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2021-07-13

Nice

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2021-07-14

Lol

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2021-07-16

Ok

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2021-07-16

Yes

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2021-07-15

Nice

Biggest U.S. banks smash profit estimates as economy revives<blockquote>随着经济复苏，美国最大银行打破利润预期</blockquote>

2021-07-15

Nice

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2021-07-15

Gd

TV Lawyer, Ex-Israeli Commando Forge a $33 Billion SPAC Deal<blockquote>电视律师、前以色列突击队员达成 330 亿美元 SPAC 交易</blockquote>

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Co(WFC.N), Bank of America Corp(BAC.N), Citigroup Inc(C.N)and JPMorgan Chase &amp; Co(JPM.N)posted a combined $33 billion in profits, buoyed by the release of $9 billion in reserves they had put aside last year to absorb feared pandemic losses.</p><p><blockquote>富国银行 (WFC.N)、美国银行 (BAC.N)、花旗集团 (C.N) 和摩根大通 (JPM.N) 公布的利润合计为 330 亿美元，这得益于释放 90 亿美元的储备金。他们去年留出来吸收担心的大流行损失。</blockquote></p><p> That was beyond analystestimatesof about $24 billion combined, compared with $6 billion in the year-ago quarter.</p><p><blockquote>这超出了分析师估计的合计约 240 亿美元，而去年同期为 60 亿美元。</blockquote></p><p> Consumer spending has climbed, sometimes beyond pre-pandemic levels, while credit quality has improved and savings and investments have risen, the banks said.</p><p><blockquote>银行表示，消费者支出有所攀升，有时超过大流行前的水平，而信贷质量有所改善，储蓄和投资有所增加。</blockquote></p><p> Thanks to extraordinary government stimulus and loan repayment holidays, feared pandemic losses have not materialized. A national vaccination roll-out has allowed also Americans get back to work and to start spending again.</p><p><blockquote>由于政府采取了非同寻常的刺激措施和贷款偿还假期，人们担心疫情的损失并未实现。全国疫苗接种的推广也让美国人能够重返工作岗位并重新开始消费。</blockquote></p><p> Sizzling capital markets activity has also helped the largest U.S. banks, with Goldman Sachs Group Inc(GS.N)reporting a $5.35 billion profit, more than double its adjusted earnings a year ago.</p><p><blockquote>火热的资本市场活动也帮助了美国最大的银行，高盛集团 (GS.N) 报告利润为 53.5 亿美元，是一年前调整后收益的两倍多。</blockquote></p><p> \"The pace of the global recovery is exceeding earlier expectations and with it, consumer and corporate confidence is rising,\" Citigroup Chief Executive Officer Jane Fraser said.</p><p><blockquote>花旗集团首席执行官简·弗雷泽表示：“全球复苏的步伐超出了此前的预期，消费者和企业信心也随之上升。”</blockquote></p><p> That was reflected in a pick-up in consumer lending.</p><p><blockquote>这反映在消费贷款的回升上。</blockquote></p><p> For example, JPMorgan said combined spending on its debit and credit cards rose 22% compared with the same quarter in 2019, when spending patterns were more normal.</p><p><blockquote>例如，摩根大通表示，与 2019 年同期相比，其借记卡和信用卡的总支出增长了 22%，当时支出模式更为正常。</blockquote></p><p> Spending on Citi-branded credit cards in the United States jumped 40% from a year earlier, but with so many customers paying off balances its card loans fell 4%.read more</p><p><blockquote>美国花旗品牌信用卡的支出较去年同期增长了 40%，但由于许多客户还清余额，其信用卡贷款下降了 4%。了解更多</blockquote></p><p> Citigroup Chief Financial Officer Mark Mason said the bank expects more customers to go back to their pre-pandemic pattern of carrying revolving balances as government stimulus programs wind down later this year.</p><p><blockquote>花旗集团首席财务官马克·梅森表示，随着政府刺激计划在今年晚些时候结束，该银行预计更多客户将恢复到大流行前的循环资产负债表模式。</blockquote></p><p> Wells Fargo posted a 14% gain in credit-card revenue compared with the second quarter of 2020, due to higher point-of-sale volume. Revenue was up slightly on the first quarter, the bank said.</p><p><blockquote>由于销售点销量增加，富国银行公布信用卡收入较 2020 年第二季度增长 14%。该银行表示，第一季度收入略有增长。</blockquote></p><p> \"What we're seeing is people starting to spend and act more in a way that seems more like it was before the pandemic started and, certainly on the consumer side, spending is up quite a bit, even when you compare it to 2018,\" Wells Fargo chief financial officer Mike Santomassimo told reporters.</p><p><blockquote>富国银行首席财务官迈克·桑托马西莫 (Mike Santomassimo) 告诉记者：“我们看到的是，人们开始增加更多的支出和行为，看起来更像大流行开始之前的情况，当然在消费者方面，支出也大幅增加。”</blockquote></p><p> While loan growth is still tepid, which is usually bad for bank profits, there were signs that demand is creeping back.</p><p><blockquote>尽管贷款增长仍然不温不火，这通常不利于银行利润，但有迹象表明需求正在缓慢回升。</blockquote></p><p> Excluding loans related to the U.S. government's pandemic aid program, loan balances at Bank of America, for example, grew $5.1 billion from the first quarter.read more</p><p><blockquote>例如，不包括与美国政府大流行援助计划相关的贷款，美国银行的贷款余额比第一季度增加了 51 亿美元。了解更多</blockquote></p><p> \"Deposit growth is strong, and loan levels have begun to grow,\" Bank of America CEO Brian Moynihan said in a statement.</p><p><blockquote>美国银行首席执行官布莱恩·莫伊尼汉在一份声明中表示：“存款增长强劲，贷款水平也开始增长。”</blockquote></p><p> JPMorgan, the country's largest lender, on Tuesday reported profits of $11.9 billion compared with $4.7 billion last year.</p><p><blockquote>美国最大的银行摩根大通周二公布利润为 119 亿美元，而去年为 47 亿美元。</blockquote></p><p> Citigroup's second-quarter profit rose to $6.19 billion, up from $1.06 billion last year, while Bank of America's profit jumped to $8.96 billion from $3.28 billion.</p><p><blockquote>花旗集团第二季度利润从去年的10.6亿美元升至61.9亿美元，美国银行利润从32.8亿美元跃升至89.6亿美元。</blockquote></p><p> Wells Fargo posted a profit of $6 billion compared with a loss of $3.85 billion last year, which was largely related to special items.</p><p><blockquote>富国银行公布利润为 60 亿美元，而去年亏损 38.5 亿美元，这主要与特殊项目有关。</blockquote></p><p> While the results indicate good news for consumers and businesses, low interest rates, weak loan demand and a slowdown in trading will probably weigh on results going forward, analysts said.</p><p><blockquote>分析师表示，虽然结果对消费者和企业来说是个好消息，但低利率、贷款需求疲软和贸易放缓可能会拖累未来的业绩。</blockquote></p><p> The U.S. Federal Reserve is staying the course, with an inflation target of 2% and no plans to tighten monetary policy by, for instance, raising interest rates, Fed Chair Jerome Powell said in prepared remarks for a congressional appearance on Wednesday.read more</p><p><blockquote>美联储主席杰罗姆·鲍威尔周三在国会发表讲话时表示，美联储将坚持不懈，通胀目标为 2%，没有计划通过加息等方式收紧货币政策。阅读更多</blockquote></p><p> That suggests banks will have to deal with low rates for an extended period of time.</p><p><blockquote>这表明银行将不得不在较长时间内应对低利率。</blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; 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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\">\nBiggest U.S. banks smash profit estimates as economy revives<blockquote>随着经济复苏，美国最大银行打破利润预期</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">Reuters</strong><span class=\"h-time small\">2021-07-15 16:27</span>\n</p>\n</h4>\n</header>\n<article>\n<p>WASHINGTON, July 14 (Reuters) - The four largest U.S. consumer banks posted blockbuster second-quarter results this week, after pandemic loan losses failed to materialize and the U.S. economy began roaring back to life.</p><p><blockquote>路透华盛顿 7 月 14 日 - 美国四大消费银行本周公布了重磅第二季度业绩，此前疫情贷款损失未能实现，美国经济开始复苏。</blockquote></p><p> Wells Fargo &amp; Co(WFC.N), Bank of America Corp(BAC.N), Citigroup Inc(C.N)and JPMorgan Chase &amp; Co(JPM.N)posted a combined $33 billion in profits, buoyed by the release of $9 billion in reserves they had put aside last year to absorb feared pandemic losses.