Give them four years and then make them decide what business they want to be in and sell the other parts.
I say merge them all into one giant bank called Thebank or T for short. They can loan money to anyone at zero percent interest and sell securities called "T-Bills" to raise the money. Or just print it, doesn't matter. Then each of us taxpayers can sell credit default insurance on those T-Bills. But instead of sending money if T defaults, since we probably won't have any, we can all send a couple pints of blood or an extra organ that we don't really need.