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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 a Principal Research Analyst for Customer Experience & Commerce, leading the coverage of the payments ecosystem at 451 Research, a part of S&P Global Market Intelligence. He focuses on the digital transformation of the commerce value chain, with an emphasis on the major trends and technologies impacting payment networks, issuing and acquiring banks, payment processors and other payments industry stakeholders. His research helps vendors and enterprises assess and address the implications of the ongoing digitization of the shopping journey.
Jordan joined 451 Research with the company's acquisition of Yankee Group in 2013. Before joining 451 Research, he worked at OnProcess Technology, helping telecom and financial services businesses improve their customer experience and service supply chain strategies. Prior to this, he was a member of FM Global's internal market research unit, analyzing trends in the insurance sector.
Jordan is listed on the Electronic Transactions Association's Forty Under 40 list for 2018. He is frequently engaged by the media to share his insights on digital payments and has been quoted in the Wall Street Journal, New York Times, Forbes, TIME, Businessweek and The Financial Times. McKee is a regular speaker at client and industry events, delivering keynotes and moderating panels at SXSW, Money20/20 and ETA TRANSACT. Additionally, Jordan is a Forbes fintech contributor and sits on the board of advisors for the Mobile Payments Conference.
Jordan holds a bachelor's degree with a concentration in marketing from Bryant University.
S&P Global Market Intelligence
Nathan Stovall
Director of FIG 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.