</p><p><blockquote>富国银行 (WFC.N)、美国银行 (BAC.N)、花旗集团 (C.N) 和摩根大通 (JPM.N) 公布的利润合计为 330 亿美元，这得益于释放 90 亿美元的储备金。他们去年留出来吸收担心的大流行损失。</blockquote></p><p> That was beyond analystestimatesof about $24 billion combined, compared with $6 billion in the year-ago quarter.</p><p><blockquote>这超出了分析师估计的合计约 240 亿美元，而去年同期为 60 亿美元。</blockquote></p><p> Consumer spending has climbed, sometimes beyond pre-pandemic levels, while credit quality has improved and savings and investments have risen, the banks said.</p><p><blockquote>银行表示，消费者支出有所攀升，有时超过大流行前的水平，而信贷质量有所改善，储蓄和投资有所增加。</blockquote></p><p> Thanks to extraordinary government stimulus and loan repayment holidays, feared pandemic losses have not materialized. A national vaccination roll-out has allowed also Americans get back to work and to start spending again.</p><p><blockquote>由于政府采取了非同寻常的刺激措施和贷款偿还假期，人们担心疫情的损失并未实现。全国疫苗接种的推广也让美国人能够重返工作岗位并重新开始消费。</blockquote></p><p> Sizzling capital markets activity has also helped the largest U.S. banks, with Goldman Sachs Group Inc(GS.N)reporting a $5.35 billion profit, more than double its adjusted earnings a year ago.</p><p><blockquote>火热的资本市场活动也帮助了美国最大的银行，高盛集团 (GS.N) 报告利润为 53.5 亿美元，是一年前调整后收益的两倍多。</blockquote></p><p> \"The pace of the global recovery is exceeding earlier expectations and with it, consumer and corporate confidence is rising,\" Citigroup Chief Executive Officer Jane Fraser said.</p><p><blockquote>花旗集团首席执行官简·弗雷泽表示：“全球复苏的步伐超出了此前的预期，消费者和企业信心也随之上升。”</blockquote></p><p> That was reflected in a pick-up in consumer lending.</p><p><blockquote>这反映在消费贷款的回升上。</blockquote></p><p> For example, JPMorgan said combined spending on its debit and credit cards rose 22% compared with the same quarter in 2019, when spending patterns were more normal.</p><p><blockquote>例如，摩根大通表示，与 2019 年同期相比，其借记卡和信用卡的总支出增长了 22%，当时支出模式更为正常。</blockquote></p><p> Spending on Citi-branded credit cards in the United States jumped 40% from a year earlier, but with so many customers paying off balances its card loans fell 4%.read more</p><p><blockquote>美国花旗品牌信用卡的支出较去年同期增长了 40%，但由于许多客户还清余额，其信用卡贷款下降了 4%。了解更多</blockquote></p><p> Citigroup Chief Financial Officer Mark Mason said the bank expects more customers to go back to their pre-pandemic pattern of carrying revolving balances as government stimulus programs wind down later this year.</p><p><blockquote>花旗集团首席财务官马克·梅森表示，随着政府刺激计划在今年晚些时候结束，该银行预计更多客户将恢复到大流行前的循环资产负债表模式。</blockquote></p><p> Wells Fargo posted a 14% gain in credit-card revenue compared with the second quarter of 2020, due to higher point-of-sale volume. Revenue was up slightly on the first quarter, the bank said.</p><p><blockquote>由于销售点销量增加，富国银行公布信用卡收入较 2020 年第二季度增长 14%。该银行表示，第一季度收入略有增长。</blockquote></p><p> \"What we're seeing is people starting to spend and act more in a way that seems more like it was before the pandemic started and, certainly on the consumer side, spending is up quite a bit, even when you compare it to 2018,\" Wells Fargo chief financial officer Mike Santomassimo told reporters.</p><p><blockquote>富国银行首席财务官迈克·桑托马西莫 (Mike Santomassimo) 告诉记者：“我们看到的是，人们开始增加更多的支出和行为，看起来更像大流行开始之前的情况，当然在消费者方面，支出也大幅增加。”</blockquote></p><p> While loan growth is still tepid, which is usually bad for bank profits, there were signs that demand is creeping back.</p><p><blockquote>尽管贷款增长仍然不温不火，这通常不利于银行利润，但有迹象表明需求正在缓慢回升。</blockquote></p><p> Excluding loans related to the U.S. government's pandemic aid program, loan balances at Bank of America, for example, grew $5.1 billion from the first quarter.read more</p><p><blockquote>例如，不包括与美国政府大流行援助计划相关的贷款，美国银行的贷款余额比第一季度增加了 51 亿美元。了解更多</blockquote></p><p> \"Deposit growth is strong, and loan levels have begun to grow,\" Bank of America CEO Brian Moynihan said in a statement.</p><p><blockquote>美国银行首席执行官布莱恩·莫伊尼汉在一份声明中表示：“存款增长强劲，贷款水平也开始增长。”</blockquote></p><p> JPMorgan, the country's largest lender, on Tuesday reported profits of $11.9 billion compared with $4.7 billion last year.</p><p><blockquote>美国最大的银行摩根大通周二公布利润为 119 亿美元，而去年为 47 亿美元。</blockquote></p><p> Citigroup's second-quarter profit rose to $6.19 billion, up from $1.06 billion last year, while Bank of America's profit jumped to $8.96 billion from $3.28 billion.</p><p><blockquote>花旗集团第二季度利润从去年的10.6亿美元升至61.9亿美元，美国银行利润从32.8亿美元跃升至89.6亿美元。</blockquote></p><p> Wells Fargo posted a profit of $6 billion compared with a loss of $3.85 billion last year, which was largely related to special items.</p><p><blockquote>富国银行公布利润为 60 亿美元，而去年亏损 38.5 亿美元，这主要与特殊项目有关。</blockquote></p><p> While the results indicate good news for consumers and businesses, low interest rates, weak loan demand and a slowdown in trading will probably weigh on results going forward, analysts said.</p><p><blockquote>分析师表示，虽然结果对消费者和企业来说是个好消息，但低利率、贷款需求疲软和贸易放缓可能会拖累未来的业绩。</blockquote></p><p> The U.S. Federal Reserve is staying the course, with an inflation target of 2% and no plans to tighten monetary policy by, for instance, raising interest rates, Fed Chair Jerome Powell said in prepared remarks for a congressional appearance on Wednesday.read more</p><p><blockquote>美联储主席杰罗姆·鲍威尔周三在国会发表讲话时表示，美联储将坚持不懈，通胀目标为 2%，没有计划通过加息等方式收紧货币政策。阅读更多</blockquote></p><p> That suggests banks will have to deal with low rates for an extended period of time.</p><p><blockquote>这表明银行将不得不在较长时间内应对低利率。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.reuters.com/business/finance/top-us-banks-smash-profit-estimates-rebounding-economy-2021-07-14/\">Reuters</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"C":"花旗","BAC":"美国银行","WFC":"富国银行","JPM":"摩根大通"},"source_url":"https://www.reuters.com/business/finance/top-us-banks-smash-profit-estimates-rebounding-economy-2021-07-14/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1142984811","content_text":"WASHINGTON, July 14 (Reuters) - The four largest U.S. consumer banks posted blockbuster second-quarter results this week, after pandemic loan losses failed to materialize and the U.S. economy began roaring back to life.\nWells Fargo & Co(WFC.N), Bank of America Corp(BAC.N), Citigroup Inc(C.N)and JPMorgan Chase & Co(JPM.N)posted a combined $33 billion in profits, buoyed by the release of $9 billion in reserves they had put aside last year to absorb feared pandemic losses.\nThat was beyond analystestimatesof about $24 billion combined, compared with $6 billion in the year-ago quarter.\nConsumer spending has climbed, sometimes beyond pre-pandemic levels, while credit quality has improved and savings and investments have risen, the banks said.\nThanks to extraordinary government stimulus and loan repayment holidays, feared pandemic losses have not materialized. A national vaccination roll-out has allowed also Americans get back to work and to start spending again.\nSizzling capital markets activity has also helped the largest U.S. banks, with Goldman Sachs Group Inc(GS.N)reporting a $5.35 billion profit, more than double its adjusted earnings a year ago.\n\"The pace of the global recovery is exceeding earlier expectations and with it, consumer and corporate confidence is rising,\" Citigroup Chief Executive Officer Jane Fraser said.\nThat was reflected in a pick-up in consumer lending.\nFor example, JPMorgan said combined spending on its debit and credit cards rose 22% compared with the same quarter in 2019, when spending patterns were more normal.