Consumer Credit & Deposit Franchises

Deposit-taking banks monetize household cash balances and borrowing through lending, cards and transaction services. Recent share-price weakness across several established banks offers an entry point alongside digital banking growth, without depending on a technology-market rebound. The key risks are deteriorating credit quality and pressure on the spread between lending yields and deposit costs. Launch basket (equal weight): BAC, WFC, JPM, C, NU, COF Rules: 1. No inverse, leveraged or volatility ETFs. 2. Only names tradable at the enrolled brokers (Moomoo): no OTC listings, no dead tickers, nothing on the refused list.