31.   That means banks earned less from their portfolios as they paid more for consumer deposits.

32.   The bank earns fees for managing those millions of dollars in cash.

33.   The bank was already earning record profits.

34.   The banks earn more when rates decline because the difference between what banks lend money for and the rate by which they can borrow money widens.

35.   The bank earned more than half of its revenues outside the United States in the first quarter.

36.   The banks earn less on community-based loans than on corporate business.

37.   The banks are gradually earning profits to offset the bad loans, Dai said in his speech.

38.   The industry was also helped as the gap between the interest rates banks earned and the rates they paid held steady, analysts said.

39.   This is because banks earn greater profits investing funds in their interest-free checking accounts when rates rise.

40.   This means banks can earn income on these reserves which are currently deposited in a non-interest bearing account at the central bank.