# Oracle may be facing a bank-debt ‘problem’ due to its deal with the maker of ChatGPT, OpenAI.

*business · news · 2026-05-03 · Times of India*

## Key points

- Oracle's $300 billion OpenAI deal has forced banks up against single-borrower exposure limits.
- Banks spent months struggling to distribute risk from Oracle-backed data centre loan packages.
- Oracle plans to raise $50 billion through stock and bond offerings for 2026 funding needs.
- Morgan Stanley estimates Oracle may need an additional $100 billion financing through 2028.
- Oracle's weaker credit ratings and higher debt levels deter lenders compared to other tech giants.

**Companies:** Oracle, Microsoft, JPMorgan Chase, Crusoe
**Countries:** United States

[Read the full story on Times of India](https://timesofindia.indiatimes.com/technology/tech-news/after-20000-plus-layoffs-how-oracles-promise-to-sam-altman-is-hurting-banks-across-america-including-jpmorgan/articleshow/130724125.cms)

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