\nSpending on Citi-branded credit cards in the United States jumped 40% from a year earlier, but with so many customers paying off balances its card loans fell 4%.read more\nCitigroup Chief Financial Officer Mark Mason said the bank expects more customers to go back to their pre-pandemic pattern of carrying revolving balances as government stimulus programs wind down later this year.\nWells Fargo posted a 14% gain in credit-card revenue compared with the second quarter of 2020, due to higher point-of-sale volume. Revenue was up slightly on the first quarter, the bank said.\n\"What we're seeing is people starting to spend and act more in a way that seems more like it was before the pandemic started and, certainly on the consumer side, spending is up quite a bit, even when you compare it to 2018,\" Wells Fargo chief financial officer Mike Santomassimo told reporters.\nWhile loan growth is still tepid, which is usually bad for bank profits, there were signs that demand is creeping back.\nExcluding loans related to the U.S. government's pandemic aid program, loan balances at Bank of America, for example, grew $5.1 billion from the first quarter.read more\n\"Deposit growth is strong, and loan levels have begun to grow,\" Bank of America CEO Brian Moynihan said in a statement.\nJPMorgan, the country's largest lender, on Tuesday reported profits of $11.9 billion compared with $4.7 billion last year.\nCitigroup's second-quarter profit rose to $6.19 billion, up from $1.06 billion last year, while Bank of America's profit jumped to $8.96 billion from $3.28 billion.\nWells Fargo posted a profit of $6 billion compared with a loss of $3.85 billion last year, which was largely related to special items.\nWhile the results indicate good news for consumers and businesses, low interest rates, weak loan demand and a slowdown in trading will probably weigh on results going forward, analysts said.\nThe U.S. Federal Reserve is staying the course, with an inflation target of 2% and no plans to tighten monetary policy by, for instance, raising interest rates, Fed Chair Jerome Powell said in prepared remarks for a congressional appearance on Wednesday.read more\nThat suggests banks will have to deal with low rates for an extended period of time.","news_type":1,"symbols_score_info":{"JPM":0.9,"BAC":0.9,"C":0.9,"WFC":0.9}},"isVote":1,"tweetType":1,"viewCount":1918,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":147874992,"gmtCreate":1626353537916,"gmtModify":1633927607447,"author":{"id":"3583751336625896","authorId":"3583751336625896","name":"khu","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3583751336625896","idStr":"3583751336625896"},"themes":[],"title":"","htmlText":"Nice&nbsp;","listText":"Nice&nbsp;","text":"Nice","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/147874992","repostId":"2151510215","repostType":4,"isVote":1,"tweetType":1,"viewCount":1916,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":147875617,"gmtCreate":1626353509039,"gmtModify":1633927607913,"author":{"id":"3583751336625896","authorId":"3583751336625896","name":"khu","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3583751336625896","idStr":"3583751336625896"},"themes":[],"title":"","htmlText":"Gd","listText":"Gd","text":"Gd","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/147875617","repostId":"1171091897","repostType":4,"repost":{"id":"1171091897","kind":"news","pubTimestamp":1626338605,"share":"https://www.laohunote.com/m/news/1171091897?lang=zh_CN&edition=full","pubTime":"2021-07-15 16:43","market":"us","language":"en","title":"TV Lawyer, Ex-Israeli Commando Forge a $33 Billion SPAC Deal<blockquote>电视律师、前以色列突击队员达成 330 亿美元 SPAC 交易</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1171091897","media":"Bloomberg","summary":"(Bloomberg) -- John H. Ruiz is on no one’s list of Wall Street big shots.\nOver the years the Miami l","content":"<p><div> (Bloomberg) -- John H. Ruiz is on no one’s list of Wall Street big shots. Over the years the Miami lawyer has hosted a Spanish language cable-TV show, owned a high school sport website and worked on ...</p><p><blockquote><div>(彭博社）--约翰-鲁伊斯（John H. Ruiz）不在任何人的华尔街大人物名单上。多年来，这位迈阿密律师主持了一个西班牙语有线电视节目，拥有一个高中体育网站，并致力于……</div></blockquote></p><p>  <a href=\"https://finance.yahoo.com/news/florida-lawyer-ex-paratrooper-forge-152841571.html\">网页链接</a>  </div> </p><p><blockquote><a href=\"https://finance.yahoo.com/news/florida-lawyer-ex-paratrooper-forge-152841571.html\">网页连接</a></blockquote></p><p></p>","source":"lsy1612507957220","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>TV Lawyer, Ex-Israeli Commando Forge a $33 Billion SPAC Deal<blockquote>电视律师、前以色列突击队员达成 330 亿美元 SPAC 交易</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\">\nTV Lawyer, Ex-Israeli Commando Forge a $33 Billion SPAC Deal<blockquote>电视律师、前以色列突击队员达成 330 亿美元 SPAC 交易</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">Bloomberg</strong><span class=\"h-time small\">2021-07-15 16:43</span>\n</p>\n</h4>\n</header>\n<article>\n<p><div> (Bloomberg) -- John H. Ruiz is on no one’s list of Wall Street big shots. Over the years the Miami lawyer has hosted a Spanish language cable-TV show, owned a high school sport website and worked on ...</p><p><blockquote><div>(彭博社）--约翰-鲁伊斯（John H. Ruiz）不在任何人的华尔街大人物名单上。多年来，这位迈阿密律师主持了一个西班牙语有线电视节目，拥有一个高中体育网站，并致力于……</div></blockquote></p><p>  <a href=\"https://finance.yahoo.com/news/florida-lawyer-ex-paratrooper-forge-152841571.html\">网页链接</a>  </div> </p><p><blockquote><a href=\"https://finance.yahoo.com/news/florida-lawyer-ex-paratrooper-forge-152841571.html\">网页连接</a></blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://finance.yahoo.com/news/florida-lawyer-ex-paratrooper-forge-152841571.html\">Bloomberg</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"LCAP":"Principal Capital Appreciation Select ETF"},"source_url":"https://finance.yahoo.com/news/florida-lawyer-ex-paratrooper-forge-152841571.html","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1171091897","content_text":"(Bloomberg) -- John H. Ruiz is on no one’s list of Wall Street big shots.\nOver the years the Miami lawyer has hosted a Spanish language cable-TV show, owned a high school sport website and worked on class-action lawsuits. At one point, his luxury cigarette boat was repossessed, according to a published report — an episode Ruiz has called a misunderstanding.\nYet today Ruiz is on the cusp of a $23 billion fortune as his MSP Recovery enters into a merger with Lionheart Acquisition Corporation II, a $230 million special purpose acquisition company founded by a former member of an Israel Defense Forces elite combat unit who spent most of his career in real estate.\nIf the deal is completed, it will go down as one of the most unusual SPAC transactions yet. Aside from the disparate backgrounds of its principals, the company forecasts zero revenue this year, there are none of the traditional co-investors participating and three of Lionheart’s directors have resigned in recent months. And at a $32.6 billion valuation, it’s the second-biggest proposed SPAC transaction after Grab Holdings’ $40 billion merger scheduled for later this year.