Banking Financial Models
Loan growth creates interest income, but it also requires funding and capital. A bank can lend more and still earn less if deposit costs rise faster than loan yields. Credit provisions then determine how much of that lending income reaches shareholders.

JPMorgan Chase
JPMorgan Chase is a leading global financial services firm and the largest bank in the United States by total assets, providing investment banking, consumer and commercial banking, financial transaction processing, and asset management.

Bank of America
Bank of America is one of the world's largest financial institutions, serving individual consumers, small and middle-market businesses, and large corporations with a full range of banking, investing, asset management, and risk management products.

Wells Fargo
Wells Fargo is a leading diversified financial services company providing banking, investment, and mortgage products to individuals, businesses, and institutions.

Citigroup
Citigroup is a globally diversified financial services holding company providing consumer and corporate banking, investment banking, wealth management, and markets services across international markets.

Morgan Stanley
Morgan Stanley is a premier global financial services firm providing investment banking, securities, wealth management, and investment management services.

Goldman Sachs
Goldman Sachs is a leading global financial institution that delivers a broad range of financial services across investment banking, securities, investment management, and consumer banking to a large and diversified client base.

U.S. Bancorp
U.S. Bancorp is a diversified financial services holding company and parent of U.S. Bank National Association, providing traditional lending and deposit services alongside a payments and wealth management franchise.

Truist Financial
Truist Financial Corporation is a top-10 United States commercial bank headquartered in Charlotte, North Carolina, formed by the 2019 merger of BB&T and SunTrust.

PNC Financial Services
PNC Financial Services Group is one of the largest diversified financial services institutions in the United States, operating a coast-to-coast retail branch network and a premier corporate banking franchise.

BNY Mellon
The Bank of New York Mellon Corporation (BNY Mellon) is a globally systemic financial services institution that primarily operates as a trust bank, providing investment management, investment services, and wealth management to institutions and high-net-worth individuals.

State Street
State Street Corporation (STT) is a globally systemically important bank (G-SIB) and one of the world's largest providers of financial services to institutional investors.

Fifth Third Bancorp
Fifth Third Bancorp is a diversified financial services company and regional bank headquartered in Cincinnati, Ohio.

Regions Financial
Regions Financial Corporation is a regional bank holding company providing traditional commercial, retail, and mortgage banking services, alongside wealth management and capital markets capabilities.

Capital One
Capital One Financial Corporation (COF) is a diversified financial services holding company and one of the largest banks in the United States.

Northern Trust
Northern Trust Corporation is a leading provider of wealth management, asset servicing, asset management, and banking solutions to corporations, institutions, affluent families, and individuals.

M&T Bank
M&T Bank Corporation is a regional bank holding company providing retail and commercial banking, trust, wealth management, and investment services.

Key
KeyCorp is a premier United States regional bank holding company headquartered in Cleveland, Ohio, operating primarily through its principal subsidiary, KeyBank National Association.

Huntington Bancshares
Huntington Bancshares Incorporated (HBAN) is a diversified regional bank holding company headquartered in Columbus, Ohio, providing commercial, consumer, and mortgage banking services.

Citizens Financial Group
Citizens Financial Group (CFG) is one of the largest regional banks in the United States, providing retail and commercial banking products and services to individuals, small businesses, middle-market companies, and large corporations.

Synchrony Financial
Synchrony Financial is a premier consumer financial services company in the United States, providing private label credit cards, dual-purpose co-branded cards, promotional financing, and instalment lending.

