摩根大通收入下滑 將大幅削減成本
JPMorgan Chase kicked off US banks’ third-quarter earnings season in disappointing fashion on Tuesday afternoon, vowing to find another half a billion dollars of cost cuts as it reported profits that missed market estimates.
週二下午，摩根大通(JPMorgan Chase)令人失望地開啓了美國銀行第三季度財報季節，該銀行承諾將再削減5億美元成本，因摩根大通報告的利潤不及市場預期。按資產衡量，摩根大通是美國最大銀行。
Analysts had been expecting a subdued period, with interest income compressed by the continued ultra-easy monetary policy of the US Federal Reserve, and investment banking activity hit by softer markets.
分析師預測這將是個低迷的財報季，美聯儲(Fed)繼續實施的超寬鬆貨幣政策壓縮了利息收入，同時投行活動受到市場疲軟的打擊。
In the end, the biggest US bank by assets delivered net income of $6.8bn, or $1.32 a share on an adjusted basis, on revenues about 7 per cent weaker, at $23.5bn. Analysts had expected earnings per share of $1.38, up two cents from a year earlier.
摩根大通報告，淨收入爲68億美元，經調整後每股盈利爲1.32美元，收入下滑約7%，爲235億美元。分析師原本預測該銀行每股收益爲1.38美元，同比上漲0.02美元。
Marianne Lake, chief financial officer, said the bank would redouble its efforts to cut expenses, promising to add another $500m to a scheduled $1bn savings programme for 2015. The bulk of the extra cuts — reducing the total cost base to $56.5bn — will come in the consumer and community banking division, according to a person familiar with the situation, as the bank automates more branch processes and cuts staff chasing problem loans.
摩根大通首席財務官瑪麗安雷克(Marianne Lake)表示，該銀行將加倍努力削減支出，承諾將爲2015年10億美元成本節約計劃再增加5億美元。據知情人士稱，大部分新增成本削減（總成本基礎將降至565億美元）將出現在消費者和社區銀行業部門，該銀行正令更多分支行實現程序自動化並裁減追蹤問題貸款的員工。
The unit’s headcount has already fallen by about 10,000 so far this year, and by 40,000 since 2012.
今年迄今，該部門已裁員約1萬人，自2012年以來已累計裁員4萬人。
Other big US banks are likely to echo JPMorgan’s attention to costs, said John Toohey, head of equities at USAA Investments, which is overweight bank stocks within its $6bn portfolio of equities managed in-house. Now that the huge penalties for mis-selling and misconduct are “largely in the rear-view mirror,” he said, banks need to focus on the humdrum task of “shrinking businesses and shutting down branches.”
USAA Investments股票主管約翰圖希(John Toohey)表示，其他美國大型銀行可能會仿效摩根大通對成本的關注。他表示，鑑於對違規銷售以及不當行爲的鉅額罰款基本上已告一段落，”銀行需要關注“收縮業務以及關閉分支行”這一單調任務。