\nSPAC Fortunes\nSPACs have become synonymous with enormous fortunes seemingly created overnight, such as the $11.3 billion stake Mat Ishbia realized when his mortgage company was taken public. But other fortunes have faded just as fast. Nikola Corp.’s Trevor Milton saw his net worth peak at almost $10 billion, according to the Bloomberg Billionaires Index, before allegations of fraud tanked the stock and forced him out of leadership at the company.\nThe frenzied dealmaking has also drawn the attention of regulators, who have zeroed in on the sometimes dubious business practices and questionable disclosures of merging firms, as well as the misalignment of interests between the people selling SPACs and those buying them. The Securities and Exchange Commission took the rare step this week of sanctioning a SPAC and its merger target — a space-cargo firm — for misleading investors.\nThe choice of MSP Recovery, a health-care payments recovery firm, comes despite Lionheart saying in its prospectus and website that it was looking for an acquisition in the real estate sector, which is where founder Ophir Sternberg spent most of his career.\nAfter emigrating from Israel in 1993 and a stint in New York, Sternberg bought and sold real estate in South Florida for most of the past decade. But he spotted an opportunity in the red-hot world of SPACs, and in December led the combination of restaurant chain BurgerFi International Inc. with Opes Acquisition Corp.\nBurgerFi shares closed Tuesday at $10.66, just above the $10 offering price of the SPAC that it merged with. For the year, they’re down 22%.\nBurgerFi’s $100 million deal is set to be dwarfed by Lionheart’s combination with MSP. Sternberg took Lionheart Acquistion Corporation II public last August.\n‘Deal Done’\n“Most SPACs ask for a 24 months before they throw in the towel and have to redeem,” Sternberg told Bloomberg News at the time. “I told my investors at the IPO level that I was very confident that we could get a deal done within a shorter time frame, so I took the lifespan down to 18 months.”\nThat put added pressure on Lionheart to find a deal quickly, even as it competed against a greater number of SPACs chasing a limited number of potential targets. If no agreement is reached before 18 months, Sternberg and his team earn nothing from the SPAC.\nLeading up to the MSP transaction, three directors on Lionheart’s five-person board resigned. One of them, Trevor Barran, who was also the firm’s chief operating officer, left last week, just days before the deal was announced on Monday. A fourth died in June.\n“Lionheart brought in new board of director members to eliminate any potential or perceived conflicts of interest, better align the board’s collective expertise with MSP’s business, and to have a total of four independent directors, one more than required,” a spokesperson for Lionheart said in a statement.\nMSP Recovery describes itself as a pioneer in obtaining reimbursements for Medicare and other health-care claims that should have been covered by other parties. The Coral Gables, Florida-based firm looks through records and identifies potentially erroneous payments using complex data analysis techniques. MSP said it owns nearly $50 billion in billed claims from its clients.\n‘Humongous Flaw’\n“The scalability of this business is beyond any business that exists,” said Ruiz, MSP’s founder and chief executive officer. “There’s a humongous flaw in the data capturing of medical claims and the insurance processing of those claims. This is a disruptive process that we’ve created and we’re changing the way that it’s done.”\nIf MSP is able to collect a payment, it typically shares half the money with the claim assignor, such as an insurance company that paid a wrong amount, and then pays lawyers 40% of the balance. MSP keeps what’s left.\nA law firm owned by Ruiz and MSP’s chief legal officer will the exclusive lead counsel for MSP, meaning it stands to receive 20% of all recovered payments, according to a filing.\nMSP calls the total amount recovered (before paying out the assignor and lawyers) gross revenue, and expects to take in about $3.1 billion in 2023. In an investor presentation, the company argued that its 10.5-times multiple against that revenue was in-line with prominent private equity firms it identified as peers, including Blackstone Group Inc., Brookfield Asset Management, Ares Management Corp. and KKR & Co.\nIt forecasts net revenue for that year of $963 million, and net income of $632 million. By 2026, it expects gross revenues of $23.8 billion.\nValuation Questions\nLionheart is putting as much as $160 million into MSP, depending on shareholder redemptions, in exchange for about 0.7% of the merged company. Unlike most SPAC deals, there’s no private investment in public equity, or PIPE, being injected alongside the SPAC.\nThat may be partly due to questions over valuation. Hedge fund Marshall Wace, an existing Lionheart investor, discussed participating in a PIPE at a valuation closer to $10 billion, according to a person with knowledge of the matter, who asked not to be identified discussing confidential information.\n“A wide range of valuations, which didn’t include the entire scope of what’s included in the company now, were discussed at a very preliminary stage nearly six months ago,” Ruiz said.\nA spokesperson for Marshall Wace declined to comment.\nShareholders who don’t redeem prior to the business combination are being offered at least 35 additional warrants allowing them to purchase shares at an $11.50 strike price. When those warrants are exercised, MSP’s founders — principally Ruiz — will sell their shares back to MSP at the strike price, meaning that on a net basis no new stock is issued. More than a billion such warrants will be dispersed.\nTransaction Costs\nRuiz has agreed to sell a large portion of his shares at 15% above their $10 value implied by the transaction, limiting his upside. Ruiz says it was part of the cost of getting the deal done.\nLionheart’s sponsor, controlled by Sternberg, will get about $60 million of shares, according to an investor presentation. Transaction costs, including banker fees, will eat up $70 million or about 30% of the cash Lionheart raised from investors last year. The remaining cash will be used to fund operations and growth. MSP anticipates $37 million in expenses this year on no revenue.\n“In the big scheme of things, it’s really de minimis,” Ruiz said, referring to the fees. “If I had to put a number on it, there’s more than 200, 300 people working on this deal.”\nOf all the players, Ruiz stands to gain the most. His 70% stake in the firm is worth close to $23 billion at the combination price. MSP and Lionheart executives will be allowed to sell 10% of their shares as soon as the transaction is completed, with the remainder subject to a six-month lock up.\nIt should be enough to buy as many cigarette boats as Ruiz wants. In fact, in May, he bought Cigarette Racing Team — the company, not the boat. His partner on the deal? 