Protests from the City about bank tax ring hollow

Philip Augar questions whether UK banks are "too big to tax" as they lobby Chancellor John Healey ahead of his October 28 Budget. The sector claims it already pays 47% in total taxes versus 28% in the US and under 40% in some EU countries, warning higher taxes would reduce SME lending and drive business abroad. JPMorgan's Jamie Dimon, planning a £3bn Canary Wharf headquarters, warned Prime Minister Andy Burnham of "adverse consequences." The City of London Corporation urges Healey to "do no harm" with "no more sector-specific taxes."

Augar argues the banks' case is weakened by extraordinary profitability since interest rates rose in 2022. Barclays, NatWest, and Lloyds returned nearly £12bn to shareholders from 2025 profits, with ringfenced UK banks reporting over 20% return on equity. The FTSE 350 Bank index is up 30% year-on-year.

Augar notes banks received massive 2008 taxpayer bailouts and now argue further taxation would jeopardize recovery from a crisis they created — a "heads we win, tails you lose" scenario. The Bank of England pays higher rates on commercial bank reserves than it receives on its Asset Purchase Facility gilts, costing the exchequer. Reducing capital returns could absorb moderate tax increases while sustaining lending.

فيليب أوغار يتساءل ما إذا كانت البنوك البريطانية 'أكبر من أن تفرض ضرائب عليها' بينما تضغط على وزير المالية جون هيلي قبل ميزانيته في 28 أكتوبر. يدعي القطاع أنه يدفع بالفعل 47% كضرائب إجمالية مقابل 28% في الولايات المتحدة وأقل من 40% في بعض دول الاتحاد الأوروبي، محذرًا من أن الضرائب الأعلى ستقلل إقراض الشركات الصغيرة والمتوسطة وتدفع الأعمال إلى الخارج. جيمي ديمون من جي بي مورغان، الذي يخطط لمقر رئيسي بقيمة 3 مليارات جنيه إسترليني في كناري وارف، حذر رئيس الوزراء أندي بيرنهام من 'عواقب سلبية'. وتحث شركة مدينة لندن هيلي على 'عدم التسبب في ضرر' من خلال 'عدم فرض ضرائب خاصة بالقطاع'.

ويجادل أوغار بأن حالة البنوك تضعف بسبب ربحيتها الاستثنائية منذ ارتفاع أسعار الفائدة في عام 2022. أعاد باركليز ونات ويست ولويز ما يقرب من 12 مليار جنيه إسترليني للمساهمين من أرباح 2025، مع البنوك البريطانية ذات الحلقة المغلقة التي أبلغت عن عائد على حقوق المساهمين يزيد عن 20%. ارتفع مؤشر FTSE 350 للبنوك بنسبة 30% على أساس سنوي.

ويشير أوغار إلى أن البنوك حصلت على إنقاذ ضخم من دافعي الضرائب في عام 2008، والآن تجادل بأن الضرائب الإضافية ستعطل التعافي من الأزمة التي تسببت فيها — سيناريو 'نربح نحن وتخسر أنت'. يدفع بنك إنجلترا أسعارًا أعلى على احتياطيات البنوك التجارية مما يحصل عليه على سندات الحكومة في مرفق شراء الأصول، مما يكلف الخزانة. يمكن أن يؤدي خفض عوائد رأس المال إلى امتصاص زيادات ضريبية معتدلة مع الحفاظ على الإقراض.

ফিলিপ অগার প্রশ্ন করেন যে কি ইউকে ব্যাংকগুলো 'কর लगाने के लिए बहुत বড়' — কারণ তারা ২৮ অক্টোবরের বাজেটের আগে আর্থিকমন্ত্রী জন হিলির কাছে লবি করছে। সেক্টর দাবি করে যে তারা ইতিমধ্যে মোট করের ৪৭% দেয় — যেখানে আমেরিকায় এটি ২৮% এবং কিছুইইউ দেশে এটি ৪০% থেকে কম — এবং চेतावনি দিচ্ছে যে আরও কর এসএমইে ঋণ কমাবে এবং ব্যবসা বিদেশে চলে যাবে। জেপি মורגনের জেমি ডাইমন, যারা ক্যানারি ওয়ার্ফে ৩বিলিয়ন পাউন্ডের হেডকোয়ার্টার পরিকল্পনা করছেন, প্রধানমন্ত্রী এন্ডি বার্নামকে 'প্রতিকূল ফলাফল' সম্পর্কে সতর্ক করছেন। লন্ডন সিটি কর্পোরেশন হিলি থেকে অনুরোধ করছে যে তারা 'নुकসান না করবে' — অর্থাৎ 'বিশেষ সেক্টরের কর বাড়াবেন না'।

