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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Jane Fraser says this year will be "critical" for the megabank, which is engaged in a massive, multiyear restructuring that involves cutting 20,000 jobs by the end of 2026.
January 12
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The San Francisco-based bank warned for months that charge-offs were likely to start rising as some office-related loans went bad. It began to happen in the fourth quarter, which could be an omen for regional banks that have larger concentrations in the office sector.
January 12
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After a record-breaking year of reeling in business from failed banks and scared customers defecting from rivals, the largest U.S. bank expects it will keep getting larger.
January 12
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The company spent $15.8 billion in the fourth quarter, down 2% from a year earlier, while analysts had estimated an 11% drop. Severance expenses and a special deposit insurance assessment contributed $3 billon to that total.
January 12
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JPMorgan Chase closed out the most profitable year in U.S. banking history with its seventh consecutive quarter of record net interest income and a surprise forecast that the windfall may continue this year.
January 12 -
When big banks kick off earnings season on Friday, industry observers will be paying close attention to loan growth, deposit growth, expense growth, credit quality and capital ratios. All five areas will offer clues about the industry's trajectory in 2024.
January 11
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The software company's latest product, a private debt marketplace, is designed to connect startups with trusted, pre-vetted lenders.
January 11
