揭开华尔街财报季序幕的美国大型银行上季获利表现疲弱,摩根大通、美国银行(BofA)盈余双双萎缩,富国银行(Wells
Fargo)获利虽有成长但低于预期,花旗甚至交出15季来最差业绩,且中期内将裁员2万人,令人忧虑美国企业获利展望。
摩根大通执行长戴蒙并表示,仍应对通膨和利率展望提高警觉,“仍有必要增加支出,反映绿色经济、全球供应链重组、军事支出升高和医疗照护成本增加。这可能导致通膨黏性比市场预期强,利率也可能比预期高。”
全美最大银行摩根大通12日公布,去年第4季获利93亿美元,比去年同期萎缩15%,主因是支付联邦存保公司(FDIC)一笔29亿美元的特别保费(special
assessments),与该行之前预估相符。大银行支付的这笔费用,协助弥补FDIC去年3月因应硅谷银行(SVB)等区域银行倒闭,而导致的180亿美元存款保险基金损失。上季营收则跃增12%,达到385.7亿美元。
摩根大通2023全年净利成长32%至496亿美元,不仅超越2021年缔造的先前最高纪录483亿美元,也创下美国银行史上空前最高纪录,更分别比竞争对手美银和富国银行多出230亿美元和300亿美元。利率走高扩大贷款息差,且收购第一共和银行为摩根大通带进数十亿美元的贷款,净利息收益(NII)也随之扩增。
摩根大通执行长戴蒙表示,美国经济仍展现韧性,市场预期会达成“软着陆”,但他认为仍应对通膨和利率展望提高警觉。他说:“仍有必要增加支出,反映绿色经济、全球供应链重组、军事支出升高和医疗照护成本增加。这可能导致通膨黏性比市场预期强,利率也可能比预期高。”
同日公布财报的花旗,上季亏损18亿美元,每股亏损1.16美元,一些一次性项目,包括向受组织整顿影响的员工提供的遣散费相关的7.8亿美元费用。
至于美银上季净利年减56%至31.4亿美元,比分析师预估降幅28%多一倍,主要受支付FDIC特别保费拖累、NII减少。以及交易营收下滑影响。
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