This ensures that we can never get the situation where spurious tuples are generated, as for any value on the join attributes there will be a unique tuple in one of the relations.
Branch-schema = (bname, bcity, assets)
Loan-info-schema = (bname, cname, loan#, amount)
bname bname assets bcity
Loan-schema = (bname, loan#, amount)
Borrow-schema = (cname, loan#)
loan# amount bname
This is also a lossless-join decomposition.