It's very close to my heart as I am working with a bank so I know how it feels when people talk about such a topic. The bank as an institute has a lot of trust from people who deposit their hard-earned money. It wouldn't be a pleasure to hear any such news which talks about the failure of a bank.
The idea of banking started with the notion that you can put your hard-earned money into an institute that further lends this money to need for their business need. The difference in interest rate will be net interest earned by banks known as Interest Income.
If things are so simple then why do banks fail, well in order to survive in this competitive world everyone tries to be better than others, in such a scenario, they leverage more and take more risk and invest in risky products, in case risky assets doesn't perform well, a bank may end up in failure.
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