How will banks recoup their dented profit margins?

The banks always find various ways to recoup losses through their customers.  When credit card charges had to be reduced from as high as £39 to £12, some responded by tagging on an annual fee, some have already started fining customers who are in credit and other like RBS reduced the interest free period their customers have before payments are due.  And there have been many others setbacks; mortgage exit fees, miss-sold Payment Protection Insurance (PPI), various bank account charges, and now the US sub-prime mortgage crisis.  They have already started by increasing mortgage arrangement fees to as high as 4% of the loan.  The banks are very shrewd in finding various ways to pass the buck!

Northern Rock entices savers and puts off borrowers

For the past two weeks, the bank has been offering loyalty bonuses to savers and increased rates to a range of savings accounts.  But on the other hand, it has withdrawn mortgages, loans, credit card, and increased borrowing rates to rediculous highs with huge arrangement fees.  Obvious signs that its trying to recoupe some of its loses after its savers decided to match away with their money in toe back in October.  It has since then borrowed more money from the Bank of England to the tune of £29bn.  The move has pushed some of its savings products up the best buy tables and deterred mortgage brokers with fixed rates starting from 6.79% on 90% LTV with arrangement fee of £1,995.  As a good loyal Northern Rock mortgage customer, I will have to match off too unless they sort this out.