Net Interest Income: Where Your Bank Actually Makes Its Money

Описание: Net Interest Income is the spread between what your bank charges on loans and what it pays you on deposits. For the four largest US banks — JPMorgan, Bank of America, Wells Fargo, Citigroup — it is the dominant earnings line. JPMorgan disclosed $89.3 billion of it in the most recent trailing 12 months. This episode walks the formula, the filing, and the defensive move set.

Public data only. Public filings. Education, not advice. Talk to a fiduciary before any financial decision.

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TIMESTAMPS
0:00  Cold open — JPM's $89.3B NII number
0:45  Stakes & recap — last week's depositor loss is this week's bank earnings
2:00  Mechanism — NII formula + asymmetric rate pass-through
5:00  Actor — JPM / BAC / WFC / C with 10-Q segment data
8:00  Evidence exhibit — live JPM 10-Q walkthrough on EDGAR
11:00  Consequence — Jay composite, $20K, $2,694 captured spread
13:00  Defensive move — three actions executable this week
14:05  Close + forward-tease — WL-001 next Tuesday

CHANNEL POSITIONS DISCLOSURE
Tickers named: JPM, BAC, WFC, C. Treasury products: TreasuryDirect. HYSA products: Marcus by Goldman Sachs, Ally Bank, Wealthfront Cash, Capital One 360. Channel positions at time of publish: [populate at upload]. Authority Kit refresh date 2026-06-02.

This episode is education only. CipherHedge reads SEC filings, DOL reports, BLS data, and Federal Reserve releases — and reports what the numbers actually say. Nothing in this video is financial advice. Talk to a licensed fiduciary before sizing any actual move with your own money.

Full source list: cipherhedge.co/pb001-sources
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