income generating capacity bank.

[lollypop]

Пожалуйста, помогите перевести:
income generating capacity
fee-generating capacity

[d.]

контекст))

[foxtrot]

прибыльность/доходность/способность приносить доход
доходность заказов, имхо

[lollypop]

спасибо!

[lollypop]

контекст такой:
We believe that bank’s cost-to-income ratio will remain high due to its large operating expenses and fairly low income generation capacity.

In our opinion, no sustainable progress in the profitability area could be achieved without increasing fee-generating capacity and curbing expenditure.