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Author Topic: How the Bank works to make money?  (Read 2343 times)
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October 11, 2018, 07:46:56 PM
 #261

How do you think banks make money, how does a bank make money to pay its employees and business operational?
Does the bank rely solely on interest on loans from banks?

A bank is a credit institution that attracts money from individuals and legal entities for a fee. The funds accepted as a deposit are issued in the form of a loan to another client, who undertakes to return them within the period specified in the contract.
In this case, the borrower pays interest for the use of other people's money.
For example, an individual's deposit was placed at the rate of 7% per annum. A loan for the same amount was issued at 19% per annum. We get 12% of bank income.
Of these funds pay for the maintenance of the office, the salary of employees, but most falls into the bank's profits.
At this, the bank also receives money:
Stock market and securities
Earnings on currency exchange
Gold and coins
Bank fees
Penalties and fines

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October 11, 2018, 08:06:42 PM
 #262

From my point of view, banks make money through the services they render to we the customers who save our money with. As we save with them, they deduct a certain amount of money from our savings. Again, banks lease out the money customers save with them and through that, they gain some interest from loaning out money to others. Customers are being charged some fees for using banks' resources such as the automated teller machines and others.

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October 11, 2018, 11:28:28 PM
 #263

Most of the banks money is just virtual - they do not exist. Banks make most of their money on interest differences between deposits and loans, they collect another large portion for just running bank accounts. There is still a large part of what they trade when they keep the money transferred from the account to account - yes - all delayed transfers mean that the bank uses your money to trade on exchanges with currencies.
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October 12, 2018, 09:03:08 AM
 #264

Banks earn money with products such as credit, insurance, and paid debit cards. In principle, I can’t say more about this anymore.

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October 12, 2018, 09:09:41 AM
 #265

There are many things that could be done with the deposits on their institution like lending it to someone and getting some interest on the money being lend, transaction fee deducted to every transaction being made by its client, and using it to day trade stock exchange market. There are more than this being stated so obviously bank has a lot of things to earn using the deposits of its client.

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October 12, 2018, 09:14:47 AM
 #266

From my point of view, banks make money through the services they render to we the customers who save our money with. As we save with them, they deduct a certain amount of money from our savings. Again, banks lease out the money customers save with them and through that, they gain some interest from loaning out money to others. Customers are being charged some fees for using banks' resources such as the automated teller machines and others.
They also make money out of interests, just like you said with loaning. They are using that to their advantage. I'm not sure if they have a central server dedicating,
the information they have on people but knowing such information would be crucial from them, they would know who has money and who does not have.

Most of the banks money is just virtual - they do not exist. Banks make most of their money on interest differences between deposits and loans, they collect another large portion for just running bank accounts. There is still a large part of what they trade when they keep the money transferred from the account to account - yes - all delayed transfers mean that the bank uses your money to trade on exchanges with currencies.
I think it's just numbered with corresponding users with what amount they have on an account, whether it is a savings type or a checking account, whatever.
They are the ones collecting a lot of money and they use that to invest in other ways, having a large sum amount of money could really be why banks are so strong.
Everything now is all about money, taking advantages of other people to profit from. Thankfully Bitcoin was invented.



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October 12, 2018, 09:33:52 AM
 #267

a bank is a fund-raising institution from a customer that later customers will get ease of transaction services using bank services. funds collected by banks are loaned to other customers in the form of loans with higher interest. banks benefit from the interest difference they run and this will continue to increase according to the circulation of money that comes out and goes into the bank

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October 12, 2018, 09:42:31 AM
 #268

I think banks make money from many different sources. As you know, every bank has thousands of users and they have to pay monthly fees, every year to use the services of the bank. In addition, the main source of income for the bank is the difference between interest rates on savings and loans. Therefore, they are always beneficial

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October 12, 2018, 09:54:33 AM
 #269

A bank is a fund-raising organization from which you send money. From there, your money will be invested in businesses to profit, or lend. You send as much money, the bank as "love" you. And even more extensive life insurance, it works just like a bank. That is why you often see banks and life insurance linked together.

