ABA Banking Journal
No Result
View All Result
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive
SUBSCRIBE
ABA Banking Journal
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive
No Result
View All Result
No Result
View All Result
ADVERTISEMENT
Home ABA Banking Journal Podcast

Demographic trends shaping the U.S. banking outlook

July 30, 2025
Reading Time: 1 min read
Demographic trends shaping the U.S. banking outlook

The U.S. is experiencing a massive demographic shift driven by the aging Baby Boom generation, declining birth rates and shifts in immigration trends. What effect will aging have on the banking outlook? In the season finale of the ABA Banking Journal Podcast, ABA economist JP Rothenberg discusses how America’s aging population:

  • Shifts balance sheet management strategies with a surplus of stable deposits by weaker localized loan demand.
  • May increasingly push banks into new markets to drive loan growth, which further accelerates consolidation.
  • Magnifies credit risk during downturns in the tail of the risk profile
  • Increases opportunities for personalized wealth management solutions and expands the growth prospects of senior-serving business sectors.

Click here to download the episode if you can’t see the player above.

In this episode

JP Rothenberg
VP, Economist
ABA Office of the Chief Economist

ADVERTISEMENT
Tags: ABA Banking Journal PodcastDemographics
ShareTweetPin

Related Posts

Forces of transition: Aging population, declining birth rates, shifting immigration

Economy
July 31, 2025

Banks are increasingly pushed toward riskier lending strategies outside their immediate markets — heightening the need for strong risk management.

Former FDIC chair urges lawmakers to rethink credit union tax exemption

State bankers associations seek federal study on credit unions’ tax status

Community Banking
July 29, 2025

The Treasury Department should conduct a study of the $2.37 trillion credit union system to determine whether its current activities align with its longstanding tax-exempt status, 52 state bankers associations said in a joint letter to the department.

Beige Book: Economic activity held steady in most Fed districts

No flip of a switch

Economy
July 29, 2025

Did you know the Fed’s quantitative tightening is not the same as quantitative easing in reverse?

OCC sees need for regulatory reform in bank merger process

Bank acquisitions announced in four states

Community Banking
July 29, 2025

Proposed acquisitions announced of banks in Georgia, Massachusetts, South Dakota and Texas.

Reducing risks with expanding cloud deployment

Cybersecurity
July 29, 2025

Key outcomes from ABA and Financial Services Coordinating Council efforts to engage cloud service providers in cybersecurity and resilience challenges. 

SBA proposes to lift moratorium on 7(a) nondepository lenders

ABA urges lawmakers to prohibit direct lending under 7(a) loan program

Commercial Lending
July 28, 2025

ABA expressed its support for a bill to prohibit the Small Business Administration from directly making loans under the 7(a) loan program.

NEWSBYTES

FOMC holds rates steady

July 30, 2025

Court pauses lawsuit over Section 1033 data sharing rule

July 30, 2025

FDIC issues regulatory relief guidance for New Mexico, West Virginia

July 30, 2025

SPONSORED CONTENT

Navigating Disruption in Ag Lending – Why Tariffs Are Just the Tip of the Iceberg

Navigating Disruption in Ag Lending – Why Tariffs Are Just the Tip of the Iceberg

July 1, 2025
AI Compliance and Regulation: What Financial Institutions Need to Know

Unlocking Deposit Growth: How Financial Institutions Can Activate Data for Precision Cross-Sell

June 1, 2025
Choosing the Right Account Opening Platform: 10 Key Considerations for Long-Term Success

Choosing the Right Account Opening Platform: 10 Key Considerations for Long-Term Success

April 25, 2025
Outsourcing: Getting to Go/No-Go

Outsourcing: Getting to Go/No-Go

April 5, 2025

PODCASTS

Demographic trends shaping the U.S. banking outlook

July 30, 2025

Podcast: How institutional banking helps build one regional bank’s strategy

July 24, 2025

The future of careers in risk and compliance

July 17, 2025
ADVERTISEMENT

American Bankers Association
1333 New Hampshire Ave NW
Washington, DC 20036
1-800-BANKERS (800-226-5377)
www.aba.com
About ABA
Privacy Policy
Contact ABA

ABA Banking Journal
About ABA Banking Journal
Media Kit
Advertising
Subscribe

© 2025 American Bankers Association. All rights reserved.

No Result
View All Result
  • Topics
    • Ag Banking
    • Commercial Lending
    • Community Banking
    • Compliance and Risk
    • Cybersecurity
    • Economy
    • Human Resources
    • Insurance
    • Legal
    • Mortgage
    • Mutual Funds
    • Payments
    • Policy
    • Retail and Marketing
    • Tax and Accounting
    • Technology
    • Wealth Management
  • Newsbytes
  • Podcasts
  • Magazine
    • Subscribe
    • Advertise
    • Magazine Archive
    • Newsletter Archive
    • Podcast Archive
    • Sponsored Content Archive

© 2025 American Bankers Association. All rights reserved.