Business mix
- Consumer banking: deposits, cards, mortgages, payments, and branch/digital banking provide scale funding.
- Global wealth and investment management: Merrill, private banking, and advisory assets add fee income.
- Global banking and markets: corporate banking, investment banking, trading, and treasury services add cyclical revenue.
Current key questions
- How quickly do deposit costs and asset yields reprice, and what does that mean for net interest income?
- Are consumer and commercial credit losses still manageable through the cycle?
- Can capital, buybacks, and expenses stay disciplined under regulatory capital changes?