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October 12, 2018, 10:21:12 AM
 #270

A bank is a fund-raising organization from which you send money. From there, your money will be invested in businesses to profit, or lend. You send as much money, the bank as "love" you. And even more extensive life insurance, it works just like a bank. That is why you often see banks and life insurance linked together.
Banks basically make money by lending money at rates higher than the cost of the money they lend. More specifically, banks collect interest on loans and interest payments from the debt securities they own, and pay interest on deposits.
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October 12, 2018, 10:38:12 AM
 #271

How do you think banks make money, how does a bank make money to pay its employees and business operational?
Does the bank rely solely on interest on loans from banks?

The Bank's the only financial institution the most widely used by the wider community, especially in overcoming financial problems, either by ways of saving, credit, investment or other financial activities.  If we look from the outside the bank seems to be very helpful to the community, they are willing to go to great lengths to save people's money, channel the money and even provide millions of ATMs which make it easier for customers to transact.  But basically, profits are what each bank prioritizes.

Each bank's identical to what's called interest. Interest's one of the bank's main income received from customers who have borrowed money. Actually what the bank loaned to its customers is money collected from its customers. That's where the bank benefits from interest. In this case, the bank doesn't use its money, because the bank's money has been used up by the government. Very cunning, isn't it?
Not only that, but the bank also has many other fields of business, for example: Confiscated Assets, Collateral Items (collateral), Transaction Services, Investment Funds, and Safe Deposit Boxes (SDB).
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October 12, 2018, 11:52:31 AM
 #272

Banks can make new money when they lend. New loans throughout the banking system create new deposits elsewhere in the system. This money is usually raised by lending behavior and decreases as loans are repaid faster than new loans are made.
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October 12, 2018, 12:44:34 PM
 #273

Banks live at the expense of funds invested in storage, while they increase this amount several times and give as a percentage to the borrower. Moreover, the borrower receives a very small part of the amount that the Bank earned on his money by issuing loans. also, banks earn doing currency exchange, insurance, sale of precious metals. These are not all ways of earning banks.

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October 12, 2018, 01:06:08 PM
 #274

Bank have the way to make money for their bank member money and loan for other and take much benefit from loaner to get more than their money borrow, this the way how bank could make money.

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October 12, 2018, 01:24:58 PM
 #275

How do you think banks make money, how does a bank make money to pay its employees and business operational?
Does the bank rely solely on interest on loans from banks?

Banks get their profit thru in every transactions fee of their client users, also they in my understanding, the savings of their customers they put it  in the stock exchange market to have an interest to use it in loaning program in my idea, of course each of their clients had its own percentage of savings and not all are the amount they have in the bank too. Also they have monthly charge to all of their customers as well.

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October 12, 2018, 03:32:54 PM
 #276

The traditional way of making money in banks are the ones we all know of us, mainly insurance ,loans and other traditional services.

The thing that less of us know is that banks often make their own investments with the money deposited by poeple, they buy bonds,stock and more. often the owners of banks make risky investments and there has been several occasions when banks lose their money and go bankrupt because of it.

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October 12, 2018, 03:36:33 PM
 #277

Banks make money by investing clients money that they deposit and by selling loans to the customers.
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October 12, 2018, 04:15:56 PM
 #278

How do you think banks make money, how does a bank make money to pay its employees and business operational?
Does the bank rely solely on interest on loans from banks?
banks as financial centers will find ways to make money and there are several ways which of course can be done by banks, one of which is by utilizing funds that have been deposited into the bank by the customers of course the bank will play it by allocating it to loans for companies that will borrow funds at the bank, and of course the profits that will be obtained by the bank will be quite large.





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October 12, 2018, 10:37:52 PM
 #279

How do you think banks make money, how does a bank make money to pay its employees and business operational?
Does the bank rely solely on interest on loans from banks?

Based on what I read, Bank is a lending money to people with a higher rate of interest of the money they lend. Banks works is collecting interest to there loans and to the credit cards and debit cards. Banking has a rules and regulation when it comes to ATM processing, teller operations, loaning and so on. Bank can really helo the economy because of its process that could help our government.

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October 13, 2018, 12:23:32 AM
 #280

Banks buy money from people and companies and sell this money to others with a higher interest and commission. This is basic income. However, credit cards, insurance policies, account operating fees, transfer fees, mediate import and export transactions, banks take transaction fees and commissions from all types of transactions. In addition, government bonds, funds etc. invest in things like.


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