Until recently, Adelaide Bank "was unable to reflect market changes in pricing" due to technology systems issues, Bendigo and Adelaide Bank said on Friday.In the course of outlining rises in variable rate product interest rates of as much as 0.40 percentage points, the bank said "these changes reflect market changes to interest-only lending announced last year." Repeat: last year.The  bank said it "had been unable to reflect these market changes in pricing and with this system capability now enabled, repricing on our existing interest only lending will reflect that seen in the market last year when interest-only lending restrictions were announced."Adelaide Bank said it would be increasing variable rates on existing customer loans effective from Friday 7 September by 12 basis points for principal and interest loans, both for owner occupied and investment loans. The kicker is for interest only loans, with a rate rise of 35 bps for owner-occupied and 40 bps for investors.Suncorp Bank will also hike most variable rate home and small business loans by 17 bps and 10 bps, from September 14.