NYCB and other regional banks predict lower income from higher rates

IRRBB simulations show lending revenue shrinking as Fed policy gets tighter

US regional lenders have predicted that steepling rates will squeeze their net interest income (NII) – in some cases alarmingly – in a sign that their balance sheets may yet come under pressure from further Federal Reserve rate hikes.

In their end-2022 interest rate risk disclosures, First Foundation, First Republic Bank, New York Community Bank (NYCB), Metropolitan Commercial Bank and Fifth Third Bank all projected NII to compress in the face of a 200 basis point step-up across the yield

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