For any bank to survive without relying on liquidity measures like state intervention to save it, it must make a profit from a number of sources. Commercial banks get their money from various schemes like investment, credit interest rates and the use of their own bank and card fees that they charge their customers.

By pooling the large capital base made up of cash deposits, a bank can invest the money in the meantime in profitable schemes that have a financial stake in the bank and through advertising. Another more common standard of doing business by commercial banks is to charge interest on loans which can generate a large amount of profit ranging from a tenth of the amount borrowed to twice the amount or more in certain long-term transactions. . In special cases, such as loans that have a high risk value, especially those granted on an economically insecure basis, banks charge a high interest rate that will cushion the credit consequences in case of loss. In this way, a bank can make a large profit when external factors remain the same and the customer honors his payment.

Finance fees like those involved in opening an account are some of the other means of making money for a bank. This is possible in a case where the commercial bank enjoys a large following which, when other long-term security measures are excluded, has little effect on the custody charges accompanying the deposit. Other charges include those contained in the transfer fees and ATM fees for city residents who do not have access to the physical bank or are limited by time to visit the real bank. Banks may also offer mobile money transfer services by including service charges above the normal rates in the telecommunications industry.