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![whispertickers Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1937935302200373248.png) WhisperTick [@whispertickers](/creator/twitter/whispertickers) on x XXX followers
Created: 2025-07-26 16:54:04 UTC

Rising net interest income at big banks. But who’s really counting on fees any more?

Q2 2025: $BKU net income up 18%. NIMs nudging 3%. Lending books ballooning. 
• Commercial and CRE loans the new flavour.
• $CATY guiding >3.25% NIM this year. 
• The catch? Non-interest revenue still stalling. 

For smaller players, optimism’s feeling a bit forced – strong lending stats, but revenue misses. Meanwhile, fintech-fuelled lenders quietly lap up niche markets.

Margins rising, credit risk rising with them. Discipline or déjà vu?

Half the year left. Let’s see who blinks first.


XX engagements

![Engagements Line Chart](https://lunarcrush.com/gi/w:600/p:tweet::1949151244003446793/c:line.svg)

**Related Topics**
[lending](/topic/lending)
[q2](/topic/q2)
[$bku](/topic/$bku)
[$caty](/topic/$caty)

[Post Link](https://x.com/whispertickers/status/1949151244003446793)