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The Fed ð The Fed isnât federal. It has no reserves. It isnât elected. And it serves no nation but its own interest. And yet, it rules every financial decision, every fiscal outcome, every breath of the economy â by design.
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Forwarded from Breakfast with Tiffany
The six largest US banks shed 15,000 jobs in Q1 2026 while posting $47 billion in profits, with CEOs crediting AI for headcount reductions; JPMorgan, Citi, Goldman Sachs, Bank of America, and Wells Fargo are now disclosing specific AI productivity metrics in earnings calls, marking the quarter where AI-driven workforce reduction moved from speculation to audited financial data.
The six largest American banks shed 15,000 employees in the first quarter of 2026 while posting 47 billion dollars in collective profits, up 18 per cent year on year. The chief executives are no longer hedging. Jamie Dimon said artificial intelligence will eliminate jobs and that people should stop sticking their heads in the sand. Wells Fargoâs Charlie Scharf said anyone who claims AI will not reduce headcount either does not know what they are talking about or is not being totally honest. Goldman Sachs circulated an internal memo warning of job cuts and a hiring freeze under a programme called OneGS 3.0. Citigroupâs headcount fell by 2,000 in a single quarter. Bank of Americaâs Brian Moynihan credited AI directly for workforce reductions four months after telling employees they did not have to worry.
The hedging is over. The earnings calls are the data.
The numbers
JPMorgan Chase is spending 19.8 billion dollars on technology in 2026, up two billion from the previous year. The bank reports that productivity in divisions using AI has risen to approximately 6 per cent, double the rate before deployment. Operations roles have been trimmed by 4 per cent and support functions by 2 per cent, while positions tied to client engagement and revenue generation rose 4 per cent. Dimon described it as a huge redeployment. The bankâs headcount has held roughly steady at 318,500, but the composition has shifted. The humans who process are being replaced by the humans who sell.
Bank of Americaâs AI assistant Erica now saves the equivalent of 11,000 full-time positions. Nearly 90 per cent of the bankâs 213,000 employees use the Erica for Employees internal tool. The bank has also used AI to remove 30 per cent of the labour from its coding process, a saving Moynihan quantified as 2,000 engineering positions. Quarterly profit reached 8.6 billion dollars, 1.6 billion ahead of the previous year, and the bank explicitly attributed part of the gain to headcount reduction and automation.
Citigroup is executing the most aggressive restructuring of the group. The bank plans to cut roughly 20,000 positions by the end of 2026, approximately 8 per cent of its global workforce. When the Banamex retail banking business in Mexico is listed separately, total headcount will fall by approximately 60,000 to around 180,000. CEO Jane Fraser told staff in a January memo that the bank is not graded on effort and that AI and automation would allow it to run middle-office and operational functions with fewer people. Citiâs AI tools now reach 182,000 employees across 84 countries, with adoption exceeding 70 per cent.
Goldman Sachs launched OneGS 3.0 in late 2025, an AI-driven overhaul of its cross-bank operations programme. The initiative targets sales, client onboarding, lending, regulatory reporting, and vendor management for AI deployment. Annual staffing cuts have been moved to the second quarter, targeting a 3 to 5 per cent reduction. CEO David Solomon has predicted that Goldman will have more employees, not fewer, in the long term, but the internal memo contradicts the conference rhetoric. In the near term, there will be fewer.
Wells Fargo has shrunk from 275,000 employees when Scharf joined in 2019 to just over 210,000 by late 2025. AI-powered code generation tools have made engineering teams 30 to 35 per cent more efficient. The bank has not reduced the number of coders, Scharf said, but is getting substantially more output from the same headcount. Internal budgets already assume a smaller workforce for 2026.
The six largest American banks shed 15,000 employees in the first quarter of 2026 while posting 47 billion dollars in collective profits, up 18 per cent year on year. The chief executives are no longer hedging. Jamie Dimon said artificial intelligence will eliminate jobs and that people should stop sticking their heads in the sand. Wells Fargoâs Charlie Scharf said anyone who claims AI will not reduce headcount either does not know what they are talking about or is not being totally honest. Goldman Sachs circulated an internal memo warning of job cuts and a hiring freeze under a programme called OneGS 3.0. Citigroupâs headcount fell by 2,000 in a single quarter. Bank of Americaâs Brian Moynihan credited AI directly for workforce reductions four months after telling employees they did not have to worry.
The hedging is over. The earnings calls are the data.
The numbers
JPMorgan Chase is spending 19.8 billion dollars on technology in 2026, up two billion from the previous year. The bank reports that productivity in divisions using AI has risen to approximately 6 per cent, double the rate before deployment. Operations roles have been trimmed by 4 per cent and support functions by 2 per cent, while positions tied to client engagement and revenue generation rose 4 per cent. Dimon described it as a huge redeployment. The bankâs headcount has held roughly steady at 318,500, but the composition has shifted. The humans who process are being replaced by the humans who sell.
Bank of Americaâs AI assistant Erica now saves the equivalent of 11,000 full-time positions. Nearly 90 per cent of the bankâs 213,000 employees use the Erica for Employees internal tool. The bank has also used AI to remove 30 per cent of the labour from its coding process, a saving Moynihan quantified as 2,000 engineering positions. Quarterly profit reached 8.6 billion dollars, 1.6 billion ahead of the previous year, and the bank explicitly attributed part of the gain to headcount reduction and automation.
Citigroup is executing the most aggressive restructuring of the group. The bank plans to cut roughly 20,000 positions by the end of 2026, approximately 8 per cent of its global workforce. When the Banamex retail banking business in Mexico is listed separately, total headcount will fall by approximately 60,000 to around 180,000. CEO Jane Fraser told staff in a January memo that the bank is not graded on effort and that AI and automation would allow it to run middle-office and operational functions with fewer people. Citiâs AI tools now reach 182,000 employees across 84 countries, with adoption exceeding 70 per cent.
Goldman Sachs launched OneGS 3.0 in late 2025, an AI-driven overhaul of its cross-bank operations programme. The initiative targets sales, client onboarding, lending, regulatory reporting, and vendor management for AI deployment. Annual staffing cuts have been moved to the second quarter, targeting a 3 to 5 per cent reduction. CEO David Solomon has predicted that Goldman will have more employees, not fewer, in the long term, but the internal memo contradicts the conference rhetoric. In the near term, there will be fewer.
Wells Fargo has shrunk from 275,000 employees when Scharf joined in 2019 to just over 210,000 by late 2025. AI-powered code generation tools have made engineering teams 30 to 35 per cent more efficient. The bank has not reduced the number of coders, Scharf said, but is getting substantially more output from the same headcount. Internal budgets already assume a smaller workforce for 2026.
Forwarded from ãããŠãã
Breakfast with Tiffany
The six largest US banks shed 15,000 jobs in Q1 2026 while posting $47 billion in profits, with CEOs crediting AI for headcount reductions; JPMorgan, Citi, Goldman Sachs, Bank of America, and Wells Fargo are now disclosing specific AI productivity metricsâŠ
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Forwarded from Wolverine ðŠðº ðŠðº
Hi guys
It was a fantastic call today with Mauricio itâs a pity not everything came through.
Peter is going to do everything possible to get it translated.
There were so some comments saying that Mauricio is a paymaster and that I have said that many times which is 10000% false . Please be careful with these people that give out misinformation, do your research please .
I did ask Mauricio early this week if we are close and he said yes as he came out of a meeting with treasury and itâs all looking very good .
Thank you for all the support guys . Donât ever lose faith and never give up.
God bless
Wolverine
It was a fantastic call today with Mauricio itâs a pity not everything came through.
Peter is going to do everything possible to get it translated.
There were so some comments saying that Mauricio is a paymaster and that I have said that many times which is 10000% false . Please be careful with these people that give out misinformation, do your research please .
I did ask Mauricio early this week if we are close and he said yes as he came out of a meeting with treasury and itâs all looking very good .
Thank you for all the support guys . Donât ever lose faith and never give up.
God bless
Wolverine
Forwarded from ãããŠãã
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Hi guys It was a fantastic call today with Mauricio itâs a pity not everything came through. Peter is going to do everything possible to get it translated. There were so some comments saying that Mauricio is a paymaster and that I have said that many timesâŠ
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Forwarded from Melaniastasia Romanov
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IRAQâS NEW GOVERNMENT OFFICIALLY BEGINS
Iraq has entered a new governing chapter.
Prime Minister Mr. Ali Falah Al-Zaidi has officially assumed his duties as head of government and Commander-in-Chief of the Armed Forces, following the formal handover ceremony with former Prime Minister Mr. Mohammed Shia Al-Sudani at the Government Palace in Baghdad.
The symbolism matters. The national anthem, the honor guard representing Iraqâs armed forces, and the artillery salute all marked more than a ceremony â they marked the constitutional transfer of executive authority and the beginning of a new political cycle.
In his first address to the Iraqi people, Al-Zaidi placed the emphasis exactly where Iraq needs it most: national partnership, economic reform, protection of public funds, anti-corruption, youth employment, stronger services, healthcare, education, infrastructure, sovereignty, and balanced regional and international relations.
His message was clear: the next phase cannot be built on slogans. It must be built on institutions, law, justice, and measurable delivery.
The most important economic signal was his pledge to launch a comprehensive financial and economic reform program aimed at building a diversified, sustainable national economy â one that does not remain dependent on a single resource. That means industry, agriculture, tourism, investment, private sector growth, and Iraqi talent must now move from talking points into execution.
This is where the Central Bank, fiscal discipline, banking reform, anti-corruption controls, and dollar-access modernization become central. A stronger state requires a stronger financial system. A stronger dinar requires confidence, stability, transparency, and productive growth â not speculation.
Al-Zaidi also presided over the first regular meeting of the Council of Ministers, signaling that the government is moving immediately from ceremony to administration.
Iraqâs opportunity now is discipline.
If this government can turn partnership into policy, reform into implementation, and stability into investor confidence, then this moment may be remembered as more than a transfer of power.
It may be remembered as the opening step toward a more institutional, sovereign, and economically resilient Iraq.
Melaniastasia Romanov
Iraq has entered a new governing chapter.
Prime Minister Mr. Ali Falah Al-Zaidi has officially assumed his duties as head of government and Commander-in-Chief of the Armed Forces, following the formal handover ceremony with former Prime Minister Mr. Mohammed Shia Al-Sudani at the Government Palace in Baghdad.
The symbolism matters. The national anthem, the honor guard representing Iraqâs armed forces, and the artillery salute all marked more than a ceremony â they marked the constitutional transfer of executive authority and the beginning of a new political cycle.
In his first address to the Iraqi people, Al-Zaidi placed the emphasis exactly where Iraq needs it most: national partnership, economic reform, protection of public funds, anti-corruption, youth employment, stronger services, healthcare, education, infrastructure, sovereignty, and balanced regional and international relations.
His message was clear: the next phase cannot be built on slogans. It must be built on institutions, law, justice, and measurable delivery.
The most important economic signal was his pledge to launch a comprehensive financial and economic reform program aimed at building a diversified, sustainable national economy â one that does not remain dependent on a single resource. That means industry, agriculture, tourism, investment, private sector growth, and Iraqi talent must now move from talking points into execution.
This is where the Central Bank, fiscal discipline, banking reform, anti-corruption controls, and dollar-access modernization become central. A stronger state requires a stronger financial system. A stronger dinar requires confidence, stability, transparency, and productive growth â not speculation.
Al-Zaidi also presided over the first regular meeting of the Council of Ministers, signaling that the government is moving immediately from ceremony to administration.
Iraqâs opportunity now is discipline.
If this government can turn partnership into policy, reform into implementation, and stability into investor confidence, then this moment may be remembered as more than a transfer of power.
It may be remembered as the opening step toward a more institutional, sovereign, and economically resilient Iraq.
Melaniastasia Romanov
Forwarded from ãããŠãã
Melaniastasia Romanov
IRAQâS NEW GOVERNMENT OFFICIALLY BEGINS Iraq has entered a new governing chapter. Prime Minister Mr. Ali Falah Al-Zaidi has officially assumed his duties as head of government and Commander-in-Chief of the Armed Forces, following the formal handover ceremonyâŠ
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Melaniastasia Romanov
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