-->>"When the economy begins to slow and the quality of some booked loans deteriorates, as in the current cycle, loan standards belatedly tighten. New loan applications that earlier would have been judged creditworthy, especially since the applications are now being based on a more cautious economic outlook, are nonetheless rejected, when in retrospect it will doubtless be those loans that would have been the most profitable to the bank.
>Such policies are demonstrably not in the best interests of banks' shareholders or the economy. They lead to an unnecessary degree of cyclical volatility in earnings and, as such, to a reduced long-term capitalized value of the bank. More importantly, such policies contribute to increased economic instability.2
>Aus:
>
>Testimony, 20. Juni 2001
Mamma Mia!
Nicht glanzVOLL für das Investment-Banking, wenig hoffnungsVOLL für die Banker
aber sehr schnell verlustREICH für eine ganze Branche und deren tausenden
von Produkten und Derivaten!

Fazit:
zweimal voll und einmal reich?
gar nicht toll nur viele Leich!

Emerald.