<prompt> Fingqa isihloko: Amabhange ahlanganisa iLloyds neRBS aye agxekwa kakhulu ngendlela aphatha ngayo amabhizinisi amancane. Amabhange ahlanganisa iRBS neLloyds aphinde agxekwa ngenxa yendlela aphatha ngayo amabhizinisi amancane. Kuye kwavela ukuthi amafemu amaningi enza ama- loan anenzalo ephakeme anenzalo ebekiwe bese ebabiza imali eningi ukuze bashintshe lapho amanani enzalo ehla kakhulu. Amalungu ePhalamende ayandisa ingcindezi kubabolekisi bezindlu, ebacela ukuba babuyekeze ukuthengiswa kwabo kwezikweletu, okuye kwafaka izinkulungwane zamabhizinisi ezivumelwaneni ezingezinhle. Amalungu ekomiti lezimali kuthiwa athukuthele ngokuthi umqaphi wedolobha wehlulekile ukuvikela la mabhizinisi amancane. Amabhange asevele akhokhe u-1.8 billion njengesinxephezelo ngenxa yokuthengiswa okungalungile kwama-interest rate swaps, okwakwenzelwe ukuvikela izinkampani uma amanani enzalo enyuka. Lapho amanani ehla aze afinyelela ezingeni eliphansi kakhulu, izinkampani eziningi zabhekana nezinhlawulo ezinkulu zokuqothuka uma zazifuna ukushintsha amadili. Amabhizinisi amancane angaphezu kuka-14 000 athola isinxephezelo. Kodwa-ke, izimali-mboleko ezinenani elilinganiselwe kanye nezimali-mboleko zebhizinisi ezenzelwe wena maphakathi nomugqa wokugcina azilawulwa yi-Financial Conduct Authority, okusho ukuthi amakhasimende azithengise kabi awafaneleki ukuthola isinxephezelo. I-FCA ithi lezo zimali-mboleko zingase futhi zithwalise amabhizinisi izindleko ezinkulu zokushintsha ibhizinisi. Amanye anesivumelwano sokushintshanisa isilinganiso senzalo esifihlwe enkontilekeni, kodwa ngisho nemalimboleko eyisisekelo kakhulu ingahle ibe nezinhlawulo ezinkulu ezingalindelekile zokwephula. NgokweKomiti Lezimali, ukubolekwa kwemali ngenzalo ebekiwe nokubolekwa kwemali yebhizinisi ngokwezifiso kungaba yingozi njengokushintshaniswa kwezinga lenzalo. Kuye kwavela ukuthi amafemu angu-60 000 athengiswa lezi mboleko - cishe ingxenye yawo yiLloyds, cishe angu-11 000 e-RBS, futhi angu-11 272 yiClydesdale Bank. Embikweni osolayo ekuqaleni kwale nyanga ngokuphathwa kwamabhizinisi amancane amabhange, iKomiti leNgcebo lathi lithole ubufakazi bokuthi iClydeesdale Bank ayithengisanga kahle imali-mboleko yebhizinisi. Lithi umbolekisi waklama imikhiqizo ngakho-ke ukushintshaniswa kwezinga lenzalo kungcwatshwe embolekweni okusho ukuthi kwawela ngaphandle komsebenzi we-FCA. Amafemu ayebhekene nezinhlawulo ezifinyelela kuma-40 enani lemali ebolekiwe uma efuna ukuqeda inkontileka yawo. Izolo ebusuku uMark...  <response>: Amabhange ahlanganisa iLloyds neRBS ashaywa ngezibhakela ngenxa yokwelashwa kwamabhizinisi. Abaningi batholakala befaka amafemu amancane emalimboleko enenzalo ephezulu nenenzuzo ebekiwe. Babakhokhisa imali eningi ngokushintsha lapho amazinga enzalo ehla kakhulu. 