I don't know if you read the website or want to provide some kind of source for the cost breakdown, but my source suggests it's 50% branches and arms, 20% call

I don't know if you read the website or want to provide some kind of source for the cost breakdown, but my source suggests it's 50% branches and arms, 20% call centers and payment, 20% security and compliance and 10% product development and sales. I guess you can call those fixed costs. No mention of executive salaries, maybe product development? If they were just fixed costs, and banks were making money off small accounts, why are they discouraging them so much with minimum balances and fees? I cancelled a small account recently and the bank seemed happy to let me go. Not even a question of why I was leaving.