How do you think banks make money, how does a bank make money to pay its employees and business operational?
Does the bank rely solely on interest on loans from banks?
Banks are businesses. I consider banks as the most extorting business ever. They have diverse means of making profits, some of which you mentioned above. One of their diberce tricks is to charge bank fees. They charge customers fees for services to do with managing their accounts, and earn money from bank charges levied on overdrafts which exceed agreed limits.