Yayin da darajar kadarorin bankuna ke ta raguwa, dole ne a biya bashin da ke kan su yayin da hada-hadar lamuni na gajeren lokaci ke raguwa. A takaice, bankuna sun shiga cikin wani yanayi na durkushewa mai zurfi, inda dole ne a rage girman manyan lamuni da aka tara a cikin 'yan shekarun nan. Ko bankunan Turai masu tsaurin ra'ayi suna fuskantar irin wannan matsala, domin sun dogara sosai kan lamunin wata uku don kiyaye matsayinsu dangane da jarin dogon lokaci. Bugu da kari, asusun shinge (hedge funds), asusun zuba jari da kungiyoyi masu alaka da su suna fuskantar bukatun kiran ajiyar tsaro (margin calls) mai yawa kan matsayinsu na amfani da bashi, yayin da kasuwanni ke faduwa sosai, tare da yawan janye kudi daga asusunsu daga abokan ciniki, kowa na neman fita daga jirgin zuba jari da ke nutsewa.

While Bank asset values are evaporating, loan positions are having to be repaid as short term lending dries up. Effectively the banks are being caught in a downward spiral of deleveraging in which the massive loan positions built up in recent years have to be unwound. Even the more conservative European banks are facing the same problems as they rely heavily on three month loan financing to maintain their positions vis a vis their long term investments. Additionally the Hedge funds, investment funds and associated groups are facing heavy margin calls against their leveraged positions as the markets dramatically drop, added to high levels of customer withdrawals from their funds, as everyone clambers to get off the sinking investment ship.

Maimakon dogayen layukan jama'a a gaban ofisoshin banki a manyan titunan birane a Birtaniya da kuma titunan manyan biranen Amurka, zamanin intanet ya ceci bankuna daga wannan wulakanci. Duk da haka, masu ajiya sun kada kuri'arsu ta hanyar "danna" - suna fitar da kudadensu daga asusun banki da yawa, zuwa duk inda kuma ga duk wanda ake ganin shi ne mafaka mai aminci a lokacin hadari. Wannan gudu ne na bankuna wanda ba a iya gani sosai ba, amma illar sa ba ta yi kadan ba. Hadarin da ya taru - ragowar ajiyar kudi na raguwa, takaita bada bashi, manyan asarori da suka samo asali daga hanyoyin kasuwanci na derivatives, da kuma cikakken rashin amincewa game da wanda zai fadi na gaba - ya sa bankuna da dama suka kusa rushewa, ma'ana da yawa daga cikinsu sun zama masu fatara bisa ka'ida. Ba abin mamaki ba ne cewa shugabannin zartarwa nasu sun garzaya zuwa kofar gwamnatocinsu neman taimako.

Rather than queues around the corner from bank offices in the high streets of the UK and main streets of the US, the internet age has spared the banks from that indignity. Nevertheless deposit holders voted with their “clicks” moving money out of bank accounts on mass to wherever and whoever was seen as a safe port in the storm. A less visible run on the banks, yes, but no less devastating. A perfect storm of dropping deposit base, credit contraction, heavy derivative based losses and complete lack of confidence in who next might collapse meant that many banks were effectively on the brink of collapse, indeed many were technically bankrupt. It was no surprise that their Chief Executives beat a track to the door of their governments for help.