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How do you "reap" income from deposits? Last I checked those were liabilities on the bank's balance sheet and while interest rates are at historic lows they represent an expense rather than income source. That's why banks talk in terms of cost of funds. Cost. Not income.
jwinkel - Income is reaped from deposits via fees - Overdraft fees, ATM fees, minimum balance fees, etc. Every account that is opened assumes an average income based on fees...not all accounts accrue the fees, but on average, an account is a net-positive for income because of them.
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