Why don't I lend some of it out and I can earn interest on the loan and make money.

为什么我不贷一部分出去呢,这样我就可以通过贷款赚利息了

耶鲁公开课 - 金融市场课程节选

It pays interest on the deposit and it collects interest on the loans and it charges a higher interest on the loan than they pay on the deposit.

银行付给存款人利息,同时收取贷款利息,贷款的利息较高,支付给存款人的利息较低

耶鲁公开课 - 金融市场课程节选