NEW YORK - Wall Street is set to open lower today on worries about the spread of swine flu and the viability of banks.

Concerns that swine flu could hurt industries such as travel and tourism escalated after the World Health Organization said it is too late to contain the virus. The WHO raised its alert to a phase 4 out of 6, saying the flu spreads easily but is not pandemic.

Investors are nervous that banks' souring assets could also hinder the global economy's recovery.

Regulators last week briefed officials at the 19 biggest U.S. banks about the "stress tests" they conducted on them, but they are not planning to release the results publicly until May 4.

Ahead of the market opening, Dow Jones industrial average futures fell 112, or 1.4 percent, to 7,890. Standard & Poor's 500 index futures declined 14.50, or 1.7 percent, to 842.30, and Nasdaq 100 index futures dropped 18.25, or 1.3 percent, to 1,355.00.