Forward Guidance is sponsored by VanEck.\n\nLearn more about VanEck Bitcoin Trust (HODL) http://vaneck.com/HODLFG.\n\nVanEck Bitcoin Trust (HODL) Prospectus: https://vaneck.com/us/hodlprospectus.\n__\nFollow Chris Whalen on Twitter https://twitter.com/rcwhalen\nFollow VanEck on Twitter https://twitter.com/vaneck_us\nFollow Jack Farley on Twitter https://twitter.com/JackFarley96\nFollow Forward Guidance on Twitter https://twitter.com/ForwardGuidance\nFollow Blockworks on Twitter https://twitter.com/Blockworks_\n__\nDisclaimer: Nothing discussed on Forward Guidance should be considered as investment advice. Please always do your own research & speak to a financial advisor before thinking about, thinking about putting your money into these crazy markets.\n\nTimestamps\n(00:00) Introduction\n(00:37) Banking Net Interest Income Is "Flat To Down"\n(04:26) Commercial Real Estate (CRE)\n(13:26) VanEck Ad\n(14:26)\n(17:31) Consumer Deposits Have Become "Toxic"\n(20:07) Schwab\n(22:15) Chris Expects Mid-Size Banks To "Do Better Than The Big Guys" Next Year\n(24:43) If There's No Recession, Are Bank Stocks Still Cheap?\n(27:41) Higher For Longer Will Continue To Be Bad For Banks' Core Business of Taking Deposits And Making Loans\n(30:19) Bank of America Should Be "Spanked"\n(32:59) Only A Few Fed Cuts Are Needed To Improve Banks' Position\n(35:13) Consumer Credit Continues To Be Fine ("Not Even At 2019 Levels")\n(37:10) Credit Risk Issues For Banks Are Primarily In CRE\n(38:12) New York Community Bank