Momo TakahashiJPMorgan and Wells Fargo kick off bank earnings on Friday.Expect lots of questions about how lower rates will affect business going forward.Investment bankers are counting on a surge in dealmaking to boost their bonuses.When Wall Street's biggest banks report earnings this week, led by JPMorgan Chase, investors will be listening closely for clues about how a changing interest-rate environment could affect business in 2025.The Federal Reserve in September cut the so-called federal funds rate by 50 basis points — the central bank's first cut in more than four years.