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بازدهی ناخالص
At t = 2, deposits not withdrawn at t =1 earn the gross return 1+ rD.
where Q0Kb .1+ rKΣ is the gross return on the resources Q0Kb invested in capital at t = 0.17 If
if the bank is bankrupt, an equal pro rata repayment of the gross return earned by the bank on its investments in physical capital made at t = 0:
Anticipating some of the equilibrium results, the gross return on deposits rD must be equal to rK in equilibrium, so that banks make zero profits on each dollar of deposit.
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