Gold and silver definitely can not bring much profit by saving banks. In my country the interest rate is 7.5%, the investment gold is profitable or not depends on the time you sell. It's like investing bitcoin
Banks have to increase interest rates to 12% p.a. HSBC has $2,000,000,000,000 assets. Banks earn huge profits from people's money/deposits. Their managers are paid $20,000 to $40,000/month salary but people get 7% p.a interest rate
Otherwise people's money is going to Gold and Silver.