Sorry. Banks do not make x money off deposits or x money off loans. It is the spread between the rate they lend money at and the rate they pay on deposits. You add to that fees etc and take away charge offs of bad loans and operating expenses, but the core is managing the spread between your loans and funds (ditsoips).Resk taking is in there and that their compensation system never manages correctly at the Wall Street level. I am now enjoying managing at the credit union level.

by Keli 03:28:48 AM 2016.07.20