Wells Fargo has to pay lower interest rates on its core deposits as compared to long term debt and short term borrowings.

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So, its of no surprise, when looking at long term ice core sample and ocean core deposits, they indicate as the Earth warms, so does the carbon footprint from the increase carbon produced high in the atmosphere.

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Banks' operating profits have risen sharply in recent years as they have invested in long-term government securities and funded these with deposits for which they have had to pay almost nothing.

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To fill their funding holes from fleeing deposits much of this borrowing has come from the Long Term Refinancing Operation or LTRO.

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Total deposits rose 12% during the year, enabling Santander to repay 24bn euros of the long-term emergency loans it - along with most other banks in the eurozone - received from the European Central Bank last year.

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