这是银行始料未及的，他们发现他们的贷款额在不断膨胀。

Much as they would have wished otherwise, Banks found their loan books expanding.

而支行本身必须查询每一项贷款的风险和贷款额，用以计算该支行的平均风险。

The branch itself has to go through each loan to get its risk and the amount of its loan so it can calculate the average risk for the branch.