The euro area’s bankers, battered by falling trading revenue and weak profitability, are predicting more pain as the European Central Bank gets ready to lower interest rates further into negative territory. While lenders managed over the past 18 months to counter the impact of the ECB’s push below zero, executives said a deeper descent threatens to upend banking’s centuries-old model of safeguarding deposits and charging interest on loans. In a world of subzero rates, depositors are charged and credit is almost free, with the goal of spurring economic growth and inflation. “We can cope with the current interest-rate ... (full story)