Delta Air Lines Inc DAL.N, BlackRock Inc BLK.N and UnitedHealth Group Inc UNH.N are also scheduled to report fourth-quarter earnings on Friday. JPMorgan Chase & Co JPM.N, Bank of America Corp BAC.N, Citigroup Inc C.N and Wells Fargo & Co WFC.N are forecast to report lower fourth-quarter profits before the opening bell, as they stockpile funds to prepare for an economic slowdown. With the Federal Reserve's aggressive tightening campaign to combat inflation, higher borrowing costs have prompted consumers and businesses to curb their spending, impacting banks' profits as demand for credit slows.