FILE - In this Nov. 23, 2015 file photo, a customer uses an ATM at a Bank of America in New York. The banking industry collectively made $233.1 billion in profits in 2019, the Federal Deposit Insurance Corporation said Tuesday, Feb. 25, 2020, the industry's second-most profitable year ever. The slight drop in profits from 2018 is due to the drop in interest rates, which happened in the second half of last year. (AP Photo/Mark Lennihan, File)
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