当国际银行家们因为发放了大批不良贷款而破产的时候，非洲银行家坚持采用老派方法来赚取利润：付给存款人很少的利息，同时通过购买有担保的政府债务来获得大额差价， 这些债务会带来健康稳定的回报。
While international bankers went bust by making legions of bad loans, African bankers stuck to earning profits the old-fashioned way: paying very little to depositors, and earning a big “spread” by buying guaranteed government debt, which yielded healthy returns.