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JPMorgan Chase has dealt with the efforts of the organizers to understand the depth of banks and acquisition companies and the private credit sector, which refuses to detect its lending in an increasing area of ​​systematic anxiety.

American banking organizers imposed a final date on February 4 for lenders to reveal their exposure to various types of “non -bank financial institutions” on the basis of “the best effects”. The banks have even after the end of the second quarter to be completely compatible.

Bank of America, City Group, Goldman Sachs, Morgan Stanley and Wales Fargo have provided breakdowns of their lending, providing a window to the extent of the prevailing bank links with an increasing but still transparent of the financial system.

But the largest bank in the United States, all of which were described as $ 133 billion in lending to non -banks as “another” in its separate report submitted to the federal deposit insurance company instead of reducing it according to the type of borrower. This amount is more than the total loans for everyone except for a handful of the country’s largest banks.

A person familiar with JPMorgan’s decision said that the bank believes that there are “operational risks” in reporting his loan categories in one way to FDIC and another for the Federal Reserve, which adheres to the requirements of previous reporting and instructions to detect loans to non -visual loans. FDIC rejected the comment.

Organizers have sought to obtain more information about banks’ exposure to financial institutions other than banks with the growth of the sector and the possibility of wider systematic risks.

The total loans for lenders non -banks reached approximately 1.2 tennis at the end of 2024, which puts them on an equal footing with mortgage loans for commercial real estate developers and consumer credit card loans, according to the analysis of FDIC data by AGGREGATOR BANKREGDATA.

“Other than banks have become one of the most important borrowers and possibly fraught with risks in large American banks,” said the virus from the University of New York University. “At the present time, the only person who has a picture of a risk fraught, is the Federal Reserve, and only the banks he is testing.”

The loans provided by banks to “non -fake financial companies” increased from more than $ 50 billion in 2010, according to data from the United States Federal Reserve. The central bank said this month that it will provide an analysis of non -banking financial institutions and the risks they could pose on the country’s largest banks as part of this year’s stress tests.

Literate lenders and private credit boxes of companies often lend to them and can face a problem with borrowing from traditional banks. Performing some funds needed to create these loans can increase the returns of their investors, but also increases the risks of the financial system.

Even with the exception of Jpmorgan from FDIC data, new disclosure shows how private credit funds and private shares have become borrowed from traditional banks. American banks have reached 214 billion dollars in loans suspended for credit funds, other direct missionary lenders and another $ 200 billion for private stock boxes, the data shows.

Corporate lending is still higher because the numbers do not include lending to conservative companies.

Wells Fargo alone recorded $ 91 billion in loans to private credit companies and private stock boxes at the end of 2024 in their FDIC files. This was more than any other bank, and more than 10 percent of its total loans of $ 887 billion at the end of last year.

“We still think this is a limited danger to banks in terms of financial stability,” said Julie Solar, an analyst at Fitch Ratsings. “But with continued growth and development, you have the issue of how banks manage these risks.”