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link":"https://laohu8.com/post/147877636","repostId":"1142984811","repostType":4,"repost":{"id":"1142984811","kind":"news","pubTimestamp":1626337623,"share":"https://www.laohunote.com/m/news/1142984811?lang=zh_CN&edition=full","pubTime":"2021-07-15 16:27","market":"us","language":"en","title":"Biggest U.S. banks smash profit estimates as economy revives<blockquote>随着经济复苏，美国最大银行打破利润预期</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1142984811","media":"Reuters","summary":"WASHINGTON, July 14 (Reuters) - The four largest U.S. consumer banks posted blockbuster second-quart","content":"<p>WASHINGTON, July 14 (Reuters) - The four largest U.S. consumer banks posted blockbuster second-quarter results this week, after pandemic loan losses failed to materialize and the U.S. economy began roaring back to life.</p><p><blockquote>路透华盛顿 7 月 14 日 - 美国四大消费银行本周公布了重磅第二季度业绩，此前疫情贷款损失未能实现，美国经济开始复苏。</blockquote></p><p> Wells Fargo &amp; Co(WFC.N), Bank of America Corp(BAC.N), Citigroup Inc(C.N)and JPMorgan Chase &amp; Co(JPM.N)posted a combined $33 billion in profits, buoyed by the release of $9 billion in reserves they had put aside last year to absorb feared pandemic losses.</p><p><blockquote>富国银行 (WFC.N)、美国银行 (BAC.N)、花旗集团 (C.N) 和摩根大通 (JPM.N) 公布的利润合计为 330 亿美元，这得益于释放 90 亿美元的储备金。他们去年留出来吸收担心的大流行损失。</blockquote></p><p> That was beyond analystestimatesof about $24 billion combined, compared with $6 billion in the year-ago quarter.</p><p><blockquote>这超出了分析师估计的合计约 240 亿美元，而去年同期为 60 亿美元。</blockquote></p><p> Consumer spending has climbed, sometimes beyond pre-pandemic levels, while credit quality has improved and savings and investments have risen, the banks said.</p><p><blockquote>银行表示，消费者支出有所攀升，有时超过大流行前的水平，而信贷质量有所改善，储蓄和投资有所增加。</blockquote></p><p> Thanks to extraordinary government stimulus and loan repayment holidays, feared pandemic losses have not materialized. A national vaccination roll-out has allowed also Americans get back to work and to start spending again.</p><p><blockquote>由于政府采取了非同寻常的刺激措施和贷款偿还假期，人们担心疫情的损失并未实现。全国疫苗接种的推广也让美国人能够重返工作岗位并重新开始消费。</blockquote></p><p> Sizzling capital markets activity has also helped the largest U.S. banks, with Goldman Sachs Group Inc(GS.N)reporting a $5.35 billion profit, more than double its adjusted earnings a year ago.</p><p><blockquote>火热的资本市场活动也帮助了美国最大的银行，高盛集团 (GS.N) 报告利润为 53.5 亿美元，是一年前调整后收益的两倍多。</blockquote></p><p> \"The pace of the global recovery is exceeding earlier expectations and with it, consumer and corporate confidence is rising,\" Citigroup Chief Executive Officer Jane Fraser said.</p><p><blockquote>花旗集团首席执行官简·弗雷泽表示：“全球复苏的步伐超出了此前的预期，消费者和企业信心也随之上升。”</blockquote></p><p> That was reflected in a pick-up in consumer lending.</p><p><blockquote>这反映在消费贷款的回升上。</blockquote></p><p> For example, JPMorgan said combined spending on its debit and credit cards rose 22% compared with the same quarter in 2019, when spending patterns were more normal.</p><p><blockquote>例如，摩根大通表示，与 2019 年同期相比，其借记卡和信用卡的总支出增长了 22%，当时支出模式更为正常。</blockquote></p><p> Spending on Citi-branded credit cards in the United States jumped 40% from a year earlier, but with so many customers paying off balances its card loans fell 4%.read more</p><p><blockquote>美国花旗品牌信用卡的支出较去年同期增长了 40%，但由于许多客户还清余额，其信用卡贷款下降了 4%。了解更多</blockquote></p><p> Citigroup Chief Financial Officer Mark Mason said the bank expects more customers to go back to their pre-pandemic pattern of carrying revolving balances as government stimulus programs wind down later this year.</p><p><blockquote>花旗集团首席财务官马克·梅森表示，随着政府刺激计划在今年晚些时候结束，该银行预计更多客户将恢复到大流行前的循环资产负债表模式。</blockquote></p><p> Wells Fargo posted a 14% gain in credit-card revenue compared with the second quarter of 2020, due to higher point-of-sale volume. Revenue was up slightly on the first quarter, the bank said.</p><p><blockquote>由于销售点销量增加，富国银行公布信用卡收入较 2020 年第二季度增长 14%。该银行表示，第一季度收入略有增长。</blockquote></p><p> \"What we're seeing is people starting to spend and act more in a way that seems more like it was before the pandemic started and, certainly on the consumer side, spending is up quite a bit, even when you compare it to 2018,\" Wells Fargo chief financial officer Mike Santomassimo told reporters.</p><p><blockquote>富国银行首席财务官迈克·桑托马西莫 (Mike Santomassimo) 告诉记者：“我们看到的是，人们开始增加更多的支出和行为，看起来更像大流行开始之前的情况，当然在消费者方面，支出也大幅增加。”</blockquote></p><p> While loan growth is still tepid, which is usually bad for bank profits, there were signs that demand is creeping back.</p><p><blockquote>尽管贷款增长仍然不温不火，这通常不利于银行利润，但有迹象表明需求正在缓慢回升。</blockquote></p><p> Excluding loans related to the U.S. government's pandemic aid program, loan balances at Bank of America, for example, grew $5.1 billion from the first quarter.read more</p><p><blockquote>例如，不包括与美国政府大流行援助计划相关的贷款，美国银行的贷款余额比第一季度增加了 51 亿美元。了解更多</blockquote></p><p> \"Deposit growth is strong, and loan levels have begun to grow,\" Bank of America CEO Brian Moynihan said in a statement.</p><p><blockquote>美国银行首席执行官布莱恩·莫伊尼汉在一份声明中表示：“存款增长强劲，贷款水平也开始增长。”</blockquote></p><p> JPMorgan, the country's largest lender, on Tuesday reported profits of $11.9 billion compared with $4.7 billion last year.</p><p><blockquote>美国最大的银行摩根大通周二公布利润为 119 亿美元，而去年为 47 亿美元。</blockquote></p><p> Citigroup's second-quarter profit rose to $6.19 billion, up from $1.06 billion last year, while Bank of America's profit jumped to $8.96 billion from $3.28 billion.</p><p><blockquote>花旗集团第二季度利润从去年的10.6亿美元升至61.9亿美元，美国银行利润从32.8亿美元跃升至89.6亿美元。</blockquote></p><p> Wells Fargo posted a profit of $6 billion compared with a loss of $3.85 billion last year, which was largely related to special items.</p><p><blockquote>富国银行公布利润为 60 亿美元，而去年亏损 38.5 亿美元，这主要与特殊项目有关。</blockquote></p><p> While the results indicate good news for consumers and businesses, low interest rates, weak loan demand and a slowdown in trading will probably weigh on results going forward, analysts said.</p><p><blockquote>分析师表示，虽然结果对消费者和企业来说是个好消息，但低利率、贷款需求疲软和贸易放缓可能会拖累未来的业绩。</blockquote></p><p> The U.S. Federal Reserve is staying the course, with an inflation target of 2% and no plans to tighten monetary policy by, for instance, raising interest rates, Fed Chair Jerome Powell said in prepared remarks for a congressional appearance on Wednesday.read more</p><p><blockquote>美联储主席杰罗姆·鲍威尔周三在国会发表讲话时表示，美联储将坚持不懈，通胀目标为 2%，没有计划通过加息等方式收紧货币政策。阅读更多</blockquote></p><p> That suggests banks will have to deal with low rates for an extended period of time.</p><p><blockquote>这表明银行将不得不在较长时间内应对低利率。</blockquote></p><p></p>","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; 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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\">\nBiggest U.S. banks smash profit estimates as economy revives<blockquote>随着经济复苏，美国最大银行打破利润预期</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">Reuters</strong><span class=\"h-time small\">2021-07-15 16:27</span>\n</p>\n</h4>\n</header>\n<article>\n<p>WASHINGTON, July 14 (Reuters) - The four largest U.S. consumer banks posted blockbuster second-quarter results this week, after pandemic loan losses failed to materialize and the U.S. economy began roaring back to life.</p><p><blockquote>路透华盛顿 7 月 14 日 - 美国四大消费银行本周公布了重磅第二季度业绩，此前疫情贷款损失未能实现，美国经济开始复苏。</blockquote></p><p> Wells Fargo &amp; Co(WFC.N), Bank of America Corp(BAC.N), Citigroup Inc(C.N)and JPMorgan Chase &amp; Co(JPM.N)posted a combined $33 billion in profits, buoyed by the release of $9 billion in reserves they had put aside last year to absorb feared pandemic losses.