华尔街四大行三季度利润均大幅下滑，美国衰退阴云逼近？

媒体滚动2022-10-17

美国东部时间10月14日美股盘前，摩根大通、花旗集团、富国银行和摩根士丹利四家华尔街大行齐齐交出“成绩单”，拉开美股三季度财报季的序幕。最新发布的业绩报告显示，受利率上升提振，各大银行在利息方面的收入有所增加；但整体盈利表现依然疲软，净利润与去年同期相比均出现较大幅度下挫。具体来看，摩根大通净利润同比下降17%；花旗净利润同比下降25%；富国银行净利润同比下降31%；摩根士丹利净利润同比下降29%...

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meme股探测器
2022-10-17
meme股探测器
天天说美国衰退，自己半导体公司被美国制裁那么惨，从来不提。呵呵

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Jane Fraser在财报电话会上的发言较为乐观。他表示，目前虽然已经看到经济放缓迹象，但美国经济仍具有韧性，这主要体现在劳动力市场保持强劲，消费和公司发展势头良好，供应链问题有所缓解等方面。此外，他认为，美国目前需要找到真正有效的措施对抗持续高企的核心通胀。富国银行14日公布的财报显示，该行三季度总营收195.1亿美元，同比增长4%，市场预期为187.51亿美元；净利润为35.3亿美元，同比下降31%，市场预期为41.13亿美元；摊薄后每股收益为0.85美元，低于去年同期的1.17美元。据悉，作为美国六大行中最依赖抵押贷款的银行，富国银行面临着销售与再融资活动急剧下降的压力。其住房贷款收入在第三季度下降了52%，而住房贷款的发放两较去年同期下降了59%至215亿美元。不过，得益于利率上升和贷款余额增加，该行的净利息收入在三季度增长了36%。鉴于富国银行专注于面向普通大众和中小企业的零售和商业银行业务，市场普遍预计该行将成为高利率环境最主要的受益者之一。在首批公布三季度财报的华尔街大行中，唯有摩根士丹利的总营收不及市场预期。该行三季度营收129.86亿美元，同比下降12%，低于预期的133.1亿美元；净利润为26.32亿美元，同比下降29%；摊薄后每股收益为1.47美元，低于预期的1.49美元，去年同期为1.98美元。摩根士丹利CEO James Gorman 在财报电话会上指出，目前还没有看到任何通胀显著下降的迹象；该公司的业务则受到市场环境的影响。Gorman表示，该行正在采取一些措施来应对充满挑战的环境，如高管们目前正在商议如何提高运营效率，并且对员工人数进行评估，暗示可能到来的裁员风波。衰退阴云步步逼近？值得注意的是，四家大行纷纷新增坏账拨备以应对可能来临的经济衰退。具体来看，摩根大通拨出8.1亿美元的坏账拨备，而在去年同期，该行则是释放了21亿美元的坏账拨备。花旗为潜在的信贷损失拨出3.7亿美元准备金，去年同期为释放坏账拨备10亿美元。富国银行新增坏账拨备7.8亿美元，去年同期释放坏账拨备14亿美元。摩根士丹利也新增了3500万美元的坏账拨备。摩根大通首席执行官Jamie Dimon在财报电话会上指出，美国消费者的资产负债表继续保持稳健、就业充足、企业发展良好；但整体经济形势正在变得黯淡——“我们面前有严峻的挑战：顽固的高通胀导致全球利率上升，量化紧缩的不确定影响，俄乌冲突正在增加地缘政治风险，以及石油供应和价格的脆弱状况。”Dimon说道，“虽然我们期盼最好的结果，但也始终保持警惕，并为最糟糕的结果做好准备”。Dimon强调，有“重大逆风”正威胁着经济，进而也威胁着该银行未来几个月的业务。本周早些时候，Dimon就曾多次警告美国经济将陷入衰退。他指出，在加息控制通胀的同时，美联储不可能成功实现“软着陆”，预计美国经济将在未来6到9个月陷入衰退。谈及经济放缓对银行业产生的影响，Dimon在电话会议上表示，如果美国失业率上升到5%至6%，该银行可能不得不在几个季度内将贷款损失准备金增加约50亿至60亿美元。摩根大通首席财务官Jeremy Barnum在财报电话会上也坦言，公司将“继续在不确定性上升的环境中航行”。在花旗的财报电话会上，Fraser表示，“有越来越多的证据表明全球经济增长放缓”。Fraser补充说，美国经济处于相对强劲的状态，但预计在2023年下半年，仍可能出现“温和衰退”。富国银行CEO Charlie Scharf也在财报电话会上指出，持续的高通胀使得联储激进加息、房地产需求迅速放缓，而经济前景不确定性与俄乌冲突又加剧金融市场波动。华尔街大行的财报季仍在进行之中。但到目前为止，已公布的报告所描绘出的，是一幅较为黯淡的经济前景。","kind":null,"is_publish_news":null,"is_publish_highlight":null,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"symbols":[],"gpt_button":1},"commentList":[{"id":666446113,"gmtCreate":1665968312333,"gmtModify":1665972403514,"author":{"id":"3573894597894015","authorId":"3573894597894015","name":"meme股探测器","avatar":"https://static.tigerbbs.com/0afcfdaf70dd438f493eb33b59464e55","vip":1,"crmLevel":2,"crmLevelSwitch":0},"htmlText":"天天说美国衰退，自己半导体公司被美国制裁那么惨，从来不提。 呵呵","listText":"天天说美国衰退，自己半导体公司被美国制裁那么惨，从来不提。 呵呵","text":"天天说美国衰退，自己半导体公司被美国制裁那么惨，从来不提。 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