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2021-07-15

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Bank of America’s Profit More Than Doubles, but Revenue Takes a Hit<blockquote>美国银行利润增长一倍多，但收入受到打击</blockquote>

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Bank of AmericaCorp.BAC-2.51%said the economic rebound helped to more than double its profit, but low rates weighed on its revenue.<blockquote>与同行一样，该银行继续释放为冠状病毒衰退预留的资金。美国银行(Bank of AmericaCorp.BAC-2.51%)表示，经济反弹帮助其利润增长了一倍以上，但低利率拖累了其收入。</blockquote> The nation’s second-largest bank by assets posted earnings Wednesday of $9.22 billion in the second quarter, up from $3.53 billion a year earlier. The bank earned $1.03 a share, beating the 77 cents forecast by analysts polled by FactSet.<blockquote>按资产计算，这家美国第二大银行周三公布第二季度盈利为92.2亿美元，高于去年同期的35.3亿美元。该银行每股收益1.03美元，超过FactSet调查的分析师预测的77美分。</blockquote> Bank of America’s bottom line was lifted by its decision to release $2.2 billion of reserves it had set aside during the depths of the coronavirus pandemic to protect against a wave of soured loans. Like peers including JPMorgan Chase &amp; Co., Bank of America has beenreleasing its loan-loss stockpilesas theU.S. economy rebounds.<blockquote>美国银行决定释放在冠状病毒大流行最严重时期留出的22亿美元准备金，以防范一波不良贷款，从而提高了其利润。与摩根大通等同行一样，美国银行一直在释放其贷款损失库存。经济反弹。</blockquote> “Consumer spending has significantly surpassed pre-pandemic levels, deposit growth is strong and loan levels have begun to grow,” CEO Brian Moynihan said.<blockquote>首席执行官布莱恩·莫伊尼汉(Brian Moynihan)表示：“消费者支出已显着超过大流行前的水平，存款增长强劲，贷款水平也开始增长。”</blockquote> Still, revenue in the second quarter was $21.47 billion, down 4% from $22.33 billion a year earlier. That missed analysts’ expectations of $21.8 billion. Bank of America has been the only major U.S. bank so far to miss analysts’ revenue predictions.<blockquote>尽管如此，第二季度营收为214.7亿美元，较去年同期的223.3亿美元下降4%。这低于分析师218亿美元的预期。美国银行是迄今为止唯一一家未达到分析师收入预测的美国大型银行。</blockquote> Investment-banking fees were a bright spot at JPMorgan andGoldman Sachs GroupInc.,which took advantage of companies’ thirst for deal making and posted double-digit gains in their investment-banking revenue. At Bank of America, however, investment-banking fees were down almost 2% to $2.12 billion. Advisory fees for mergers and acquisitions trailed peers.<blockquote>投资银行手续费是摩根大通和高盛集团的一大亮点，这两家公司利用公司对交易的渴望，投资银行收入实现了两位数的增长。然而，美国银行的投资银行费用下降了近2%，至21.2亿美元。并购咨询费落后于同行。</blockquote> Bank of America stock fell 2.5%. Still, bank stocks have outperformed the broader stock market this year as investors buy them to bet on the economic rebound.<blockquote>美国银行股价下跌2.5%。尽管如此，银行股今年的表现仍优于大盘，因为投资者买入银行股是为了押注经济反弹。</blockquote> Bank of America and its peers sit at the center of the U.S. economy. They have benefited from the reopening of businesses,record-high stock pricesand people’s increased willingness to spend after a year of hunkering down.<blockquote>美国银行及其同行处于美国经济的中心。他们受益于企业的重新开业、创纪录的高股价以及人们在一年的蛰伏后消费意愿的增强。</blockquote> But low rates and tepid loan demand have challenged banks. Bank of America in particular is sensitive to interest rates. Net interest income of $10.23 billion in the second quarter was down 6% from $10.85 billion a year earlier.<blockquote>但低利率和不温不火的贷款需求给银行带来了挑战。美国银行对利率尤其敏感。第二季度净利息收入为102.3亿美元，较去年同期的108.5亿美元下降6%。</blockquote> While rates remain at rock-bottom levels, there are signs that lending is picking up. Outstanding loans and leases totaled $918.93 billion in the second quarter, up 2% from $903.09 billion in the first quarter but down from a year ago.<blockquote>尽管利率仍处于最低水平，但有迹象表明贷款正在增加。第二季度未偿还贷款和租赁总额为9189.3亿美元，比第一季度的9030.9亿美元增长2%，但低于去年同期。</blockquote> Noninterest income, which includes fees, fell 2% to $11.23 billion, from $11.48 billion a year earlier.<blockquote>包括费用在内的非利息收入从去年同期的114.8亿美元下降2%至112.3亿美元。</blockquote> Bank of America, like its peers, suffered from a drop in trading, though its decline wasn’t as big. Adjusted trading revenue fell 19% to $3.6 billion from $4.41 billion a year earlier.<blockquote>与同行一样，美国银行也遭遇了交易量下跌，尽管跌幅没有那么大。调整后的交易收入从上年同期的44.1亿美元下降19%至36亿美元。