</p><p><blockquote>富国银行 (WFC.N)、美国银行 (BAC.N)、花旗集团 (C.N) 和摩根大通 (JPM.N) 公布的利润合计为 330 亿美元，这得益于释放 90 亿美元的储备金。他们去年留出来吸收担心的大流行损失。</blockquote></p><p> That was beyond analystestimatesof about $24 billion combined, compared with $6 billion in the year-ago quarter.</p><p><blockquote>这超出了分析师估计的合计约 240 亿美元，而去年同期为 60 亿美元。</blockquote></p><p> Consumer spending has climbed, sometimes beyond pre-pandemic levels, while credit quality has improved and savings and investments have risen, the banks said.</p><p><blockquote>银行表示，消费者支出有所攀升，有时超过大流行前的水平，而信贷质量有所改善，储蓄和投资有所增加。</blockquote></p><p> Thanks to extraordinary government stimulus and loan repayment holidays, feared pandemic losses have not materialized. A national vaccination roll-out has allowed also Americans get back to work and to start spending again.</p><p><blockquote>由于政府采取了非同寻常的刺激措施和贷款偿还假期，人们担心疫情的损失并未实现。全国疫苗接种的推广也让美国人能够重返工作岗位并重新开始消费。</blockquote></p><p> Sizzling capital markets activity has also helped the largest U.S. banks, with Goldman Sachs Group Inc(GS.N)reporting a $5.35 billion profit, more than double its adjusted earnings a year ago.</p><p><blockquote>火热的资本市场活动也帮助了美国最大的银行，高盛集团 (GS.N) 报告利润为 53.5 亿美元，是一年前调整后收益的两倍多。</blockquote></p><p> \"The pace of the global recovery is exceeding earlier expectations and with it, consumer and corporate confidence is rising,\" Citigroup Chief Executive Officer Jane Fraser said.</p><p><blockquote>花旗集团首席执行官简·弗雷泽表示：“全球复苏的步伐超出了此前的预期，消费者和企业信心也随之上升。”</blockquote></p><p> That was reflected in a pick-up in consumer lending.</p><p><blockquote>这反映在消费贷款的回升上。</blockquote></p><p> For example, JPMorgan said combined spending on its debit and credit cards rose 22% compared with the same quarter in 2019, when spending patterns were more normal.</p><p><blockquote>例如，摩根大通表示，与 2019 年同期相比，其借记卡和信用卡的总支出增长了 22%，当时支出模式更为正常。</blockquote></p><p> Spending on Citi-branded credit cards in the United States jumped 40% from a year earlier, but with so many customers paying off balances its card loans fell 4%.read more</p><p><blockquote>美国花旗品牌信用卡的支出较去年同期增长了 40%，但由于许多客户还清余额，其信用卡贷款下降了 4%。了解更多</blockquote></p><p> Citigroup Chief Financial Officer Mark Mason said the bank expects more customers to go back to their pre-pandemic pattern of carrying revolving balances as government stimulus programs wind down later this year.</p><p><blockquote>花旗集团首席财务官马克·梅森表示，随着政府刺激计划在今年晚些时候结束，该银行预计更多客户将恢复到大流行前的循环资产负债表模式。</blockquote></p><p> Wells Fargo posted a 14% gain in credit-card revenue compared with the second quarter of 2020, due to higher point-of-sale volume. Revenue was up slightly on the first quarter, the bank said.</p><p><blockquote>由于销售点销量增加，富国银行公布信用卡收入较 2020 年第二季度增长 14%。该银行表示，第一季度收入略有增长。</blockquote></p><p> \"What we're seeing is people starting to spend and act more in a way that seems more like it was before the pandemic started and, certainly on the consumer side, spending is up quite a bit, even when you compare it to 2018,\" Wells Fargo chief financial officer Mike Santomassimo told reporters.</p><p><blockquote>富国银行首席财务官迈克·桑托马西莫 (Mike Santomassimo) 告诉记者：“我们看到的是，人们开始增加更多的支出和行为，看起来更像大流行开始之前的情况，当然在消费者方面，支出也大幅增加。”</blockquote></p><p> While loan growth is still tepid, which is usually bad for bank profits, there were signs that demand is creeping back.</p><p><blockquote>尽管贷款增长仍然不温不火，这通常不利于银行利润，但有迹象表明需求正在缓慢回升。</blockquote></p><p> Excluding loans related to the U.S. government's pandemic aid program, loan balances at Bank of America, for example, grew $5.1 billion from the first quarter.read more</p><p><blockquote>例如，不包括与美国政府大流行援助计划相关的贷款，美国银行的贷款余额比第一季度增加了 51 亿美元。了解更多</blockquote></p><p> \"Deposit growth is strong, and loan levels have begun to grow,\" Bank of America CEO Brian Moynihan said in a statement.</p><p><blockquote>美国银行首席执行官布莱恩·莫伊尼汉在一份声明中表示：“存款增长强劲，贷款水平也开始增长。”</blockquote></p><p> JPMorgan, the country's largest lender, on Tuesday reported profits of $11.9 billion compared with $4.7 billion last year.</p><p><blockquote>美国最大的银行摩根大通周二公布利润为 119 亿美元，而去年为 47 亿美元。</blockquote></p><p> Citigroup's second-quarter profit rose to $6.19 billion, up from $1.06 billion last year, while Bank of America's profit jumped to $8.96 billion from $3.28 billion.</p><p><blockquote>花旗集团第二季度利润从去年的10.6亿美元升至61.9亿美元，美国银行利润从32.8亿美元跃升至89.6亿美元。</blockquote></p><p> Wells Fargo posted a profit of $6 billion compared with a loss of $3.85 billion last year, which was largely related to special items.</p><p><blockquote>富国银行公布利润为 60 亿美元，而去年亏损 38.5 亿美元，这主要与特殊项目有关。</blockquote></p><p> While the results indicate good news for consumers and businesses, low interest rates, weak loan demand and a slowdown in trading will probably weigh on results going forward, analysts said.</p><p><blockquote>分析师表示，虽然结果对消费者和企业来说是个好消息，但低利率、贷款需求疲软和贸易放缓可能会拖累未来的业绩。</blockquote></p><p> The U.S. Federal Reserve is staying the course, with an inflation target of 2% and no plans to tighten monetary policy by, for instance, raising interest rates, Fed Chair Jerome Powell said in prepared remarks for a congressional appearance on Wednesday.read more</p><p><blockquote>美联储主席杰罗姆·鲍威尔周三在国会发表讲话时表示，美联储将坚持不懈，通胀目标为 2%，没有计划通过加息等方式收紧货币政策。阅读更多</blockquote></p><p> That suggests banks will have to deal with low rates for an extended period of time.</p><p><blockquote>这表明银行将不得不在较长时间内应对低利率。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.reuters.com/business/finance/top-us-banks-smash-profit-estimates-rebounding-economy-2021-07-14/\">Reuters</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"C":"花旗","BAC":"美国银行","WFC":"富国银行","JPM":"摩根大通"},"source_url":"https://www.reuters.com/business/finance/top-us-banks-smash-profit-estimates-rebounding-economy-2021-07-14/","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1142984811","content_text":"WASHINGTON, July 14 (Reuters) - The four largest U.S. consumer banks posted blockbuster second-quarter results this week, after pandemic loan losses failed to materialize and the U.S. economy began roaring back to life.\nWells Fargo & Co(WFC.N), Bank of America Corp(BAC.N), Citigroup Inc(C.N)and JPMorgan Chase & Co(JPM.N)posted a combined $33 billion in profits, buoyed by the release of $9 billion in reserves they had put aside last year to absorb feared pandemic losses.\nThat was beyond analystestimatesof about $24 billion combined, compared with $6 billion in the year-ago quarter.\nConsumer spending has climbed, sometimes beyond pre-pandemic levels, while credit quality has improved and savings and investments have risen, the banks said.\nThanks to extraordinary government stimulus and loan repayment holidays, feared pandemic losses have not materialized. A national vaccination roll-out has allowed also Americans get back to work and to start spending again.\nSizzling capital markets activity has also helped the largest U.S. banks, with Goldman Sachs Group Inc(GS.N)reporting a $5.35 billion profit, more than double its adjusted earnings a year ago.\n\"The pace of the global recovery is exceeding earlier expectations and with it, consumer and corporate confidence is rising,\" Citigroup Chief Executive Officer Jane Fraser said.\nThat was reflected in a pick-up in consumer lending.\nFor example, JPMorgan said combined spending on its debit and credit cards rose 22% compared with the same quarter in 2019, when spending patterns were more normal.