Fee income for both Banks have a natural tendency to focus more on fee income as their balance sheets and loans grow, analysts said.Loan products and credit cards are the major sources generating fee income, as banks often levy processing and documentation fees, prepayment or foreclosure charges, etc.Fee income as a profit-generating avenue came into focus as the RBI cut interest rates by a percentage point this year to 5.50%, which added pressure on NIMs as well as weighed on the treasury income of banks. ...