Retail & Commercial

Capital One Financial posted a 17% rise in net income in the fourth quarter thanks largely to growth in its U.S. credit card business.

BB&T and KeyCorp's quarterly results showed how more diversified regional banks can turn to their insurance sales, investment banking and other fee generators for backup until interest rates improve. Whereas the smaller Huntington Bancshares needed strong loan growth in a quarter (and year) when fees fell.

Online marketplace lender OnDeck Capital has launched a new platform to better enable institutional investors to buy small business loans OnDeck originates.

Royal Bank of Canada sold its U.S. retail bank a few years ago to PNC. The company is back with a targeted play: City National, a Los Angeles bank that has built its business targeting the rich and working with Hollywood.

BankUnited in Miami Lakes, Fla., reported a drop in quarterly profits, as low yields weighed down the company's growing loan book and it faced some growth-related costs.

The consumer bureau and Maryland's AG allege the loan officers received consumer data and other services in return for business referrals.

Online marketplace lending platforms are filling real needs. But few banks participate in this booming niche, reflecting the industry's risk aversion and regulatory concerns as well as resistance to change.

Opus Bank in Irvine, Calif., has agreed to buy a pair of nonbanking businesses.

BB&T plans to add more than $20 billion in assets this year through three pending acquisitions. Management, which believes it should have no problem getting its deals approved, has started to improve how it monitors its liquidity capital ratio before new thresholds kick in.

Stephen Steinour, the head of Huntington Bancshares, cited strong projected growth in auto sales and an improving housing market as good signs for the Midwestern bank's fortunes in 2015.