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5:21 the difference in interest is the spread.
For Net Interest Margin, value of interest earning assets need to be considered too.
5:56 maybe I get this wrong but what would banks do when the interest rates are negative like here in the EU some years ago?
After further watching: Maybe this questions is a bit naive, but wouldn’t it save much more costly and needed space when banks would share their branches?
I do wonder how much of US gdp growth and ‘productivity’ is driven by finacialisation than actual average worker output.
You’re wrong.
Banks don’t lend out deposits.
They create money when lending.
Forget the interest rate. You had me at free cookies.