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Article
Banks Face Hidden Macro Risks Beyond the Usual Playbook
Venkat Veeramani warns that U.S. banks are underestimating a mix of macro risks, from energy-driven inflation and private credit opacity to stablecoins and AI disruption, all of which could reshape funding, profitability, and policy expectations.
Apr 01, 2026
Venkat Veeramani, SVP, Chief Economist, Wintrust Financial Corporation
Tags:
Operational and Non Financial Risk
AI and Technology (including Fintech)
Credit Risk
The views and opinions expressed in this content are those of the thought leader as an individual and are not attributed to CeFPro or any other organization
- Energy volatility
could become structural and force a hawkish Fed response
- Private credit
remains a growing systemic risk due to opacity and leverage
- Stablecoins may
disrupt deposits, payments, and funding models
- Credit spreads may be
underpricing rising economic uncertainty
- Weak job openings
suggest deeper labor market fragility
- AI could either boost
productivity or deepen economic weakness if gains fail
- Deglobalization and
supply chain shifts may keep inflation higher for longer
- Banks may need to
reassess provisions, pricing, duration, and funding strategy
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