Banks have traditionally occupied a solid, but sleepy corner of the investing world — a realm of ordinary financial tasks and steady service. Recently, however, many bank stocks have become fast movers amid regulatory rollbacks, and as cutting edge trends including artificial intelligence, fintechs and stablecoins thrust the industry into new frontiers — and risks. Bank stocks, especially those of… ...

Core Insights - JPMorgan Chase & Co. reported a strong financial performance for the full year, with a net income of $57.5 billion, earnings per share (EPS) of $20.18, and revenue of $185 billion, reflecting a return on tangible common equity (ROTCE) of 20% [1][6] - The fourth quarter net income was $13 billion, with an EPS of $4.63 and revenue of $46.8 billion, marking a 7% year-over-year increase [3][6] - The firm emphasized ongoing consumer resilience, with significant growth in consumer banking and asset management, despite a competitive environment [4][9] Financial Performance - For the full year, expenses were $24 billion, up 5% year-over-year, primarily due to increased volume-related costs and compensation growth [1] - In the fourth quarter, net income for Consumer & Community Banking (CCB) was $3.6 billion, with revenue of $19.4 billion, a 6% increase year-over-year [8] - The Corporate & Investment Bank (CIB) reported net income of $7.3 billion and revenue of $19.4 billion, up 10% year-over-year, driven by markets and securities services [11] Business Segments - Asset & Wealth Management (AWM) achieved a net income of $1.8 billion with a 38% pre-tax margin, and revenue increased 13% year-over-year to $6.5 billion [11] - The firm recorded long-term net inflows of $52 billion in the quarter and $209 billion for the year, with client asset net inflows of $553 billion for the year [11] 2026 Outlook - Management guided for total net interest income (NII) of about $103 billion for 2026, with adjusted expenses of roughly $105 billion to support investments in technology and AI [5][12] - The expected card net charge-off rate for 2026 is approximately 3.4%, reflecting favorable delinquency trends [14] Regulatory and Strategic Themes - Executives discussed the implications of stablecoin legislation and potential credit card APR caps, emphasizing that such regulations could reduce access to credit [15][17] - The firm is actively involved in blockchain technology and has a partnership with Coinbase to enable crypto purchases within its ecosystem [15] Capital and Risk Management - JPMorgan's standardized CET1 ratio was 14.5%, down 30 basis points sequentially, influenced by capital distributions and higher risk-weighted assets (RWA) [7] - The firm reported about $160 billion of exposure to non-bank financial institution (NBFI) lending, with a strong loss history since 2018 [18]

Core Viewpoint - Soulpower Acquisition Corporation and SWB Holdings have announced the confidential submission of a draft registration statement for a proposed business combination, aiming to launch SOUL WORLD BANK™ [1][2][3] Company Overview - Soulpower Acquisition Corporation is a financials-focused special purpose acquisition company that raised $250 million in its initial public offering in April 2025 [5] - SWB LLC is a newly formed Cayman Islands company established to launch SOUL WORLD BANK™ and acquire various real-world assets [6] - SWB Holdings will be the publicly traded holding company of SOUL WORLD BANK™ and its affiliates upon the closing of the business combination [7] Business Combination Details - The draft registration statement relates to the proposed business combination between Pubco, Soulpower, and SWB LLC, which was previously announced on November 24, 2025 [2] - Pubco intends to list its non-voting Class A ordinary shares on the New York Stock Exchange under the ticker symbol "SOUL" upon closing [2][4] - The completion of the proposed transaction is subject to customary closing conditions, including shareholder approval and the effectiveness of the registration statement [3] Future Plans and Vision - The CEO of Soulpower expressed confidence in SOUL's potential to integrate traditional markets with new technologies such as AI and stablecoins, aiming to create a highly regarded banking institution [3] - SWB Holdings plans to launch with a substantial asset portfolio designed for stable book value and opportunities for asset tokenization [7]

RT Token Terminal 📊 (@tokenterminal)BREAKING: Holders of stablecoins are at an all-time high of 200 million. https://t.co/SBC2ktftkC ...

BREAKING: Holders of stablecoins are at an all-time high of 200 million. https://t.co/SBC2ktftkC ...

BREAKING: Market cap for stablecoins is at an all-time high of $310 billion. https://t.co/M9adNuWoWs ...

Ghana legalizes crypto trading with new law, plans to explore gold-backed stablecoins https://t.co/X45pLTw1iv ...

RT Token Terminal 📊 (@tokenterminal)Like USD stablecoins in 2020. https://t.co/PtY3R8Kbcn ...

Solana Ecosystem - Solana is positioned to become a leading hub for Real World Assets (RWAs), stablecoins, and Decentralized Finance (DeFi) [1] - cUSDO introduces a new element to the Solana ecosystem: a regulated, yield-bearing asset fully backed by tokenized US Treasuries [1] - cUSDO is designed for seamless integration across Solana's ecosystem [1]

RT Timmy Shen (@timmyhmshen)Hong Kong's insurance regulator is mulling new capital rules — including a 100% risk charge on insurers' crypto exposure."The review also covers capital treatment proposals… for stablecoins and crypto assets," the Hong Kong Insurance Authority told @TheBlock__ ...