bank profits

Equitus.ai's Knowledge Graph Neural Network (KGNN) technology, combined with IBM Power10 processors, could improve major profit sources for large US banks in several ways:

1. Enhanced risk assessment:

• KGNN could analyze vast amounts of interconnected data to better assess credit risks, potentially reducing loan defaults and improving interest income.
• Power10's AI acceleration could enable real-time risk analysis on complex datasets with a more cost effective approach to LLM and big data using energy efficient MMA chips.

2. Improved fraud detection:

• With Fusion, powered with kgnn using Semantic Graphs combined with Multi-Agentic Searching could rapidly identify subtle patterns and relationships indicative of fraud, potentially reducing losses and improving net fee income.
• Power10's security features and energy efficiency would enhance data protection during these processes.

3. Personalized product recommendations:

• By analyzing customer behavior and relationships, KGNN could enable more targeted cross-selling of financial products, potentially increasing fee income and diversifying revenue streams.

4. Advanced trading strategies:

• KGNN, using advanced systems integration combining with semantic graphs - with multi agentic parallel searches  could provide superior analysis of market trends and relationships between various financial instruments to inform trading decisions.
• Power10's high-performance computing capabilities could enable faster execution of complex trading algorithms.

5. Optimized wealth management:

• The technology could provide more sophisticated portfolio analysis and recommendations for high-net-worth clients.

6. Enhanced treasury services:

• KGNN could improve cash flow predictions and liquidity management for corporate clients.

7. Improved operational efficiency:

• By analyzing internal processes and data flows, the KGNN could identify areas for cost reduction and efficiency improvements.

8. Better compliance and regulatory reporting:

• The system could help banks more effectively navigate complex regulatory requirements, potentially reducing compliance costs and risks.

9. Customer churn prediction and retention:

• KGNN could identify patterns that indicate a customer is likely to leave, allowing for proactive retention efforts.

10. Market trend analysis:

• The technology could provide deeper insights into market trends, helping banks adjust their strategies more effectively.

It's important to note that while this technology combination offers significant potential, its actual impact would depend on how it's implemented and integrated with existing bank systems and processes. Would you like me to elaborate on any specific area?

Enterprise banks in the USA typically derive their profits from several major sources:

1. Interest income: This is often the largest source of revenue, coming from loans to businesses, mortgages, credit cards, and other lending products.

2. Fees and charges: Banks earn significant income from various fees, including:

   - Account maintenance fees

   - Overdraft fees

   - ATM fees

   - Wire transfer fees

   - Loan origination fees

3. Investment banking services: For larger banks, this includes underwriting, mergers and acquisitions advisory, and securities trading.

4. Wealth management and asset management: Providing investment advice and managing assets for high-net-worth individuals and institutions.

5. Treasury services: Offering cash management, payment processing, and other financial services to businesses.

6. Trading activities: Profits from trading securities, currencies, and other financial instruments.

7. Insurance products: Some banks offer insurance services or partner with insurance companies to sell products.

8. Merchant services: Providing payment processing services to businesses.

9. Foreign exchange services: Facilitating currency exchanges for businesses and individuals.

10. Securitization: Packaging loans into securities and selling them to investors.

The specific mix of profit sources can vary depending on the bank's size, focus, and business model. Would you like me to elaborate on any of these areas?