11.   Falling interest rates enable banks to earn more money on their loans.

12.   Falling interest rates let banks earn more money on their loans.

13.   For more than a decade, banks have earned risk-free profits by handling student loans.

14.   Higher rates increase the cost of holding bad loans and narrow the spread between what banks earn on loans and what they pay for deposits.

15.   In addition, the investment banks will could earn additional fees for helping to manage the sale.

16.   In December, the bank voted to more than double the revenue banks can earn from underwriting securities.

17.   In response, banks have earned a growing proportion of their income by trading on their own account.

18.   In syndicated lending, banks earn fees for assembling groups of lenders to share in the risk of loans.

19.   Investment banks can earn millions of dollars helping to arrange corporate marriages.

20.   Lead or agent banks earn fees for setting up the group, and earn an interest margin, or spread, on the loans they keep.