American banks face dilemma over high returns and default risks

The results of the third quarter of 2026 for American banks reveal that rising interest rates generate higher income from loans, but they also double costs and increase the risk of borrower defaults, which could reduce their projected profits. Although some banks like JPMorgan have seen a decline in profits, expectations for their continued strong performance remain intact, with an increasing reliance on diversifying revenue sources, particularly in wealth and asset management services, while reducing dependence on merger deals. However, experts anticipate that ongoing increases in interest rates and inflation could weaken the demand for credit and lead to a decline in profit quality compared to their current levels.

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