INTRO:

Most people use banks.

Very few understand how they work.

This will change how you look at:

• Loans
• Deposits
• Interest rates

SECTION 1 — HOW BANKS ACTUALLY MAKE MONEY

Banks don’t make money from “interest.”

They make money from the spread.

👉 They borrow cheap (your deposits)

👉 They lend expensive (your loans)

That difference = profit

SECTION 2 — WHY YOUR LOAN RATE IS NOT “STANDARD”

Same bank.

Same product.

Different rates.

Because banks don’t price loans.

👉 They price risk

They look at: