[U.S. Consumer and Credit Remain Resilient, Q3 Earnings Reports from Four Major Banks Show Active AI Financing Demand] Odaily Planet Daily News: qinbafrank posted on the X platform that the Q3 earnings reports released by JPMorgan Chase, Goldman Sachs, Citigroup, and Wells Fargo indicate that U.S. consumer spending remains resilient, major corporate lending by banks continues to expand, and actual credit losses have not risen broadly. JPMorgan Chase's credit card spending this quarter increased by 10% year-over-year, with a net charge-off rate of 1.27%. Year-over-year average loan growth for JPMorgan Chase, Citigroup, and Wells Fargo was 10%, 12%, and 11%, respectively. Goldman Sachs stated that customer demand for computing power exceeds supply, creating opportunities for financing arrangements, but it will remain selective in underwriting and capital commitments. JPMorgan Chase's CFO noted that AI financing demand and project pipelines remain active, with transaction pace influenced by valuations and market conditions.