The results indicate that, on average, the non-interest income is positively related to bank size, the ratio of deposits-to-assets and the ratio of full-time-employees-to-deposits.

但国有商业银行与非国有商业银行无论是非利息收入的总量、还是构成均存在显著的差异。

youdao

American Express earns a net interest income on the spread between the rate it earns from un-loaned amounts sitting in bank deposits and short-term investments in financial securities and the rates at which it extends credit to card members.

FORBES: American Express Charging Toward $50