Business

Lower Interest Rate Enable Banks to Earn More in Interest Income, Experts Says

Published

6 years ago

July 16, 2019

CEO of Los Angles based investment advisor Chantico Global said that the Federal Reserve Bank is hinting that it will lower short-term rates later this month, which is good news for banks. By lowering the interest rate, banks would do best in the current rising interest rate environment. In this case, banks would earn more in the interest income. Spread between short and long term rates is widening after compressing them earlier this year. And this is continued in the bank’s profit.

In mid-march of this year, rates were compressing. Last ten years’ rate was 2.63% while the last two-year rate is 2.46%. The spread is narrower for the seven and one-year rates. Since then the spread has widened. Long term rates are at a healthy place relative to short term rates. As of 12th July, profit on the ten-year treasury is 2.12% as compared to 1.84% of the last two years; there is a spread of 28 basis points.

As the Federal bank is signaling to widen the spread, approach for banks would increase more, and net interest income is expected to increase again. Finansis is a relatively cheap loan provider finance company, which provides a cheap loan with a low-interest rate. One can take a minimum of $550 and a maximum $64,000 loan amount from Finansis, without security with a flexible repay period of 15 years. It provides a comparison service where you can get suggestions from popular banks which are providing the lowest interest rate.

Business

Black Banx Group — Third Quarter 2025 Results

Published

2 days ago

November 3, 2025

Matthew Wiles

FOR IMMEDIATE RELEASE · Road Town, British Virgin Islands · October 30 2025

Black Banx reports USD 4.3 billion revenue and USD 1.6 billion pre-tax profit in third quarter 2025

Black Banx Group today announced its results for the third quarter ended 30 September 2025, delivering strong performance with further progress toward its full-year targets.

Key figures for Q3 2025:

Revenue: USD 4.3 billion
Profit before tax (PBT): USD 1.6 billion
Cost-to-income ratio: ≈ 62%
Customer base (period-end): ~92 million clients

YTD (first nine months) results: Revenue USD 12.7 billion, PBT USD 4.7 billion, positioning the Group on track toward its full-year ambitions of ~USD 17 billion revenue and ~USD 6.4 billion PBT.

“Our Q3 results reaffirm the scalability and resilience of our platform,” said Michael Gastauer, Group CEO. “By continuing to scale our client base, deepen engagement, and drive operational efficiencies, we maintain momentum toward our 100 million-customer milestone and full-year ambitions.”

Daniel Dumitrascu, Group CFO, added: “We are pleased to demonstrate sequential improvement in our cost/income ratio despite ongoing investment in growth markets. With the first nine months delivered, our Q4 plan is well calibrated to close the year strongly.”

Business highlights:

Net customer adds of approximately 8 million during Q3, bringing the total client count to ~92 million as of 30 September 2025. On pace for the 100 million-customer target by year-end.
Continued growth across emerging markets, driven by expansion efforts in Africa, South Asia and Latin America.
Strong transaction volumes across cross-border payments and cryptocurrency-adjacent services, contributing to top-line resilience.
Ongoing initiatives to optimise operations and automate processes delivered a sequential improvement in cost/income ratio to ~62% from ~64% in Q2.
Strategic investments sustained in growth markets while preserving profitability and shareholder value.

Outlook:

With three quarters behind it, Black Banx remains aligned with its 2025 full-year targets of approximately USD 17 billion in revenue and ~USD 6.4 billion in pre-tax profit. The company anticipates a seasonally stronger Q4 performance, underpinned by ongoing global client acquisition and further monetisation of its platform.

About Black Banx Group:

Black Banx Group is a global digital banking and fintech platform serving tens of millions of private and business clients across more than 180 countries. The Group offers seamless, borderless banking services, including multi-currency accounts, cross-border payments and cryptocurrency-compatible solutions. Headquartered in the British Virgin Islands, Black Banx is dedicated to innovation, financial inclusion and delivering value to its stakeholders.

Media Contact:

Black Banx Media Relations
Email: [email protected]

Forward-looking statements: This press release contains forward-looking statements that involve risks and uncertainties, including statements regarding the Group’s business strategy, financial prospects, targets and trajectory. Actual results may differ materially from those anticipated.