JPMorgan Eyes $103B NII, $95B Core NII and OnDeck Lending Tie-Up
JPMorgan expects total net interest income of $103 billion and core NII of $95 billion in 2026 following $95.9 billion in 2025, targeting growth through higher-yield lending and deposit reinvestment. The bank also launched Special Advisory Services in January and partnered with OnDeck to accelerate digital small-business lending.
1. Net Interest Income Outlook
JPMorgan forecasts 2026 total net interest income of $103 billion, up from $95.9 billion in 2025, with core NII excluding Markets projected at $95 billion and $8 billion from Markets. Management plans to drive growth through expanded lending in cards and wealth, higher deposit balances in Services, and reinvesting maturing securities into higher-yield assets.
2. Advisory Services Expansion
In January 2026, the bank introduced Special Advisory Services to offer clients tailored expertise across artificial intelligence, cybersecurity, digital assets and sustainability. It also deployed dedicated private-client bankers in affluent regions to enhance client engagement and deepen fee-based wealth management relationships.
3. OnDeck Partnership for Small-Business Lending
JPMorgan’s collaboration with OnDeck integrates OnDeck’s digital loan-processing platform to streamline small-business credit approvals. This partnership aims to reduce underwriting times, improve access to working capital for small enterprises and strengthen the bank’s competitive position in commercial lending.