---
title: The bank pays 2% on £100 and lends it at 7%. If the borrower never p… — What a bank does with your money and w… · tree and pragmatics
description: The bank pays 2% on £100 and lends it at 7%. If the borrower never pays back the £100, roughly how does the bank do? Test 11 · ★★★ of lesson 28 «What a bank does with your money and why banks lend» of the money course of Mova's primary school, with the dependency tree and pragmatics of the question 
---

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# Test 11 · ★★★ · What a bank does with your money and why banks lend

<!-- .ven lang=en -->
The bank pays 2% on £100 and lends it at 7%. If the borrower never pays back the £100, roughly how does the bank do?

<!-- .vintro -->
**Mova's choice:** option 1 · **The right answer:** option 3 · wrong ✗ · **Who acts:** bank, borrower · **What happens:** pay, lend, not pay back, do · **To what, where:** bank

<!-- .vabout -->
This is test 11 · ★★★ of lesson 28 «What a bank does with your money and why banks lend» of the money course of Mova's primary school. The page gives the question's syntax tree — a dependency tree in the style of Universal Dependencies — and its pragmatics clause by clause, then the 4 options as the student saw them, each with its tree and pragmatics. Every text is parsed by Mova itself. How the student answered it, with the score of every option and why: [the test at school](https://md.mova.elamur.ai/free/en/school-run/money/28-what-a-bank-does-with-your-money/#t11).

## The question {#question}

<!-- .note -->
*Sentence 1:* The bank pays 2% on £100 and lends it at 7%.

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t11:1
# text = The bank pays 2% on £100 and lends it at 7%.
1	The	the	DET	DT	Definite=Def|PronType=Art	2	det	_	_
2	bank	bank	NOUN	NN	Number=Sing	3	nsubj	_	_
3	pays	pay	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
4	2	2	NUM	CD	NumForm=Digit|NumType=Card	5	nummod	_	SpaceAfter=No
5	%	%	SYM	NN	Number=Sing	3	obj	_	_
6	on	on	ADP	IN	_	7	case	_	_
7	£	£	SYM	$	_	5	nmod	_	SpaceAfter=No
8	100	100	NUM	CD	NumForm=Digit|NumType=Card	7	nummod	_	_
9	and	and	CCONJ	CC	_	10	cc	_	_
10	lends	lend	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	3	conj	_	_
11	it	it	PRON	PRP	Case=Acc|Gender=Neut|Number=Sing|Person=3|PronType=Prs	10	obj	_	_
12	at	at	ADP	IN	_	14	case	_	_
13	7	7	NUM	CD	NumForm=Digit|NumType=Card	14	nummod	_	SpaceAfter=No
14	%	%	SYM	NN	Number=Sing	10	obl	_	SpaceAfter=No
15	.	.	PUNCT	.	_	3	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **pay** | present | the bank |  |  |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent %=Asset |
| 2 | **lend** | present | the bank *not said here* | bank |  |  |  |  | vn give-13.1 «NP V NP»: agent=Agent it=Theme |

<!-- .note -->
One row per clause the reader finds. «not said here»: a role filled from the clause above. «roles by»: a VerbNet class and frame when one fits the verb, else the reader's rules on the tree.

<!-- .note -->
*Sentence 2:* If the borrower never pays back the £100, roughly how does the bank do?

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t11:2
# text = If the borrower never pays back the £100, roughly how does the bank do?
1	If	if	SCONJ	IN	_	5	mark	_	_
2	the	the	DET	DT	Definite=Def|PronType=Art	3	det	_	_
3	borrower	borrower	NOUN	NN	Number=Sing	5	nsubj	_	_
4	never	never	ADV	RB	PronType=Neg	5	advmod	_	_
5	pays	pay	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	16	advcl	_	_
6	back	back	ADV	RB	_	5	advmod	_	_
7	the	the	DET	DT	Definite=Def|PronType=Art	8	det	_	_
8	£	£	SYM	$	_	5	obj	_	SpaceAfter=No
9	100	100	NUM	CD	NumForm=Digit|NumType=Card	8	nummod	_	SpaceAfter=No
10	,	,	PUNCT	,	_	16	punct	_	_
11	roughly	roughly	ADV	RB	_	16	advmod	_	_
12	how	how	ADV	WRB	PronType=Int	16	advmod	_	_
13	does	do	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	16	aux	_	_
14	the	the	DET	DT	Definite=Def|PronType=Art	15	det	_	_
15	bank	bank	NOUN	NN	Number=Sing	16	nsubj	_	_
16	do	do	VERB	VB	VerbForm=Inf	0	root	_	SpaceAfter=No
17	?	?	PUNCT	.	_	16	punct	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **not** **pay back** *a condition, not said to happen* | present | the borrower |  |  |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent £=Asset |
| 2 | **do** | present · do-support | the bank |  |  |  |  | roughly *property* | vn act-114-1 «NP V»: agent=Agent |

