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For sheer entertainment, listen to Angela Knight, newish head of the , defending the banks’ record on lending to individuals who subsequently run into financial difficulties on this morning’s Today programme. She is the new face and voice of Britain’s banks. And gone, at a stroke, is the dull grey caution and equivocation of the typical banker or banking spokesperson.

I chatted with her the other day and was impressed by her willingness to engage in proper debate about what the banks do well, and what they don’t do so well.

But what’s particularly refreshing is the absence of anything namby-pamby about her. This morning she described a recent report by , the online service that advises on best consumer deals on assorted services, as “yet another load of rubbish out of U-Switch”. And then she chuckled. Sorry Angela, do you think you could tell us what you really think?