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Additional Details
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aeg22 | How does a bank make money? Where will all our money go? Where will they invest them? |
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Feeling Mutual
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When you deposit money, they can lend it out again, and often at over 10% interest. They can lend out 10 to 20 times as much money as they actually have.
They also make a lot on charging fees and penalties. |
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cjones1303
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Most banks follow the 2-3-4 rule. Pay you 2% interest on your deposits, charge 3% on their loans, and on the golf course by 4. |
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Scotty Gecko
 |
banks make money by charging interest on loans. How a bank invests its money is heavinly regulated by federal law and regulations |
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2shay
 |
Banks make the most money off me. Unfortuanalty, They take advange of people with bad credit and charge them 23% interest on loans.
Not to mention every time you overdaft out of your acct. $36. Well when you have 10 Checks or debt transacations all under $5 each but you have a fee for $36 that is $360.
I currently owe Commerce bank and US Bank over $400 in fees. |
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Frank Castle
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1) They borrow $100.00 from the Government at 5% and they lend you $100.00 at $10%
2) They lend your money too.
3) Banks don't have any money to invest. |
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Ken C
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Ok, that is a very complicated question.
Obviously they make money on loans. On regular consumer deposits, they loan that out primarily for home loans. You deposit into your savings, C.D. or something 1%to5% and they loan it out for 5% to 10%. Remember your deposit is insured t0 $100,000 and sometimes more. The Bank has to pay the FDIC to insure that money. It costs the Bank about 1.25% of all deposits to do that.
Most of the money a Bank makes is in areas the everyday person dosn't even know exists. You don't see a your neighborhood Retail Branch.
It has to do with Commercial Lending, Leasing to Corporations, Hedging Interest rates on loans. Investment Banking, Investment divisions, Small Business loans. Let's not forget Credit Cards. Huge. They make money a few ways there. Every time you use your Visa, M.C. or other credit card from your bank, the merchant pays part of the price to the bank. Usualy between .25% to as high as 4%. Then they make money on the interest you pay them. I know everyone likes to bash banks on interest rates, but think about it. It is an unsecure line of credit, no collateral, fraud protection, you are not responssible for charges on your lost or stolen cards, and a huge bank wil probably have to write of about 5% of all credit card charges because people don't pay. So we pay higher interest rates because other people don't pay their bills or file BK.
They underwrite the costs of your favorite movies.
This is only a small list of how a bank makes money (or loses it).
Kind of a long answer. But no, banks are not there to rip you off. They are highly regulated as to how they can loan money. |
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carpetrug01
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by giving out loans with interest.
They keep the amount of money that you have on file, but they take the cash that you deposit into your account so they can redistribute it to others or replace the bills if they are old. |
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robin0408
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Banks lend to other people (i.e. mortgages, car loans, student loans) that earn interest. At the end of the day, a bank must have enough cash on reserve to cover it's account holders and if they are short, they borrow money overnight from another bank, with interest of course.
Plus all the millions of other places to invest money, but those are the most common for regular banks or savings & loans. |
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M_O_B....im king....
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The bank makes money by lending the money that you give them , except they charge huge intrests. Your money goes to the people/bussiness the bank lends to . |
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