Long-horizon fee-revenue reviewRevenue & Fees

Task prompt

I'm preparing our multi-year fee-revenue review and need you to work through it end to end. Throughout, "net institutional fee revenue" means the customer service fees we actually collected — what we were able to take from the customer, net of credits/refunds/reversals, counting only successfully processed fees. Many fees only partially clear when the balance can't cover them, so use the actual collected amount, not the nominal scheduled fee; in our warehouse, "realized" is the scheduled/full fee, not what we collected. The fee set is exactly these seven categories: out-of-network ATM withdrawal fees (domestic and international), wire fees, foreign-transaction fees, the Finoco+ premium/membership fee, debit-card replacement fees, and check-issuance fees (plus their corresponding credit/return codes for the netting). Please pull net fee revenue by calendar year, flag the peak year and its net in US dollars, the single top fee category that year as the exact internal adjustment code plus that category's net, the calendar year out-of-network ATM withdrawal fees first started being charged, how much the peak year's net rose versus the prior year in US dollars, and what share of the peak year's net came from that top category as a percentage. Deliver this in Slack: create a channel called "multi-year-fee-revenue-review", post a concise summary there with those findings, then pin it. A readable checklist format is fine. After posting, reply here briefly that the review is posted.