21.   At the same time, net interest income, the sum the bank makes on the difference between lending and deposit rates, remained stable.

22.   Bank stocks are seen rising next week, after Anwar said banks can make margin calls on loans where shares have been pledged as collateral.

23.   Banks are making lots of money these days, and their balance sheets are strong.

24.   Banks have made it easier to use.

25.   Banks are making substantial investments in new technology as time-pressed consumers demand more and better service.

26.   Banks make more money on their loans when interest rates fall, while utilities that sell bonds to finance their operations save money.

27.   Banks make their money on the spread between the price they pay to borrow money and the rate at which they lend.

28.   Banks make good money offering secrecy to the well-heeled, yet they risk breaking the law if their customers want discretion to help cover up a crime.

29.   Because banks make money borrowing money from depositors at low, short-term rates, and lending it out at higher, long-term rates.

30.   Because banks make virtually no money from savings bonds they sell and redeem, have little incentive to train employees in the details of savings bond management.