In their first major report since the summer's reduction in borrowing rates, banks will reveal whether Britons have benefited from the lower interest rate.

Investors are keen to know if the rate cuts announced in July have been passed onto mortgage and loan clients. Barclays NatWest and Lloyd's will all be reporting their third-quarter results next week.

Analysts say that the bank's net interest margin, which is the difference between what the bank receives as deposits and the amount it lends out, has reached its peak. This marks the end of a period of booming bank profits.

This comes on the heels of the Bank of England cutting the base rate in July from 5.25% to 5%, which is expected to have an impact for the borrowers but will also affect the lenders' profit margins.

Lloyds (which also owns Halifax) is expected to announce a profit of £1.6bn for the quarter ending September. This compares to £1.9bn a year ago.

Barclays will announce earnings up to £2 billion from £1.9 billion. NatWest is expected to post £1.5 billion from £1.3 billion.

Investors also examine the growth of loans and deposits, asset impairments and litigation costs, as well as cash return to investors