According to Credit Suisse, there is "little to excite" investors in UK banking: Barclays remains the broker's top pick in the sector, while target prices are reduced for Lloyds, RBS, HSBC and Standard Chartered.In regards to the sector as a whole, "our advice is unchanged", says analyst John Pierce. "Liquidity and capital requirements will, in turn, lead to another year of sluggish loan growth across the sector in our view ... Combined with further shrinkage in the balance sheet of the building societies and the international banks ... we expect little if any credit generation in the UK economy in 2011," Pierce said.Credit Suisse highlights Barclays as its favoured lender as it offers a hedge against rising interest rates. The bank is given an 'outperform' rating and the target price of 355p remains unchanged.The broker says that for Lloyds, the downside is limited, but it thinks that a "realistic assessment of earnings power (specifically revenues) and capital distribution (Basel 3 and sub-debt dividend stoppers) is needed before the shares can perform." While Lloyds is also given an 'outperform' rating, the target price is lowered from 79p to 76p.RBS has underperformed the European banks sector by 10% since October but the broker notes that it does not see this as a buying opportunity. A 'neutral' stance is given, and the target price is cut to 46p, from 52p.While 'outperform' ratings are given to both Standard Chartered and HSBC, Credit Suisse has a preference for the latter as it "offers a simple combination of balance sheet strength and positive exposure to rising rates." Standard Chartered's target price is cut from 2,200p to 1,870p, and HSBC's is reduced to 775p, from 810p.