What Falling Interest Rates Mean for KeyCorp's Net Interest Income [Yahoo! Finance]
KeyCorp (KEY)
Last keycorp earnings: 4/16 06:30 am
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Source: Yahoo! Finance
While the company's NII increased in 2020, 2021 and 2022, the metric declined in 2023 and 2024. In the first nine months of 2025, NII increased year over year, supported by lower deposit costs, the reinvestment of proceeds from maturing low-yielding investment securities, fixed-rate loans and swaps repricing into higher-yielding investments and balance sheet repositioning. Now, following the initial easing in 2024 and three subsequent rate cuts in 2025, interest rates stand at 3.50-3.75% currently. When benchmark interest rates fall, banks generally earn less interest on loans and variable-rate assets, because many of those rates reset downward. Moreover, if the interest that banks pay to depositors or on other funding does not fall as quickly, the spread between earnings and costs (what we call NII) narrows. However, with lower rates, funding costs gradually stabilize, supporting increased borrowing, which means more loan volumes. Thus, while lower interest rates might impact mar
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Earnings
- 10/16/25 - Beat
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Sec Filings
- 1/5/26 - Form 4
- 1/5/26 - Form 4
- 1/5/26 - Form 4
- KEY's page on the SEC website