Canada's major financial institutions are wrapping up the year with impressive numbers. Record profits? Check. Fatter bonus checks for employees? Absolutely.

But here's the catch.

While the champagne's flowing now, storm clouds are gathering for 2026. Restructuring plans are already in the works, and economic headwinds could reshape the landscape. The institutions riding high today might face tougher decisions tomorrow.

It's the classic boom-before-uncertainty scenario. Strong year-end performance masking what could be a challenging road ahead. Worth watching how these heavyweight lenders navigate the transition from celebration mode to survival strategy.