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banking system

banking system
The banking system has evolved from a retain and hold to a buy and sell on business model to lever balance sheets and shareholder returns.
What do you understand by the terms retain and hold and buy and sell on as they relate to the banking system?. Define both concepts
how do banks use leverage to geneate returns for shareholders?
Define asset securitisation how did this process help to inflate bank lending but also amplift the financial instability of banks during the period 2008 to 2010.

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