Money that is inactive, through the transfers of banking, now become active, and thus being capital. With the development of banks, bigger ones start to take over the smaller banks and begin a monopolize. Banks intensified the process of transformation of capital. Lenin describes the change of old capitalism compared to the new capitalism through the decrease interest of the Stock Exchange. A transgression of a free competition now becomes more monopolized.
Industries depend on the bank, and the bank then depends on the government and vice versa.
In a way the bank is becoming a industrial capitalist by concentrating on production and capital which will lead to a monopoly. Trust must be obtained from these banks. With their holdings, they are a part of the social life. Lenin describes imperialism as being the domination of finance capital. It is, that highest stage of capitalism at which this separation reaches vast proportions.