অগার যুক্তiscono যে ব্যাংকদের দাবি দুর্বল হয়ে গেছে কারণ ২০২২ থেকে ব্যাজের হার বাড়া হয়েছে এবং তারা অসাধারণভাবে 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Philip Augar cuestiona si los bancos del Reino Unido son 'demasiado grandes para gravar' mientras presionan al ministro de Finanzas John Healey antes de su presupuesto del 28 de octubre. El sector afirma que ya paga el 47% en impuestos totales frente al 28% en EE.UU. y menos del 40% en algunos países de la UE, advirtiendo que impuestos más altos reducirían los préstamos a pymes y llevarían los negocios al extranjero. Jamie Dimon de JPMorgan, quien planea una sede de £3bn en Canary Wharf, advirtió al primer ministro Andy Burnham sobre 'consecuencias adversas'. La Corporación de la Ciudad de Londres insta a Healey a 'no hacer daño' con 'ningún impuesto específico al sector'.

Augar sostiene que el argumento de los bancos se debilita por su extraordinaria rentabilidad desde que las tasas de interés subieron en 2022. Barclays, NatWest y Lloyds devolvieron casi £12bn a accionistas de las ganancias de 2025, con los bancos del Reino Unido sujetos a anillo reportando más del 20% de retorno sobre el patrimonio. El índice FTSE 350 Bancario subió un 30% interanual.

Augar señala que los bancos recibieron enormes rescates de contribuyentes en 2008 y ahora argumentan que una mayor tributación pondría en peligro la recuperación de una crisis que ellos mismos crearon — un escenario de 'ganamos nosotros, pierdes tú'. El Banco de Inglaterra paga tasas más altas por las reservas de los bancos comerciales de lo que recibe en sus bonos del gobierno en la facilidad de compra de activos, lo que cuesta al erario. Reducir los retornos de capital podría absorber aumentos moderados de impuestos mientras se mantiene el préstamo.

Philip Augar se demande si les banques du Royaume-Uni sont « trop grandes pour être taxées » alors qu'elles font pression sur le chancelier John Healey avant son budget du 28 octobre. Le secteur affirme qu'il paie déjà 47% d'impôts totaux contre 28% aux États-Unis et moins de 40% dans certains pays de l'UE, avertissant que des impôts plus élevés réduiraient les prêts aux PME et pousseraient les affaires à l'étranger. Jamie Dimon de JPMorgan, qui prévoit un siège social de 3 milliards de livres à Canary Wharf, a averti le Premier ministre Andy Burnham de « conséquences néfastes ». La Corporation de la Ville de Londres exhorte Healey à « ne pas faire de mal » avec « aucun impôt spécifique au secteur ».

Augar soutient que l'argument des banques est affaibli par leur rentabilité extraordinaire depuis la hausse des taux d'intérêt en 2022. Barclays, NatWest et Lloyds ont retourné près de 12 milliards de livres sterling aux actionnaires grâce aux bénéfices de 2025, avec les banques du Royaume-Uni soumises à la séparation d'activités affichant un rendement des capitaux propres supérieur à 20%. L'indice FTSE 350 Bancaire a augmenté de 30% en glissement annuel.

Augar souligne que les banques ont reçu d'importants sauvetages financés par les contribuables en 2008 et affirment maintenant qu'une taxation supplémentaire mettrait en péril le rétablissement d'une crise qu'elles ont elles-mêmes créée — un scénario « tête nous gagnons, queue vous perdez ». La Banque d'Angleterre paie des taux plus élevés sur les réserves des banques commerciales que ce qu'elle reçoit sur ses titres d'État du dispositif d'achat d'actifs, ce qui coûte au Trésor. Réduire les rendements du capital pourrait absorber des hausses d'impôts modérées tout en maintenant le crédit.

