Bank Noninterest Income

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Non-interest Income:

• Banking Service Fees:
o Deposit Service Charges (Overdraft, ATM, etc.)
o Corporate Service Charges (Payments (ACH, etc.), Treasury, etc.)
o Investment Banking Fees? (Stock and Bond Offering Fees, Market Making Fees, etc.)

• Mortgage Banking Fees:
o Origination/Closing Costs: 0.5%-1% Loan Balance
o Servicing: 0.25%-0.5% Loan Balance

• Trust and Investment Management Fees
o 0.25%-1% AUM

• Merchant Fee: 1%-3% Transaction
o Credit and Debit Card Issuer Fee Component
o Merchant Processing Fee Component

Non-interest Income Percentage of Bank Net Revenue:
o Big Bank 40%-50%
o Typical Bank 20%-30%