To be fair to both sides, I’d have to agree that a bank must incur some expenses for its buildings, whether owned or leased, for all is employees, starting from tellers on up to CEOs, etc. etc. That’ll cut into some of the profit. But judging from the bonuses given, I’d say there’s plenty of profit. If this did not work in the banks’ favor, I’d imagine they would ALL be out of business. They wouldn’t continue to operate. There’s some major profits being made.