\nSpending on Citi-branded credit cards in the United States jumped 40% from a year earlier, but with so many customers paying off balances its card loans fell 4%.read more\nCitigroup Chief Financial Officer Mark Mason said the bank expects more customers to go back to their pre-pandemic pattern of carrying revolving balances as government stimulus programs wind down later this year.\nWells Fargo posted a 14% gain in credit-card revenue compared with the second quarter of 2020, due to higher point-of-sale volume. Revenue was up slightly on the first quarter, the bank said.\n\"What we're seeing is people starting to spend and act more in a way that seems more like it was before the pandemic started and, certainly on the consumer side, spending is up quite a bit, even when you compare it to 2018,\" Wells Fargo chief financial officer Mike Santomassimo told reporters.\nWhile loan growth is still tepid, which is usually bad for bank profits, there were signs that demand is creeping back.\nExcluding loans related to the U.S. government's pandemic aid program, loan balances at Bank of America, for example, grew $5.1 billion from the first quarter.read more\n\"Deposit growth is strong, and loan levels have begun to grow,\" Bank of America CEO Brian Moynihan said in a statement.\nJPMorgan, the country's largest lender, on Tuesday reported profits of $11.9 billion compared with $4.7 billion last year.\nCitigroup's second-quarter profit rose to $6.19 billion, up from $1.06 billion last year, while Bank of America's profit jumped to $8.96 billion from $3.28 billion.\nWells Fargo posted a profit of $6 billion compared with a loss of $3.85 billion last year, which was largely related to special items.\nWhile the results indicate good news for consumers and businesses, low interest rates, weak loan demand and a slowdown in trading will probably weigh on results going forward, analysts said.\nThe U.S. Federal Reserve is staying the course, with an inflation target of 2% and no plans to tighten monetary policy by, for instance, raising interest rates, Fed Chair Jerome Powell said in prepared remarks for a congressional appearance on Wednesday.read more\nThat suggests banks will have to deal with low rates for an extended period of time.","news_type":1,"symbols_score_info":{"JPM":0.9,"BAC":0.9,"C":0.9,"WFC":0.9}},"isVote":1,"tweetType":1,"viewCount":1918,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":147874992,"gmtCreate":1626353537916,"gmtModify":1633927607447,"author":{"id":"3583751336625896","authorId":"3583751336625896","name":"khu","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3583751336625896","idStr":"3583751336625896"},"themes":[],"title":"","htmlText":"Nice&nbsp;","listText":"Nice&nbsp;","text":"Nice","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/147874992","repostId":"2151510215","repostType":4,"isVote":1,"tweetType":1,"viewCount":1916,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":147875617,"gmtCreate":1626353509039,"gmtModify":1633927607913,"author":{"id":"3583751336625896","authorId":"3583751336625896","name":"khu","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":1,"crmLevelSwitch":0,"followedFlag":false,"authorIdStr":"3583751336625896","idStr":"3583751336625896"},"themes":[],"title":"","htmlText":"Gd","listText":"Gd","text":"Gd","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/147875617","repostId":"1171091897","repostType":4,"repost":{"id":"1171091897","kind":"news","pubTimestamp":1626338605,"share":"https://www.laohunote.com/m/news/1171091897?lang=zh_CN&edition=full","pubTime":"2021-07-15 16:43","market":"us","language":"en","title":"TV Lawyer, Ex-Israeli Commando Forge a $33 Billion SPAC Deal<blockquote>电视律师、前以色列突击队员达成 330 亿美元 SPAC 交易</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1171091897","media":"Bloomberg","summary":"(Bloomberg) -- John H. Ruiz is on no one’s list of Wall Street big shots.\nOver the years the Miami l","content":"<p><div> (Bloomberg) -- John H. Ruiz is on no one’s list of Wall Street big shots. Over the years the Miami lawyer has hosted a Spanish language cable-TV show, owned a high school sport website and worked on ...</p><p><blockquote><div>(彭博社）--约翰-鲁伊斯（John H. Ruiz）不在任何人的华尔街大人物名单上。多年来，这位迈阿密律师主持了一个西班牙语有线电视节目，拥有一个高中体育网站，并致力于……</div></blockquote></p><p>  <a href=\"https://finance.yahoo.com/news/florida-lawyer-ex-paratrooper-forge-152841571.html\">网页链接</a>  </div> </p><p><blockquote><a href=\"https://finance.yahoo.com/news/florida-lawyer-ex-paratrooper-forge-152841571.html\">网页连接</a></blockquote></p><p></p>","source":"lsy1612507957220","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>TV Lawyer, Ex-Israeli Commando Forge a $33 Billion SPAC Deal<blockquote>电视律师、前以色列突击队员达成 330 亿美元 SPAC 交易</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\">\nTV Lawyer, Ex-Israeli Commando Forge a $33 Billion SPAC Deal<blockquote>电视律师、前以色列突击队员达成 330 亿美元 SPAC 交易</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">Bloomberg</strong><span class=\"h-time small\">2021-07-15 16:43</span>\n</p>\n</h4>\n</header>\n<article>\n<p><div> (Bloomberg) -- John H. Ruiz is on no one’s list of Wall Street big shots. Over the years the Miami lawyer has hosted a Spanish language cable-TV show, owned a high school sport website and worked on ...</p><p><blockquote><div>(彭博社）--约翰-鲁伊斯（John H. Ruiz）不在任何人的华尔街大人物名单上。多年来，这位迈阿密律师主持了一个西班牙语有线电视节目，拥有一个高中体育网站，并致力于……</div></blockquote></p><p>  <a href=\"https://finance.yahoo.com/news/florida-lawyer-ex-paratrooper-forge-152841571.html\">网页链接</a>  </div> </p><p><blockquote><a href=\"https://finance.yahoo.com/news/florida-lawyer-ex-paratrooper-forge-152841571.html\">网页连接</a></blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://finance.yahoo.com/news/florida-lawyer-ex-paratrooper-forge-152841571.html\">Bloomberg</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"LCAP":"Principal Capital Appreciation Select ETF"},"source_url":"https://finance.yahoo.com/news/florida-lawyer-ex-paratrooper-forge-152841571.html","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1171091897","content_text":"(Bloomberg) -- John H. Ruiz is on no one’s list of Wall Street big shots.\nOver the years the Miami lawyer has hosted a Spanish language cable-TV show, owned a high school sport website and worked on class-action lawsuits. At one point, his luxury cigarette boat was repossessed, according to a published report — an episode Ruiz has called a misunderstanding.\nYet today Ruiz is on the cusp of a $23 billion fortune as his MSP Recovery enters into a merger with Lionheart Acquisition Corporation II, a $230 million special purpose acquisition company founded by a former member of an Israel Defense Forces elite combat unit who spent most of his career in real estate.\nIf the deal is completed, it will go down as one of the most unusual SPAC transactions yet. Aside from the disparate backgrounds of its principals, the company forecasts zero revenue this year, there are none of the traditional co-investors participating and three of Lionheart’s directors have resigned in recent months. And at a $32.6 billion valuation, it’s the second-biggest proposed SPAC transaction after Grab Holdings’ $40 billion merger scheduled for later this year.