The aim of this paper is to describe the behavior of total income in the Colombian banking sector from
the perspective of those services that banks offer to their clients in parallel with financial intermediation
which generates charges and fees. The main result of this article shows that both at the aggregate level
and as a function of gross financial margin, there is a negative relationship between interest income and
bank fee income, which suggests that the Colombian banking sector has developed a complementary
cycle between the 2 sources of income.
