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"Splitting the bank was supposed to generate lending, but the new bank lent only £9.1bn against a target of £15bn," Hodge said.
If the industry continues to bifurcate, the companies that generate lending assets will be able to pay more for deposits than those which just take deposits and have to buy Treasury securities.
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The quantitative data set it generated lends itself well to Lieberman's (2005) 'nested analysis' – a 'pure mixed' methods study that complements, confirms and provides direction to our next steps (initiation).
As we know, lending generates more lending and who knows how many trillions this US trade deficit have ballooned to every year.
"We want the American taxpayers' assistance going to generate greater lending, not providing excess compensation".
Instead, banks will have to submit plans explaining how they intend to "preserve or generate new lending".
It is well known that a major prong of the rescue operation following the banking crash - the Bank of England's £375bn quantitative easing scheme - was designed to generate bank lending, pumping fresh money into the economy.
Profits can be lower for market makers in transparent markets, and while institutional investors share in the profits generated by lending their shares, individual investors generally do not.
That, in turn, is supposed to generate spending and lending.
In addition to applying for a full banking license in its own right — meaning that it will be able to generate revenue through lending out bank deposits — Mondo is busy writing its own full stack banking software from scratch.
In contrast, mortgages might generate 5% and unsecured lending closer to 10%.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com