The phenomenon of natural growth of bank deposits is generally called "interest". This is a reward given by the bank to encourage customers to save. Simply put, the customer deposits the funds in the bank, and the bank will calculate the interest at a certain interest rate and return it to the customer. In this way, customers' deposits will naturally increase.

Although the interest rates of banks in different countries or regions are slightly different, the interest rates of bank deposits are generally low. This means that natural growth will not be too high. Factors such as inflation will also affect the actual purchasing power of interest.

In addition to time savings accounts, many banks also offer other types of accounts, such as time deposits, money market accounts and bonds. These accounts can provide higher interest rates and more investment options, and the risks increase accordingly.

For those who pursue higher returns, they may need to find other investment methods, such as stocks, real estate or funds. When choosing any investment, you should consider the risks and potential returns involved.

The phenomenon of natural growth of bank deposits is interest. Although it provides a relatively safe and reliable way of saving, it also faces risks such as declining purchasing power. If you want to get a higher rate of return, you can consider exploring other investment options.