Well here's two: David Hodgkinson, a senior executive with HSBC, and former Halifax Bank of Scotland boss Andy Hornby. At a time when the Government (ie taxpayers) has bailed out the UK banks to the tune of a maximum £37bn (the final figure may be much less but still substantial) two of banking's finest have placed their highly polished Church's right in it. Hodgkinson, who's travelling with PM Gordon Brown's party in the Middle East for heaven's sake, told ITN that there was no certainty his bank would pass on the Bank of England's forthcoming interest rate cut to borrowers. This was more of an "aspiration" he opined. Meanwhile Hornby, whose over-optimistic lending ensured that HBOS ran out of both money and road when credit markets tightened up, has negotiated himself a £60,000 a month consultancy package with Lloyds TSB. This is to oversee, among other things, the thousands of job cuts which will come as part of the £1.5bn cost cutting programme that is key to Lloyds' government-inspired takeover of HBOS. Hodgkinson's HSBC, which is in better shape than the other banks (or is supposed to be) may wish to boost its capital balances as interest rates come down but at the very least it should have promised to pass on most of the cut, which might be as much as one per cent, to borrowers. Now there'll be a monumental row if it doesn't pass on the lot. As for Hornby he should have agreed to oversee the redundancy programme for nothing. He doesn't need the money, unlike the people he's about to fire.