1.   If the banks raise interest rates, this will reduce the demand for credit.

2.   Small banks are raising them in an attempt to steal customers from their bigger rivals.

3.   The bank has raised interest rates for the third time this year.

4.   The merchant banks raise capital for industry.

5.   Already, foreign banks are raising their charges on loans to Japanese banks, and in some cases they are trimming credit to them.

6.   As loan demand grew, banks raised reserves for future losses and saw credit losses rise.

7.   Banks raise funds in the interbank market to buy bonds.

8.   Banks raise funds in the interbank market to buy bonds, but concern over their financial health has made it more expensive for them to do so.

9.   Banks usually raise funds in the interbank market to buy bonds, but worry over their financial health has made it more expensive for them to do so.

10.   A Citibank spokeswoman said the bank raised late fees to force those who pay their bills late to cover the cost of going after them.