Y-o-y quarterly net income growth of U.S. banking industry 2007-2023

Net income of the U.S. banking industry - including commercial banks and savings institutions - declined much more in 2008 than in 2022. The lowest growth rate was measured in the third quarter of 2008, when the net income of the banking industry was 94 percent less than in the same quarter of the previous year. After the global financial crisis in 2007/2008, the growth rate experienced a surge in 2009 and 2010. Between 2011 and 2019, it remained relatively stable, with less extreme fluctuations. As the COVID-19 pandemic - and with it the economic downturn - hit the economy of the U.S., the growth rate dropped again in 2020, then increased in 2021. The first half of 2022 brought another negative growth rate. As of the first quarter of 2023, the quarterly income growth rate of the American banking industry was 33.6 percent.

美国银行业的净收入，包括商业银行和储蓄机构，在2008年的降幅远大于2022年。2008年第三季度的最低增长率，当时银行业的净收入较上年同期下降了94%。2007/2008年全球金融危机之后，2009年和2010年增长率急剧上升。在2011年至2019年期间，增长率相对稳定，波动幅度较小。随着COVID-19疫情的爆发——随之而来的经济衰退——影响到了美国经济，2020年增长率再次下降，然后在2021年有所回升。2022年上半年又出现了负增长。截至2023年第一季度，美国银行业的季度收入增长率达到了33.6%。