Interest and Banking Business Model: Examples (2026)
Fund lending and other earning assets with deposits or other capital, earn interest, and provide fee-based financial services. Credit losses and funding costs affect the result.
Last checked 2026-10-18 on the official pages.
How do banks make money?
Earn a spread and provide financial services. Biggest disclosed lines: American Express: Discount revenue at $37,401 million; JPMorgan Chase: Net interest income at $95,443 million; Klarna: Transaction revenue at $2,103 million; Robinhood: Transaction-based revenue at $2,628 million.
How do credit card companies make money from interest?
Earn a spread and provide financial services. Biggest disclosed lines: American Express: Discount revenue at $37,401 million; JPMorgan Chase: Net interest income at $95,443 million; Klarna: Transaction revenue at $2,103 million; Robinhood: Transaction-based revenue at $2,628 million.
Earn a spread and provide financial services.
Signals to look for
- Interest-earning assets
- Deposits and funding
- Credit costs
Companies using this model
| Company | Sector | Evidence status |
|---|---|---|
| American Express | Financial services | verified |
| JPMorgan Chase | Banking | verified |
| Klarna | Financial services | verified |
| Robinhood | Financial services | partial |
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Frequently asked questions
How does Interest and banking work?
Fund lending and other earning assets with deposits or other capital, earn interest, and provide fee-based financial services. Credit losses and funding costs affect the result.
How do banks make money?
Earn a spread and provide financial services. Biggest disclosed lines: American Express: Discount revenue at $37,401 million; JPMorgan Chase: Net interest income at $95,443 million; Klarna: Transaction revenue at $2,103 million; Robinhood: Transaction-based revenue at $2,628 million.
How do credit card companies make money from interest?
Earn a spread and provide financial services. Biggest disclosed lines: American Express: Discount revenue at $37,401 million; JPMorgan Chase: Net interest income at $95,443 million; Klarna: Transaction revenue at $2,103 million; Robinhood: Transaction-based revenue at $2,628 million.