According to a report from the International Business Times, if the Fed decides to raise interest rates in the near term, the top five banks in the U.S. stand to experience a $10 billion windfall.

The Times notes, for example, JPMorgan Chase is among the banks that could see $2.7 billion in new profits if rates increase 1% over the next year.

The Times said that as the current rate has hovered around zero for the past seven years, banks have seen the rates they can charge borrowers steadily decline, leaving their net interest margins at three-decade lows.