</blockquote> But investors have also been watching Bank of America’s expenses, which rose 12% from a year earlier to $15.05 billion due partly to higher compensation costs.<blockquote>但投资者也一直在关注美国银行的支出，该支出较上年同期增长12%至150.5亿美元，部分原因是薪酬成本上升。</blockquote>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Bank of America’s Profit More Than Doubles, but Revenue Takes a Hit<blockquote>美国银行利润增长一倍多，但收入受到打击</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nBank of America’s Profit More Than Doubles, but Revenue Takes a Hit<blockquote>美国银行利润增长一倍多，但收入受到打击</blockquote>\n</h2>\n<h4 class=\"meta\">\n\nThe Wall Street Journal2021-07-15 15:51\n\n</h4>\n</header>\n<article>\n Like its peers, the bank continued to release money it had set aside for the coronavirus recession. Bank of AmericaCorp.BAC-2.51%said the economic rebound helped to more than double its profit, but low rates weighed on its revenue.<blockquote>与同行一样，该银行继续释放为冠状病毒衰退预留的资金。美国银行(Bank of AmericaCorp.BAC-2.51%)表示，经济反弹帮助其利润增长了一倍以上，但低利率拖累了其收入。</blockquote> The nation’s second-largest bank by assets posted earnings Wednesday of $9.22 billion in the second quarter, up from $3.53 billion a year earlier. The bank earned $1.03 a share, beating the 77 cents forecast by analysts polled by FactSet.<blockquote>按资产计算，这家美国第二大银行周三公布第二季度盈利为92.2亿美元，高于去年同期的35.3亿美元。该银行每股收益1.03美元，超过FactSet调查的分析师预测的77美分。</blockquote> Bank of America’s bottom line was lifted by its decision to release $2.2 billion of reserves it had set aside during the depths of the coronavirus pandemic to protect against a wave of soured loans. Like peers including JPMorgan Chase &amp; Co., Bank of America has beenreleasing its loan-loss stockpilesas theU.S. economy rebounds.<blockquote>美国银行决定释放在冠状病毒大流行最严重时期留出的22亿美元准备金，以防范一波不良贷款，从而提高了其利润。与摩根大通等同行一样，美国银行一直在释放其贷款损失库存。经济反弹。</blockquote> “Consumer spending has significantly surpassed pre-pandemic levels, deposit growth is strong and loan levels have begun to grow,” CEO Brian Moynihan said.<blockquote>首席执行官布莱恩·莫伊尼汉(Brian Moynihan)表示：“消费者支出已显着超过大流行前的水平，存款增长强劲，贷款水平也开始增长。”</blockquote> Still, revenue in the second quarter was $21.47 billion, down 4% from $22.33 billion a year earlier. That missed analysts’ expectations of $21.8 billion. Bank of America has been the only major U.S. bank so far to miss analysts’ revenue predictions.<blockquote>尽管如此，第二季度营收为214.7亿美元，较去年同期的223.3亿美元下降4%。这低于分析师218亿美元的预期。美国银行是迄今为止唯一一家未达到分析师收入预测的美国大型银行。</blockquote> Investment-banking fees were a bright spot at JPMorgan andGoldman Sachs GroupInc.,which took advantage of companies’ thirst for deal making and posted double-digit gains in their investment-banking revenue. At Bank of America, however, investment-banking fees were down almost 2% to $2.12 billion. Advisory fees for mergers and acquisitions trailed peers.<blockquote>投资银行手续费是摩根大通和高盛集团的一大亮点，这两家公司利用公司对交易的渴望，投资银行收入实现了两位数的增长。然而，美国银行的投资银行费用下降了近2%，至21.2亿美元。并购咨询费落后于同行。</blockquote> Bank of America stock fell 2.5%. Still, bank stocks have outperformed the broader stock market this year as investors buy them to bet on the economic rebound.<blockquote>美国银行股价下跌2.5%。尽管如此，银行股今年的表现仍优于大盘，因为投资者买入银行股是为了押注经济反弹。</blockquote> Bank of America and its peers sit at the center of the U.S. economy. They have benefited from the reopening of businesses,record-high stock pricesand people’s increased willingness to spend after a year of hunkering down.<blockquote>美国银行及其同行处于美国经济的中心。他们受益于企业的重新开业、创纪录的高股价以及人们在一年的蛰伏后消费意愿的增强。</blockquote> But low rates and tepid loan demand have challenged banks. Bank of America in particular is sensitive to interest rates. Net interest income of $10.23 billion in the second quarter was down 6% from $10.85 billion a year earlier.<blockquote>但低利率和不温不火的贷款需求给银行带来了挑战。美国银行对利率尤其敏感。第二季度净利息收入为102.3亿美元，较去年同期的108.5亿美元下降6%。</blockquote> While rates remain at rock-bottom levels, there are signs that lending is picking up. Outstanding loans and leases totaled $918.93 billion in the second quarter, up 2% from $903.09 billion in the first quarter but down from a year ago.<blockquote>尽管利率仍处于最低水平，但有迹象表明贷款正在增加。第二季度未偿还贷款和租赁总额为9189.3亿美元，比第一季度的9030.9亿美元增长2%，但低于去年同期。</blockquote> Noninterest income, which includes fees, fell 2% to $11.23 billion, from $11.48 billion a year earlier.