## The options {#options}

### Option 1 · ← Mova's choice {#o1}

<!-- .ven lang=en -->
It still makes its £5 profit as normal

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t11:o1:1
# text = It still makes its £5 profit as normal
1	It	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	3	nsubj	_	_
2	still	still	ADV	RB	_	3	advmod	_	_
3	makes	make	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
4	its	its	PRON	PRP$	Case=Gen|Gender=Neut|Number=Sing|Person=3|Poss=Yes|PronType=Prs	7	nmod:poss	_	_
5	£	£	SYM	$	_	7	compound	_	SpaceAfter=No
6	5	5	NUM	CD	NumForm=Digit|NumType=Card	5	nummod	_	_
7	profit	profit	NOUN	NN	Number=Sing	3	obj	_	_
8	as	as	ADP	IN	_	9	case	_	_
9	normal	normal	ADJ	JJ	Degree=Pos	3	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **make** | present | It | its £ profit |  |  | still | as normal | vn build-26.1-1 «NP.material V NP»: agent=Material profit=Product |
| 2 | **profit** |  | its *= it* |  |  |  |  |  | nom profit «possession intransitive»: poss=agent |

### Option 2 {#o2}

<!-- .ven lang=en -->
It makes even more, because unpaid loans earn double

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t11:o2:1
# text = It makes even more, because unpaid loans earn double
1	It	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	2	nsubj	_	_
2	makes	make	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	even	even	ADV	RB	_	4	advmod	_	_
4	more	more	ADJ	JJR	Degree=Cmp	2	obj	_	SpaceAfter=No
5	,	,	PUNCT	,	_	9	punct	_	_
6	because	because	SCONJ	IN	_	9	mark	_	_
7	unpaid	unpaid	ADJ	JJ	Degree=Pos	8	amod	_	_
8	loans	loan	NOUN	NNS	Number=Plur	9	nsubj	_	_
9	earn	earn	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	2	conj	_	_
10	double	double	ADJ	JJ	Degree=Pos	9	obj	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **make** | present | It | more |  |  |  |  | vn build-26.1-1 «NP.material V NP»: agent=Material more=Product |
| 2 | **earn** | present | unpaid loans | double |  |  |  |  | vn get-13.5.1-1 «NP V NP»: agent=Agent double=Theme |

### Option 3 · ✓ the right answer {#o3}

<!-- .ven lang=en -->
It loses money, since £100 lent is gone and only small interest was earned

<!-- fold The tree, 15 words -->
```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t11:o3:1
# text = It loses money, since £100 lent is gone and only small interest was earned
1	It	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	2	nsubj	_	_
2	loses	lose	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	money	money	NOUN	NN	Number=Sing	2	obj	_	SpaceAfter=No
4	,	,	PUNCT	,	_	10	punct	_	_
5	since	since	SCONJ	IN	_	10	mark	_	_
6	£	£	SYM	$	_	8	compound	_	SpaceAfter=No
7	100	100	NUM	CD	NumForm=Digit|NumType=Card	6	nummod	_	_
8	lent	lent	NOUN	NN	Number=Sing	10	nsubj	_	_
9	is	be	AUX	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	10	cop	_	_
10	gone	gone	ADJ	JJ	Degree=Pos	2	parataxis	_	_
11	and	and	CCONJ	CC	_	13	cc	_	_
12	only	only	ADV	RB	_	13	advmod	_	_
13	small	small	ADJ	JJ	Degree=Pos	10	conj	_	_
14	interest	interest	NOUN	NN	Number=Sing	16	nsubj	_	_
15	was	be	AUX	VBD	Mood=Ind|Number=Sing|Person=3|Tense=Past|VerbForm=Fin	16	aux:pass	_	_
16	earned	earn	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	10	advcl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **lose** | present | It | money |  |  |  |  | vn succeed-74-3-1 «NP V NP»: agent=Agent money=Eventuality |
| 2 | **is** | present | £ lent |  |  |  |  | gone *property* | tree rules |
| 3 | **be** |  | £ lent *not said here* |  |  |  |  |  | tree rules |
| 4 | **earn** | past · passive |  | interest |  |  |  |  | vn get-13.5.1-1 «NP V NP»: subject=Theme |

### Option 4 {#o4}

<!-- .ven lang=en -->
It breaks even, because the saver pays for it

```conllu
# sent_id = question:money:28-what-a-bank-does-with-your-money:t11:o4:1
# text = It breaks even, because the saver pays for it
1	It	it	PRON	PRP	Case=Nom|Gender=Neut|Number=Sing|Person=3|PronType=Prs	2	nsubj	_	_
2	breaks	break	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	even	even	ADV	RB	_	2	advmod	_	SpaceAfter=No
4	,	,	PUNCT	,	_	8	punct	_	_
5	because	because	SCONJ	IN	_	8	mark	_	_
6	the	the	DET	DT	Definite=Def|PronType=Art	7	det	_	_
7	saver	saver	NOUN	NN	Number=Sing	8	nsubj	_	_
8	pays	pay	VERB	VBZ	Mood=Ind|Number=Sing|Person=3|Tense=Pres|VerbForm=Fin	2	conj	_	_
9	for	for	ADP	IN	_	10	case	_	_
10	it	it	PRON	PRP	Case=Acc|Gender=Neut|Number=Sing|Person=3|PronType=Prs	8	obl	_	_
```

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **break** | present | It |  |  |  |  |  | vn hurt-40.8.3-1-1 «NP V»: agent=Patient |
| 2 | **pay** | present | the saver |  |  |  |  | for it | vn pay-68-1 «NP V NP PP.theme»: agent=Agent for it=Theme |

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**Text:** the tests of Mova's primary school, written for Mova (`world/data/school/`), as the course runner gave them to the student. **Trees:** Mova's own parse — the `en` model on the CPU, when the site is built — not checked by a teacher; they may be wrong. **Frames:** Mova's frames reader (`prag`), each text read on its own. Elamur Cosmic License.

<!-- /div -->

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