Скачать или смотреть Why Banks Don’t Need Your Deposits Anymore How Bank Get Rich Without Using Your Money | United State

Most people believe banks make money by taking your deposits, lending them out, and earning the difference in interest. That story sounds fair, logical, and familiar. But it’s no longer how modern banking actually works.

In this video, we break down how banks really generate massive profits today—and why your savings account plays a very different role than you think. Using real-world numbers, we explain how deposits are used to meet regulatory requirements, unlock lending power, and support highly profitable fee-based and investment activities.

You’ll learn why savings rates stay low while borrowing costs remain high, how banks earn billions from fees and financial infrastructure, and why lending to consumers is no longer their most profitable business. We also explore how post-2008 regulations reshaped banking without reducing profitability—and why the system now rewards scale more than service.

This explainer is designed to make complex financial systems clear without jargon. If you’ve ever wondered where bank profits really come from and why it feels like the rules changed without anyone explaining them, this video connects the dots.


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