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Banks only determine the amount of credit they make available to small businesses, which has been increasing as reported in the lending commitment numbers.
That transaction increased A.I.G.'s borrowings from its New York Fed lending commitment to a total of $21 billion, from $17.9 billion at the end of the year.
If in the following year, the bank raises the customer's line of credit to $75,000, that would be an increase of $25,000 which would be reported as part of measuring success against the lending commitment referred to by Ms. Mills.
By putting the stock of Asian and worldwide life insurance units into the new special-purpose entities, the company said it was accomplishing two things: taking them off the auction block until the industry recovered and better offers came forward, and paying back a portion of the roughly $38 billion drawn down from its total $60 billion lending commitment from the Fed.
"Comparing the SBA small-business lending commitment number to the FDIC number is a case of apples and oranges," Seshadri said.
"The Small Business Administration defined the small-business lending commitment last summer as capital provided to a business with annual revenues under $20 million," she said.
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Lending commitments from the World Bank and the IDA amounted to $23.6bn£11.9bnbn) in 2006.
Private equity firms walked away or slashed offer prices, while banks performed contortions to get out of lending commitments.
The deal is not subject to financing, and Zayo has received lending commitments from its advisers, Morgan Stanley and Barclays Capital.
The Royal Bank of Scotland said chief executive Stephen Hester's pay was already linked to all lending commitments, including the target for SME lending.
A Treasury spokesman said: "These lending commitments will be part of the performance metrics of each bank's chief executive and senior managers responsible for business lending.
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