As fewer, more powerful and more complicated banks vie for business across the same landscape, their size will push them to make larger and larger loans to bigger and bigger borrowers to take advantage of their economies of scale.
But while these larger deals may grab the headlines, most transactions are nowhere near this size or take place in a landscape where there are just a few clear dominant players.
His includes a life-size terracotta army, a full orchestra with instruments and a river landscape with cranes, swans and geese - and archaeologists have barely begun the excavation.