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

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?

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

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.

The question

Sentence 1: The bank pays 2% on £100 and lends it at 7%.

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	The	the	DET	Definite=Def PronType=Art	2 bank	det
2	bank	bank	NOUN	Number=Sing	3 pays	nsubj
3	pays	pay	VERB	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	root	root
4	2	2	NUM	NumForm=Digit NumType=Card	5 %	nummod
5	%	%	SYM	Number=Sing	3 pays	obj
6	on	on	ADP	_	7 £	case
7	£	£	SYM	_	5 %	nmod
8	100	100	NUM	NumForm=Digit NumType=Card	7 £	nummod
9	and	and	CCONJ	_	10 lends	cc
10	lends	lend	VERB	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	3 pays	conj
11	it	it	PRON	Case=Acc Gender=Neut Number=Sing Person=3 PronType=Prs	10 lends	obj
12	at	at	ADP	_	14 %	case
13	7	7	NUM	NumForm=Digit NumType=Card	14 %	nummod
14	%	%	SYM	Number=Sing	10 lends	obl
15	.	.	PUNCT	_	3 pays	punct

#	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

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.

Sentence 2: If the borrower never pays back the £100, roughly how does the bank do?

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	If	if	SCONJ	_	5 pays	mark
2	the	the	DET	Definite=Def PronType=Art	3 borrower	det
3	borrower	borrower	NOUN	Number=Sing	5 pays	nsubj
4	never	never	ADV	PronType=Neg	5 pays	advmod
5	pays	pay	VERB	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	16 do	advcl
6	back	back	ADV	_	5 pays	advmod
7	the	the	DET	Definite=Def PronType=Art	8 £	det
8	£	£	SYM	_	5 pays	obj
9	100	100	NUM	NumForm=Digit NumType=Card	8 £	nummod
10	,	,	PUNCT	_	16 do	punct
11	roughly	roughly	ADV	_	16 do	advmod
12	how	how	ADV	PronType=Int	16 do	advmod
13	does	do	AUX	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	16 do	aux
14	the	the	DET	Definite=Def PronType=Art	15 bank	det
15	bank	bank	NOUN	Number=Sing	16 do	nsubj
16	do	do	VERB	VerbForm=Inf	root	root
17	?	?	PUNCT	_	16 do	punct

#	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

Option 1 · ← Mova's choice

It still makes its £5 profit as normal

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	It	it	PRON	Case=Nom Gender=Neut Number=Sing Person=3 PronType=Prs	3 makes	nsubj
2	still	still	ADV	_	3 makes	advmod
3	makes	make	VERB	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	root	root
4	its	its	PRON	Case=Gen Gender=Neut Number=Sing Person=3 Poss=Yes PronType=Prs	7 profit	nmod:poss
5	£	£	SYM	_	7 profit	compound
6	5	5	NUM	NumForm=Digit NumType=Card	5 £	nummod
7	profit	profit	NOUN	Number=Sing	3 makes	obj
8	as	as	ADP	_	9 normal	case
9	normal	normal	ADJ	Degree=Pos	3 makes	obl

#	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

It makes even more, because unpaid loans earn double

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	It	it	PRON	Case=Nom Gender=Neut Number=Sing Person=3 PronType=Prs	2 makes	nsubj
2	makes	make	VERB	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	root	root
3	even	even	ADV	_	4 more	advmod
4	more	more	ADJ	Degree=Cmp	2 makes	obj
5	,	,	PUNCT	_	9 earn	punct
6	because	because	SCONJ	_	9 earn	mark
7	unpaid	unpaid	ADJ	Degree=Pos	8 loans	amod
8	loans	loan	NOUN	Number=Plur	9 earn	nsubj
9	earn	earn	VERB	Mood=Ind Number=Plur Person=3 Tense=Pres VerbForm=Fin	2 makes	conj
10	double	double	ADJ	Degree=Pos	9 earn	obj

#	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

It loses money, since £100 lent is gone and only small interest was earned

The tree, 15 words

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	It	it	PRON	Case=Nom Gender=Neut Number=Sing Person=3 PronType=Prs	2 loses	nsubj
2	loses	lose	VERB	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	root	root
3	money	money	NOUN	Number=Sing	2 loses	obj
4	,	,	PUNCT	_	10 gone	punct
5	since	since	SCONJ	_	10 gone	mark
6	£	£	SYM	_	8 lent	compound
7	100	100	NUM	NumForm=Digit NumType=Card	6 £	nummod
8	lent	lent	NOUN	Number=Sing	10 gone	nsubj
9	is	be	AUX	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	10 gone	cop
10	gone	gone	ADJ	Degree=Pos	2 loses	parataxis
11	and	and	CCONJ	_	13 small	cc
12	only	only	ADV	_	13 small	advmod
13	small	small	ADJ	Degree=Pos	10 gone	conj
14	interest	interest	NOUN	Number=Sing	16 earned	nsubj
15	was	be	AUX	Mood=Ind Number=Sing Person=3 Tense=Past VerbForm=Fin	16 earned	aux:pass
16	earned	earn	VERB	Tense=Past VerbForm=Part Voice=Pass	10 gone	advcl

#	verb	tense, mood	who	what, whom	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

It breaks even, because the saver pays for it

The words, one row each (CoNLL-U)

#	word	lemma	UPOS	features	head	relation
1	It	it	PRON	Case=Nom Gender=Neut Number=Sing Person=3 PronType=Prs	2 breaks	nsubj
2	breaks	break	VERB	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	root	root
3	even	even	ADV	_	2 breaks	advmod
4	,	,	PUNCT	_	8 pays	punct
5	because	because	SCONJ	_	8 pays	mark
6	the	the	DET	Definite=Def PronType=Art	7 saver	det
7	saver	saver	NOUN	Number=Sing	8 pays	nsubj
8	pays	pay	VERB	Mood=Ind Number=Sing Person=3 Tense=Pres VerbForm=Fin	2 breaks	conj
9	for	for	ADP	_	10 it	case
10	it	it	PRON	Case=Acc Gender=Neut Number=Sing Person=3 PronType=Prs	8 pays	obl

#	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

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.

This page in Markdown → https://md.mova.elamur.ai/free/en/corpora/questions/money/28-what-a-bank-does-with-your-money/t11/