\nSPAC Fortunes\nSPACs have become synonymous with enormous fortunes seemingly created overnight, such as the $11.3 billion stake Mat Ishbia realized when his mortgage company was taken public. But other fortunes have faded just as fast. Nikola Corp.’s Trevor Milton saw his net worth peak at almost $10 billion, according to the Bloomberg Billionaires Index, before allegations of fraud tanked the stock and forced him out of leadership at the company.\nThe frenzied dealmaking has also drawn the attention of regulators, who have zeroed in on the sometimes dubious business practices and questionable disclosures of merging firms, as well as the misalignment of interests between the people selling SPACs and those buying them. The Securities and Exchange Commission took the rare step this week of sanctioning a SPAC and its merger target — a space-cargo firm — for misleading investors.\nThe choice of MSP Recovery, a health-care payments recovery firm, comes despite Lionheart saying in its prospectus and website that it was looking for an acquisition in the real estate sector, which is where founder Ophir Sternberg spent most of his career.\nAfter emigrating from Israel in 1993 and a stint in New York, Sternberg bought and sold real estate in South Florida for most of the past decade. But he spotted an opportunity in the red-hot world of SPACs, and in December led the combination of restaurant chain BurgerFi International Inc. with Opes Acquisition Corp.\nBurgerFi shares closed Tuesday at $10.66, just above the $10 offering price of the SPAC that it merged with. For the year, they’re down 22%.\nBurgerFi’s $100 million deal is set to be dwarfed by Lionheart’s combination with MSP. Sternberg took Lionheart Acquistion Corporation II public last August.\n‘Deal Done’\n“Most SPACs ask for a 24 months before they throw in the towel and have to redeem,” Sternberg told Bloomberg News at the time. “I told my investors at the IPO level that I was very confident that we could get a deal done within a shorter time frame, so I took the lifespan down to 18 months.”\nThat put added pressure on Lionheart to find a deal quickly, even as it competed against a greater number of SPACs chasing a limited number of potential targets. If no agreement is reached before 18 months, Sternberg and his team earn nothing from the SPAC.\nLeading up to the MSP transaction, three directors on Lionheart’s five-person board resigned. One of them, Trevor Barran, who was also the firm’s chief operating officer, left last week, just days before the deal was announced on Monday. A fourth died in June.\n“Lionheart brought in new board of director members to eliminate any potential or perceived conflicts of interest, better align the board’s collective expertise with MSP’s business, and to have a total of four independent directors, one more than required,” a spokesperson for Lionheart said in a statement.\nMSP Recovery describes itself as a pioneer in obtaining reimbursements for Medicare and other health-care claims that should have been covered by other parties. The Coral Gables, Florida-based firm looks through records and identifies potentially erroneous payments using complex data analysis techniques. MSP said it owns nearly $50 billion in billed claims from its clients.\n‘Humongous Flaw’\n“The scalability of this business is beyond any business that exists,” said Ruiz, MSP’s founder and chief executive officer. “There’s a humongous flaw in the data capturing of medical claims and the insurance processing of those claims. This is a disruptive process that we’ve created and we’re changing the way that it’s done.”\nIf MSP is able to collect a payment, it typically shares half the money with the claim assignor, such as an insurance company that paid a wrong amount, and then pays lawyers 40% of the balance. MSP keeps what’s left.\nA law firm owned by Ruiz and MSP’s chief legal officer will the exclusive lead counsel for MSP, meaning it stands to receive 20% of all recovered payments, according to a filing.\nMSP calls the total amount recovered (before paying out the assignor and lawyers) gross revenue, and expects to take in about $3.1 billion in 2023. In an investor presentation, the company argued that its 10.5-times multiple against that revenue was in-line with prominent private equity firms it identified as peers, including Blackstone Group Inc., Brookfield Asset Management, Ares Management Corp. and KKR & Co.\nIt forecasts net revenue for that year of $963 million, and net income of $632 million. By 2026, it expects gross revenues of $23.8 billion.\nValuation Questions\nLionheart is putting as much as $160 million into MSP, depending on shareholder redemptions, in exchange for about 0.7% of the merged company. Unlike most SPAC deals, there’s no private investment in public equity, or PIPE, being injected alongside the SPAC.\nThat may be partly due to questions over valuation. Hedge fund Marshall Wace, an existing Lionheart investor, discussed participating in a PIPE at a valuation closer to $10 billion, according to a person with knowledge of the matter, who asked not to be identified discussing confidential information.\n“A wide range of valuations, which didn’t include the entire scope of what’s included in the company now, were discussed at a very preliminary stage nearly six months ago,” Ruiz said.\nA spokesperson for Marshall Wace declined to comment.\nShareholders who don’t redeem prior to the business combination are being offered at least 35 additional warrants allowing them to purchase shares at an $11.50 strike price. When those warrants are exercised, MSP’s founders — principally Ruiz — will sell their shares back to MSP at the strike price, meaning that on a net basis no new stock is issued. More than a billion such warrants will be dispersed.\nTransaction Costs\nRuiz has agreed to sell a large portion of his shares at 15% above their $10 value implied by the transaction, limiting his upside. Ruiz says it was part of the cost of getting the deal done.\nLionheart’s sponsor, controlled by Sternberg, will get about $60 million of shares, according to an investor presentation. Transaction costs, including banker fees, will eat up $70 million or about 30% of the cash Lionheart raised from investors last year. The remaining cash will be used to fund operations and growth. MSP anticipates $37 million in expenses this year on no revenue.\n“In the big scheme of things, it’s really de minimis,” Ruiz said, referring to the fees. “If I had to put a number on it, there’s more than 200, 300 people working on this deal.”\nOf all the players, Ruiz stands to gain the most. His 70% stake in the firm is worth close to $23 billion at the combination price. MSP and Lionheart executives will be allowed to sell 10% of their shares as soon as the transaction is completed, with the remainder subject to a six-month lock up.\nIt should be enough to buy as many cigarette boats as Ruiz wants. In fact, in May, he bought Cigarette Racing Team — the company, not the boat. His partner on the deal? None other than Sternberg.","news_type":1,"symbols_score_info":{"LCAP":0.9}},"isVote":1,"tweetType":1,"viewCount":2559,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0}],"lives":[]}