2. Interest income of financial institutions. Refers to the interest income and spread subsidy income generated by interbank or capital transactions with the central bank and peers.
3. Rental income. Refers to the rental income that commercial banks, as property owners (lessors), rent to users in the process of leasing business and collect from lessees in accordance with the provisions of contracts and agreements.
4. Real estate development income. It is the income obtained by commercial banks engaged in real estate development business.
5. Consulting income. Due to the development of socialist market economy, the change of internal operating mechanism of banks, information as. Invisible wealth. It plays an increasingly important role in economic activities. Commercial banks provide information to social enterprises, institutions and collective individuals by summarizing and analyzing capital movements and related materials, and charge a certain fee (as paid services), thus forming consulting income of commercial banks.
6. Guaranteed income. In order to make enterprise settlement go smoothly, the income obtained by commercial banks in the process of providing credit guarantees for various enterprises by using their own reputation is called guarantee income.
7. Income from foreign exchange transactions. It refers to the income obtained by commercial banks in the process of engaging in foreign exchange transactions (including spot transactions and forward transactions) due to the differences in interest rates and exchange rates between different maturities, currencies and countries.
8. Income from buying and selling gold and silver. Income obtained by commercial banks from engaging in gold and silver trading in accordance with relevant state policies and regulations.
9. Fee income. Refers to the beneficiaries obtained by commercial banks in the process of handling settlement business, agency financing, entrusted collection, and agency issuance of treasury bonds, stocks and various bonds.
10. Trust income. Refers to the trust income obtained by a commercial bank as a trustee in the process of accepting the entrustment, keeping, managing or handling the entrusted property.
1 1. Securities trading income. Refers to the income obtained by commercial banks from selling unexpired investment securities.
12. Trust income. Refers to the income obtained by commercial banks in keeping various assets on behalf of other enterprises or individuals.
13. Other income. Other income that does not belong to the above contents, but is included in the operating income.