Global Banking Research Platform
Partner in Fundamental Research for Global Financial Institutions (FIs)
Partner in Fundamental Research for Global Financial Institutions (FIs)
Get access to the curated global banking dataset, compare any bank with peers for Benchmark, get real time quarterly updates and understanding of regulatory landscape
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Bank Fundamental Analysis: Why Traditional Corporate Models Fail
Bank fundamental analysis is constrained not by data availability, but by a lack of comparability. Divergent accounting standards, inconsistent reporting, Basel regimes, RWA models, and disclosure practices make global bank analysis time-intensive and inconsistent.
Reshaping Bank Capital: The Evolving Role of Additional Tier 1 Instruments
Post–Credit Suisse, regulators are reassessing bank capital frameworks. Australia is phasing out AT1/CoCos from 2027, while ECB proposals to simplify rules and potentially reduce AT1’s role add uncertainty—likely shifting issuance toward Tier 2 and keeping banks cautious on new AT1 until clarity emerges.
U.S. Banks – 3Q 2025 Earnings Panorama
Seven major U.S. banks (JPM, BAC, Citi, WFC, GS, MS, USB) reported robust 3Q 2025 earnings between October 14 and 16, surpassing EPS and revenue estimates due to resilient consumer spending and heightened market volatility. Sector revenue grew 10.6% YoY on average (5-20% range), with net income up over 20% YoY.
Impact of Dutch Pension Reforms on Long-Dated Bonds
Dutch pension reforms, moving toward defined contribution, will sharply reduce demand for ultra-long government bonds (30+ years) from Germany, France, and the Netherlands due to lower long-term hedging needs. This is expected to push yields higher, steepen the yield curve, and increase volatility, with effects becoming prominent from early 2026 as funds shift toward shorter-duration assets and alternatives.
UK Banks: 2Q 2025 Earnings Panorama
UK banks delivered robust Q2 2025 earnings, mirroring U.S. banks with strong contributions from investment banking and market-making activities that bolstered total income and profits. While some banks faced cost and credit pressures from mis-selling provisions or reorganization, cost-to-income ratios remained well-managed. For the remainder of 2025, net […]
Q2 2025 U.S. Banks Earnings Summary
U.S. banks reported strong Q2 2025 results, driven by robust investment banking and trading revenues. Performance was mixed, with most banks exceeding EPS estimates but some falling short on revenue. Loan and deposit growth held firm, despite widespread net interest margin (NIM) compression. Stable asset quality and strong capitalization supported ongoing dividend increases and share repurchasing programs.
