You could mark a loan to market, or book it at amortized cost. But either way, the loan's real value might not get fully captured.

With the emphasis in banking turning from credit costs to cross-selling, bankers are less interested in lending than in building relationships. And they are willing to use commercial and corporate loans to attract deposits from borrowers, or to generate revenue in other parts of the business by offering trust, treasury, wealth management or capital markets services alongside the credit.

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