# Banking Financial Models

Canonical: https://finamodel.com/sectors/banking

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.

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- [JPMorgan Chase](https://finamodel.com/companies/jpmorgan-chase)
- [Bank of America](https://finamodel.com/companies/bank-of-america)
- [Wells Fargo](https://finamodel.com/companies/wells-fargo)
- [Citigroup](https://finamodel.com/companies/citigroup)
- [Morgan Stanley](https://finamodel.com/companies/morgan-stanley)
- [Goldman Sachs](https://finamodel.com/companies/goldman-sachs)
- [U.S. Bancorp](https://finamodel.com/companies/u-s-bancorp)
- [Truist Financial](https://finamodel.com/companies/truist-financial)
- [PNC Financial Services](https://finamodel.com/companies/pnc-financial-services)
- [BNY Mellon](https://finamodel.com/companies/bny-mellon)
- [State Street](https://finamodel.com/companies/state-street)
- [Fifth Third Bancorp](https://finamodel.com/companies/fifth-third-bancorp)
- [Regions Financial](https://finamodel.com/companies/regions-financial)
- [Capital One](https://finamodel.com/companies/capital-one)
- [Northern Trust](https://finamodel.com/companies/northern-trust)
- [M&T Bank](https://finamodel.com/companies/m-t-bank)
- [Key](https://finamodel.com/companies/key)
- [Huntington Bancshares](https://finamodel.com/companies/huntington-bancshares)
- [Citizens Financial Group](https://finamodel.com/companies/citizens-financial-group)
- [Synchrony Financial](https://finamodel.com/companies/synchrony-financial)