Commercial Banking News, Strategy & Risk Analysis
American Banker's commercial banking coverage explores how banks serve middle-market and corporate clients, focusing on issues such as interest-rate volatility, regulatory pressure, and intensifying competition for deposits and credit relationships. This section focuses on balance-sheet strategy, commercial lending, treasury and cash management, risk governance, and the technologies reshaping relationship banking.
Learn how institutions are recalibrating growth expectations, managing credit exposure, and using payments and treasury capabilities to deepen client relationships while preserving profitability.
Commercial banking is under structural pressure from higher funding costs, uneven loan demand, and increased supervisory scrutiny. Banks are being forced to prioritize relationship depth, disciplined credit selection, and non-interest income generation rather than balance-sheet expansion alone.
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The New York bank reported a double-digit increase in profits in the second quarter. But larger than expected deposit withdrawals — some by cryptocurrency-business customers — raised questions about its ability to fund growth and hurt its stock Tuesday.
July 20
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Chief Executive Bruce Van Saun said the Rhode Island bank doesn’t “need to be that greedy” after reporting a 34% rise in net interest income during the second quarter. He laid out plans to trim the bank’s sails in both commercial and consumer lending.
July 19
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The latest expense guidance also stems from rising operating losses at the North Carolina bank. Cost-cutting was a key rationale for the 2019 merger of BB&T and SunTrust, which created Truist.
July 19
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The New York megabank has a long way to go on its path toward simplification of its business, but some early investments — such as technology upgrades in the treasury unit, which serves commercial customers — are starting to pay small dividends.
July 15
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The Pittsburgh company expects a slowdown in 2023, but executives say they don't think it will prove severe or have an outsized impact on the banking industry.
July 15
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Second-quarter profits fell 27% to $4.5 billion in what's shaping up as a tough quarter for many large banks. Yet investors responded favorably to Citigroup's unexpectedly large hauls from currencies, commodities and interest rates trading and its shuttling of corporate money over borders.
July 15
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Regulators are poised to extract about $1 billion in fines from the five biggest U.S. investment banks for failing to monitor employees using unauthorized messaging apps.
July 15