फिलिप ऑगार यह सवाल उठाते हैं कि क्या यूके के बैंक 'कर लगाने के लिए बहुत बड़े' हैं, क्योंकि वे 28 अक्टूबर के बजट से पहले वित्त मंत्री जॉन हीली के पास लॉबिंग कर रहे हैं। क्षेत्र का दावा है कि वे पहले से ही कुल टैक्स में 47% देते हैं जबकि अमेरिका में यह 28% है और कुछ ईयू देशों में यह 40% से कम है, और चेतावनी देते हैं कि अधिक टैक्स से एसएमई को दिया जाने वाला लोन घटेगा और कारोबार विदेश चला जाएगा। जेपी मॉर्गन के जेमी डायमंड, जो कैनरी व्हार्फ में £3bn मुख्यालय की योजना बना रहे हैं, ने प्रधान मंत्री एंडी बर्नहम को 'प्रतिकूल परिणामों' की चेतावनी दी। लंदन सिटी कॉर्पोरेशन हीली से आग्रह करती है कि वे 'नुकसान न करें' — यानी 'क्षेत्र-विशिष्ट टैक्स नहीं बढ़ाएं'।

ऑगार का तर्क है कि बैंकों का मामला इसलिए कमजोर हो गया है क्योंकि ब्याज दरों में 2022 से वृद्धि हुई है और वे असाधारण रूप से लाभदायक हो गए हैं। बार्कले, नैटवेस्ट और लॉयड्स ने 2025 के मुनाफे से शेयरधारकों को लगभग £12bn लौटाए हैं, जबकि रिंगफेंस्ड यूके बैंकों ने शेयरधारिता पर लाभ (ROE) में 20% से अधिक बताया है। एफटीएसई 350 बैंक सूचकांक पिछले एक साल में 30% बढ़ा है।

ऑगार बताते हैं कि बैंकों को 2008 में भारी करदाता बचाव पैकेज मिले थे, और अब वे कह रहे हैं कि आगे टैक्स बढ़ाने से उस संकट से उबरना खतरे में पड़ जाएगा जिसे उन्होंने खुद बनाया — एक 'हम जीतते हैं, आप हारते हैं' स्थिति। इंग्लैंड का बैंक वाणिज्यिक बैंक आरक्षित निधियों पर अधिक ब्याज देता है जबकि उसकी एसेट परचेज़ फैसेलिटी गिल्ट्स पर कम प्राप्त करता है, जिससे खजाने को नुकसान होता है। पूंजी पर रिटर्न कम करने से मध्यम टैक्स बढ़ोतरी को अवशोषित किया जा सकता है जबकि लोन देना जारी रखा जा सकता है।

菲利普·奥加尔质疑英国银行是否'太大而不能征税'，因为他们在10月28日预算之前游说财政大臣约翰·希利。该行业声称其已缴纳47%的总税，而美国为28%，一些欧盟国家低于40%，警告称更高税收将减少中小企业贷款并将业务推向海外。摩根大通的杰米·戴蒙，正计划在金丝雀码头建设30亿英镑总部，警告首相安迪·伯纳姆将出现'不利后果'。伦敦市公司敦促希利'不要造成伤害'，即'不再增加行业特定税'。

奥加尔认为，银行的论点因自2022年利率上升以来的非凡盈利能力而被削弱。巴克莱、西门子和劳埃德从2025年利润中向股东返还了近120亿英镑，环境隔离的英国银行报告的股本回报率超过20%。富时350银行指数年内上涨30%。

奥加尔指出，银行在2008年获得了巨额纳税人救助，现在却主张进一步征税将危及他们自己制造的危机的复苏 — — 一种'我们赢，你输'的情景。英格兰银行对商业银行准备金支付的利率高于其在资产购买设施 gilt 上获得的利率，导致国库损失。降低资本回报率可以吸收适度的税收增加，同时维持贷款。

关键实体：公司：摩根大通，巴克莱，西门子，劳埃德，汇丰，伦敦市公司，英格兰银行 | 人物：菲利普·奥加尔，约翰·希利，杰米·戴蒙，安迪·伯纳姆，斯图尔特·古利弗 | 地点：金丝雀码头，伦敦，英国，美国，欧盟，一方英里