英のThe Guardianに、Lloyd is a zombie bank that serves no oneという記事が掲載されていました。
A Zombie Bank refers to a bank with a net worth which is less than zero, but which continues to operate because of implicit or explicit government guarantee. Zombie banks are a key factor in causing silent bank run, since the reliability of the government guarantee can be called into question when a significant number of banks are in distress.
The prancing black horse is becoming a knackered nag, the symbol of a bank whose remaining market capitalisation neatly matches the £10bn losses incurred by its new stablemate HBOS. Shares in Lloyds bounced around yesterday - down 22% at the start and 8% by the close - while it lingers somewhere between private and state ownership, a zombie bank serving no one. The chancellor, his deputy and the bank insist that nationalisation can be avoided. Some in the City agree: "HBOS has now been big-bathed and few material further losses will emerge," said one analyst yesterday. Others expect Lloyds to join RBS in taxpayer majority ownership. Meanwhile, politicians are hectoring Lloyds about bonuses while a Tory opposition that backed its shotgun marriage with HBOS in the autumn now declares it to have been a disaster - and inevitably all Gordon Brown's fault.