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Banking consultant Abimbola Agbalu tells me that he has to live at his grandmother's house, because renting his own place would be too expensive. Image caption Some housing projects remain unoccupied because they are pricey "If I wanted to rent a house where I would prefer in Lagos I would be spending at least 80% of my pay cheque to move in because I would have to pay two years' rent upfront, agency fees and maintenance fees. "And from then on I would have to spend another 60-70% of my pay cheque every year on rent, which doesn't make sense. "The problem is not that there are no houses. If

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And Mr Gulliver explained that HSBC was helped by the fact that it already had a bank established within the EU as it had bought Credit Commercial de France in 2002. But he said the position for other banks was different. "Some of our other fellow bankers have to make decisions pretty quickly now - given that the UK said it will come out of the single market - about applying for banking licenses in some of the EU countries. We don't have to do that," he said. Last week, the chairman of HSBC, Douglas Flint, told a committee of MPs that 1,000 jobs at his bank's London offices would move to France

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