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Summary
US banks’ net interest margins are poised to expand as funding costs move lower, while earning assets mature and are replaced with higher-yielding loans and securities. Heightened tariff-related anxiety will weigh on loan growth and credit quality and could threaten earnings growth in 2025, but the worst case fears in the investment community appear to have subsided and banks still expect to benefit from deregulation.
The fintech sector should benefit from a friendlier regulatory environment as well. Federal Banking regulators have said they will be more open-minded toward innovation and technology adoption by creating a more transparent approach to fintech partnerships and digital assets and tokenization, while addressing growing technology costs for community banks. The regulatory posture has renewed optimism for banks' efforts to collaborate with fintechs and participate in real-time payments.
During this webinar, the S&P Global Market Intelligence Research team will present their proprietary projections for commercial bank performance and lead us in a discussion about how banks can capitalize on the current opportunities to accelerate their technology adoption.
We will examine:
- Deposit and liquidity trends for US banks and forecasts for future performance
- Outlook for loan growth and credit quality
- Profitability and earnings expansion opportunities over the next 6-12 months.
- Banking as a service: friend or foe?
- Stablecoins: state of the market and a look at where banks can play in this arena.
- Payment trends: the evolving market opportunity for financial institutions and fintechs integrating with instant payment networks.
Moderator
S&P Global Market Intelligence
Maureen McKenna
Head of Partnerships and Business Development
Maureen McKenna is the Solutions Lead for U.S. Commercial Banks at S&P Global Market Intelligence. In this role, she produces segment specific thought leadership and identifies opportunities for Commercial Banks to partner with S&P Global to leverage our full suite of products. Maureen started her career with SNL Financial in 2008 and has been producing training seminars and executive level conferences for professionals at US Commercial banks for the last 14 years. Maureen gradated from the University of Virginia with dual degrees in Economics and Psychology.
Speakers
S&P Global Market Intelligence
Jordan McKee
Research Director, FinTech
Jordan McKee is the Director of Fintech Research & Advisory at S&P Global Market Intelligence, where he leads a global team of analysts across North America, Europe, and Asia. He advises boards, C-suite executives, investors, and product and strategy leaders on the forces reshaping payments, fintech, and digital commerce.
Over more than a decade as an industry analyst, Jordan has built and scaled research and advisory businesses focused on payments and financial technology, beginning with the launch of 451 Research’s payments practice in 2013. His work spans competitive intelligence, market strategy, product strategy, go-to-market, positioning, and market sizing, helping organizations navigate disruption and identify emerging opportunities across the financial technology ecosystem.
Jordan has been recognized on the Electronic Transactions Association’s Forty Under 40 list and is frequently quoted in leading business and financial publications, including The Wall Street Journal, The New York Times, TIME, Bloomberg Businessweek, Forbes, and the Financial Times. He has also appeared in interviews with the Associated Press, NPR, and CBS.
A frequent industry speaker, Jordan has delivered keynotes and moderated discussions at events including SXSW, Money20/20, ETA TRANSACT, and Global Fintech Fest. He is also a Forbes contributor and serves on the advisory board of the Mobile Payments Conference.
Jordan holds a bachelor’s degree from Bryant University.
S&P Global Market Intelligence
Nathan Stovall
Director, Financial Institutions Research
Nathan Stovall, with 17 years' experience covering the banking sector, is a principal analyst for the FIG Research offering of S&P Global Market Intelligence. His primary responsibilities include covering and analyzing financial institutions, with a focus on the banking industry.
He is the author of the banking blog, Street Talk, and host of the podcast by the same name. His in-depth analysis of the banking industry, including a focus on community banks, can be found on SPGMI's Research & Analysis feature, which includes historical and forward-looking performance figures.
During his tenure, he has regularly covered and participated on the conference circuit, moderating panels and webinars focused on major issues facing banks. He has spoken as industry events as well, offering updates on bank fundamentals, market conditions and forecasts for what lies ahead. He has been quoted in a number of trade publications and the national press, including The Wall Street Journal, The New York Times, The Financial Times and has appeared on Fox Business News and NPR's Planet Money.
Nathan holds a Bachelor of Arts degrees from Washington & Lee University, where he majored in business journalism
Questions?
Please contact us if you need more information or have trouble accessing the webinar.