21.   The fall is hurting many Russian banks, which would rather use deposits to earn sure-fire returns on bills than to make risky loans to businesses.

22.   The move cut off a lucrative source of profits that had helped banks augment unpredictable cash flow from risky loans to shaky Russian businesses.

23.   The recovery of bad loans allowed Argentaria to provision less funds to protect against default without reducing its overall protection against its risky loans.

24.   The reform package unveiled today requires banks and finance companies to increase their ratio of capital to risky loans.

25.   The suit claims the bank has regularly underwritten risky loans and illegally destroyed evidence to cover up the practice.

26.   These standards fall each time a bank makes a risky loan.

27.   U.S. regulators are probing allegations that Sumitomo Bank of California broke federal banking laws by hiding risky loans, said a spokesman for the Federal Deposit Insurance Corp.

28.   Upgrading problem loans let Sumitomo reduce the amount of money it was required to set aside against risky loans, the plaintiffs said.

29.   Whose penchant for risky loans nearly caused a financial meltdown?

30.   Banks have an incentive to take risks because risky loans have higher rate of returns although funds at risk belong to depositors.