate reductions we have seen today, perhaps I, too, may ask the Minister to ensure that those reductions, and indeed more, are passed on to small businesses in particular, and that they are given a fair deal? There is great concern that businesses are already not being treated fairly and conditions are being changed in respect of the support they need. Indeed, is this not a clear example of how, under conditionality, there is a real opportunity for the Government to press for these things to happen?