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What are the rules on bankers’ bonuses as chancellor wants to scrap cap?

Current limit means bankers can’t get a bonus of more than 200 per cent of their salary

Matt Mathers
Sunday 18 September 2022 07:42 EDT
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HBOS bankers criticised

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New chancellor Kwasi Kwarteng is reportedly considering whether to scrap a cap on bankers' bonuses.

Mr Kwarteng is said to believe that getting rid of the restrictions would grow the economy and make the City of London more attractive to global talent, bringing in further tax revenue.

The EU-era cap was introduced in 2014 in response to the financial crash some five years earlier, with member states complaining about excessive pay at a time when several governments introduced austerity measures.

The rules mean that bankers' bonuses must be capped at 100 per cent of their salary, or 200 per cent if shareholders agree.

According to the jobs website Prospects, the average starting salary for a corporate investment banker is between £30,000 and £40,000.

This rises to between £50,000 and £70,000 after three years, although those with significant experience may earn a base salary of up to £165,000.

Within the current rules, a banker on £165,000 could in theory be given a bonus of £330,000.

Some analysts argued that bankers' bonuses incentivised the sort of risk-taking behaviour that resulted in the 2008 financial meltdown.

But critics of the cap have claimed that firms have been able to get around it simply by paying bigger salaries.

(Getty Images/iStockphoto)

Earlier on Wednesday, Bank of England policy manager Andrew Sentance said getting rid of the cap now would fuel inflation.

For the financial year ending 2017, the last year for which Office for National Statistics data was available, the combined value of all bonuses paid to workers across all sectors in Great Britain was £46.4bn.

The largest contributor to that total was paid in the financial and insurance industries, which paid £15bn to their staff, or an average of £14,770 per person - around half of the average starting salary for a nurse.

That was down from £19bn for the 2007-8 financial year.

The chancellor has been warned that getting rid of the cap would be unfair to millions facing poverty and could repeat the blunders that lead to the 2008 financial crash.

The Trades Unions Congress (TUC) has criticised the move, saying it comes as real-term pay cuts have been imposed on public sector workers and while “millions are struggling to keep their heads above water”.

Mick McAteer, a former Financial Conduct Authority board member, said it was a “bad idea” that would encourage the aggressive risk-taking seen before the devastating 2008 crash.

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