The profit channels of banks include loans, bank insurance, sales of wealth management fund products, sales of financial equipment, consumption profit of financial intelligent terminal business, hedging business, bill business and so on. At present, the profit ratio of most domestic banks is: loan 30%, bank insurance 10%, wealth management fund product sales 10%, financial instrument sales 5%, financial intelligent terminal business consumption 30%, hedging business 5% and bill business.
10%, etc. At present, the profit ratio of foreign banks is: loan 15%, bank insurance 15%, wealth management fund product sales 15%, financial instrument sales 10%, and financial intelligent terminal business consumption is profitable.
35%, hedging business 5%, bill business 5%, etc.