What are the main sources of income for banks?

The income sources of bank accounts mainly include: operating income, other business income, non-operating income, bank loans, loans from other companies or individuals, accounts received in advance, financial subsidy income, etc.

Bank operating income includes: main business income and non-main business income. The main operating income includes: interest income, interest income between financial institutions, fee income, etc. Non-main business income includes: gold and silver trading income, securities issuance and trading agent income, foreign exchange trading income, guarantee income, consulting income, custody income, intangible assets transfer income, etc. The Bank's operating income mainly includes the following contents:

Interest income refers to the interest charged by commercial banks for issuing various loans to enterprises, units and individuals at the prescribed interest rate and the discount interest income for discount business. Interest income of financial institutions is not included, which is also to correspond to cost items. Interest income of financial institutions. Refers to the interest income and spread subsidy income of UnionPay or the capital exchange with the central bank and peers.

Rental income refers to the rental income that commercial banks, as property owners (lessors), lease to users and collect from lessees in accordance with the provisions of contracts and agreements. Real estate development income is the income obtained by commercial banks engaged in real estate development business.

Consulting income. Due to the development of socialist market economy and the change of internal operating mechanism of banks, information is regarded as intangible wealth. It plays an increasingly important role in economic activities. Commercial banks provide information to social enterprises, institutions and collective individuals by summarizing and analyzing capital movements and related materials, and charge a certain fee (as paid services), thus forming consulting income of commercial banks.

Guarantee income In order to ensure the smooth settlement of enterprises, the income obtained by commercial banks in the process of providing credit guarantees for various enterprises by using their own reputation is called guarantee income.

Foreign exchange transaction income refers to the income obtained by commercial banks in the process of engaging in foreign exchange transactions (including spot transactions and forward transactions) due to the differences in interest rates and exchange rates between different periods, currencies and countries.