---
title: Banks lend saved money to people and businesses and charge them inte… — What a bank does with your money and why banks l… · tree and pragmatics
description: Banks lend saved money to people and businesses and charge them interest; borrowers pay more interest than savers get. Who acts: Banks, borrowers, savers. A sentence of the lesson «What a bank does with your money and why banks lend» of the money course of Mova's primary school with its dependency t
---

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# What a bank does with your money and why banks lend, sentence 4

<!-- .ven lang=en -->
Banks lend saved money to people and businesses and charge them interest; borrowers pay more interest than savers get.

<!-- .vintro -->
**Who acts:** Banks, borrowers, savers · **What happens:** lend, save, charge, pay, get · **To what, where:** saved money, people, interest, more interest

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This is a sentence of the lesson «What a bank does with your money and why banks lend» of the money course of Mova's primary school. The page gives its syntax tree — a dependency tree in the style of Universal Dependencies — and its pragmatics clause by clause: who acts (Banks, borrowers, savers), what happens, when and where, as Mova's frames read it from the tree.

## The tree {#tree}

```conllu
# sent_id = school:money:028-what-a-bank-does-with-your-money.lesson:4
# text = Banks lend saved money to people and businesses and charge them interest; borrowers pay more interest than savers get.
# source = school lesson (ours)
# course = money
# lesson = 028-what-a-bank-does-with-your-money.lesson
# annotation = Mova annot: Rust (en) → Haiku 5.5 (medium, Batches API) patches; gates UD 2.18; agreed by treeagree rules (Stanza, Trankit, spaCy trf): R6-punct-agree ×1, R8-pos-agree ×1
1	Banks	bank	NOUN	NNS	Number=Plur	2	nsubj	_	_
2	lend	lend	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	0	root	_	_
3	saved	save	VERB	VBN	Tense=Past|VerbForm=Part|Voice=Pass	4	amod	_	_
4	money	money	NOUN	NN	Number=Sing	2	obj	_	_
5	to	to	ADP	IN	_	6	case	_	_
6	people	people	NOUN	NNS	Number=Plur	2	obl	_	_
7	and	and	CCONJ	CC	_	8	cc	_	_
8	businesses	business	NOUN	NNS	Number=Plur	6	conj	_	_
9	and	and	CCONJ	CC	_	10	cc	_	_
10	charge	charge	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	2	conj	_	Agree=R8-pos-agree|Haiku=2:conj|HaikuPos=VERB:VB:VerbForm=Inf
11	them	they	PRON	PRP	Case=Acc|Number=Plur|Person=3|PronType=Prs	10	iobj	_	_
12	interest	interest	NOUN	NN	Number=Sing	10	obj	_	_
13	;	;	PUNCT	,	_	2	punct	_	_
14	borrowers	borrower	NOUN	NNS	Number=Plur	15	nsubj	_	_
15	pay	pay	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	2	parataxis	_	_
16	more	more	ADJ	JJR	Degree=Cmp	17	amod	_	_
17	interest	interest	NOUN	NN	Number=Sing	15	obj	_	_
18	than	than	SCONJ	IN	_	20	mark	_	_
19	savers	saver	NOUN	NNS	Number=Plur	20	nsubj	_	_
20	get	get	VERB	VBP	Mood=Ind|Number=Plur|Person=3|Tense=Pres|VerbForm=Fin	15	advcl	_	_
21	.	.	PUNCT	.	_	2	punct	_	Agree=R6-punct-agree|Haiku=3:punct
```

## Pragmatics {#pragmatics}

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- form: statement
- act: assert
- voice: narrator
- polarity: none
- teacher: kept the draft

<!-- .fr -->
| # | verb | tense, mood | who | what, whom | to whom | where | when | other | roles by |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| 1 | **lend** | present | Banks | saved money | people and businesses |  |  |  | vn give-13.1 «NP V NP PP.recipient»: agent=Agent money=Theme to people=Recipient |
| 2 | **save** | participle |  |  |  |  |  |  | vn get-13.5.1-1 «NP V NP»: agent=Agent |
| 3 | **charge** | present | Banks *not said here* | interest | people |  |  |  | vn bill-54.5-1 «NP V NP NP.asset»: agent=Agent they=Recipient interest=Asset |
| 4 | **pay** | present | borrowers | more interest |  |  |  |  | vn pay-68-1 «NP V NP»: agent=Agent interest=Asset |
| 5 | **get** | present | savers |  |  |  |  |  | vn comprehend-87.2-1 «NP V S\_ING»: agent=Experiencer |

<!-- .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.

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**Licence: [CC BY-SA 4.0](https://creativecommons.org/licenses/by-sa/4.0/)**, as the whole of Mova corpus 0.4, of which this treebank (the agreed school, `mova-school-agreed-en.conllu`) is part. The lessons were written for Mova's primary school. Sentence `school:money:028-what-a-bank-does-with-your-money.lesson:4`.

**The tree:** Mova annot: Rust (en) → Haiku 5.5 (medium, Batches API) patches; gates UD 2.18; agreed by treeagree rules (Stanza, Trankit, spaCy trf): R6-punct-agree ×1, R8-pos-agree ×1. **The frames** are read from the tree by Mova's frames reader (`prag`) when this page is built, the lesson read in order, so a pronoun may be resolved from an earlier sentence.

See the [release 0.4](https://md.mova.elamur.ai/free/en/releases/0.4/).

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