<blockquote>包括费用在内的非利息收入从去年同期的114.8亿美元下降2%至112.3亿美元。</blockquote> Bank of America, like its peers, suffered from a drop in trading, though its decline wasn’t as big. Adjusted trading revenue fell 19% to $3.6 billion from $4.41 billion a year earlier.<blockquote>与同行一样，美国银行也遭遇了交易量下跌，尽管跌幅没有那么大。调整后的交易收入从上年同期的44.1亿美元下降19%至36亿美元。</blockquote> But investors have also been watching Bank of America’s expenses, which rose 12% from a year earlier to $15.05 billion due partly to higher compensation costs.<blockquote>但投资者也一直在关注美国银行的支出，该支出较上年同期增长12%至150.5亿美元，部分原因是薪酬成本上升。</blockquote>\n<div class=\"bt-text\">\n\n\n 来源：<a href=\"https://www.wsj.com/articles/bank-of-americas-profit-more-than-doubles-11626260663\">The Wall Street Journal</a>\n为提升您的阅读体验，我们对本页面进行了排版优化\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"BAC":"美国银行"},"source_url":"https://www.wsj.com/articles/bank-of-americas-profit-more-than-doubles-11626260663","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1104036057","content_text":"Like its peers, the bank continued to release money it had set aside for the coronavirus recession.\n\nBank of AmericaCorp.BAC-2.51%said the economic rebound helped to more than double its profit, but low rates weighed on its revenue.\nThe nation’s second-largest bank by assets posted earnings Wednesday of $9.22 billion in the second quarter, up from $3.53 billion a year earlier. The bank earned $1.03 a share, beating the 77 cents forecast by analysts polled by FactSet.\nBank of America’s bottom line was lifted by its decision to release $2.2 billion of reserves it had set aside during the depths of the coronavirus pandemic to protect against a wave of soured loans. Like peers including JPMorgan Chase & Co., Bank of America has beenreleasing its loan-loss stockpilesas theU.S. economy rebounds.\n“Consumer spending has significantly surpassed pre-pandemic levels, deposit growth is strong and loan levels have begun to grow,” CEO Brian Moynihan said.\nStill, revenue in the second quarter was $21.47 billion, down 4% from $22.33 billion a year earlier. That missed analysts’ expectations of $21.8 billion. Bank of America has been the only major U.S. bank so far to miss analysts’ revenue predictions.\nInvestment-banking fees were a bright spot at JPMorgan andGoldman Sachs GroupInc.,which took advantage of companies’ thirst for deal making and posted double-digit gains in their investment-banking revenue. At Bank of America, however, investment-banking fees were down almost 2% to $2.12 billion. Advisory fees for mergers and acquisitions trailed peers.\nBank of America stock fell 2.5%. Still, bank stocks have outperformed the broader stock market this year as investors buy them to bet on the economic rebound.\nBank of America and its peers sit at the center of the U.S. economy. They have benefited from the reopening of businesses,record-high stock pricesand people’s increased willingness to spend after a year of hunkering down.\nBut low rates and tepid loan demand have challenged banks. Bank of America in particular is sensitive to interest rates. Net interest income of $10.23 billion in the second quarter was down 6% from $10.85 billion a year earlier.\nWhile rates remain at rock-bottom levels, there are signs that lending is picking up. Outstanding loans and leases totaled $918.93 billion in the second quarter, up 2% from $903.09 billion in the first quarter but down from a year ago.\nNoninterest income, which includes fees, fell 2% to $11.23 billion, from $11.48 billion a year earlier.\nBank of America, like its peers, suffered from a drop in trading, though its decline wasn’t as big. Adjusted trading revenue fell 19% to $3.6 billion from $4.41 billion a year earlier.\nBut investors have also been watching Bank of America’s expenses, which rose 12% from a year earlier to $15.05 billion due partly to higher compensation costs.","news_type":1,"symbols_score_info":{"BAC":0.9}},"isVote":1,"tweetType":1,"viewCount":1246,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":5,"xxTargetLangEnum":"ORIG"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/147369750"}