“大行优等生”交卷！摩根大通Q2净利息收入、盈利均超预期

智通财经2023-07-14

7月14日美股盘前，摩根大通公布了2023年第二季度财务业绩。数据显示，Q2经调整营收424.01亿美元，同比增长34%，较市场预期高出24.5亿美元。Q2净利润144.72亿美元，同比增长67%。其中，备受市场关注的净利息收入(NII)二季度为219亿美元，同比增长44%，市场预期为210亿美元。非GAAP每股收益为4.37美元，较市场预期高出0.61美元。按业务划分来看，摩根大通二季度利润攀升...

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The net interest income and profit of JP Morgan Chase Q2 exceeded expectations","themeId":"7e685473cf0a4049b4059a5d69e57719","isJumpTheme":false,"ttsUrl":"https://static.tigerbbs.com/d79339a41815d60212452454a0007b60","symbols_score_info":{"JPM":1},"content_text":"7月14日美股盘前，摩根大通公布了2023年第二季度财务业绩。数据显示，Q2经调整营收424.01亿美元，同比增长34%，较市场预期高出24.5亿美元。Q2净利润144.72亿美元，同比增长67%。其中，备受市场关注的净利息收入(NII)二季度为219亿美元，同比增长44%，市场预期为210亿美元。非GAAP每股收益为4.37美元，较市场预期高出0.61美元。按业务划分来看，摩根大通二季度利润攀升主要收到消费者业务的提振。消费者和社区银行业务(CCB)营收为172.33亿美元，同比增长37%，净利润达53.06亿美元，同比增长71%。其中，银行和财富管理业务净收入为109亿美元，同比增长68%。公司和投资银行(CIB)业务营收125.19亿美元，同比增长4%，环比下降8%。关于其他部门，商业银行业务(CB)营收39.88亿美元，同比增长49%;资产及财富管理业务营收49.43亿美元，同比增长15%。随着储户将资金转向利率更高的货币市场资金，银行正在失去低成本存款，导致该行业的融资成本上升。小摩也开始感受储户的流失，二季度存款平均余额同比下降6%。与此同时，在美国遭遇银行业遭遇危机以后，美国监管机构正在提高银行的监管资本要求，这无疑提高了银行的成本。而且，最近由于投行与交易收入的放缓，许多银行正在进行大规模的裁员，由裁员带来的赔偿也将给成本端带来压力。这给该行业的利润率带来了压力。上个月，几家地区性银行公布的利息收入低于预期，分析师预计未来几周将有更多银行公布同样的数据。最重要的是，预计银行将披露贷款增长放缓和商业房地产债务相关成本上升，所有这些都会挤压银行的利润。不过，摩根大通受益于在5月初由美国牵头收购第一共和银行(FRCB.US)。此次收购让小摩增加了约2030亿美元的贷款和证券，以及920亿美元的存款，可能有助于摩根大通抵御该行业面临的一些不利因素。摩根大通二季度净利息收入为219亿美元，同比增长44%。非利息收入为208亿美元，同比增长11%。摩根大通最近在几个方面表现突出。无论是存款、融资成本还是净利息收入——自3月份地区银行业危机爆发以来，这些都是热门话题——小摩的表现都优于规模较小的同行。摩根大通上一次公布业绩是在4月份，当时其股价创下了20年来最大的单日收益涨幅。由于对今年经济放缓的预期，银行已开始计提更多的贷款损失拨备。摩根大通而季度信贷损失拨备为29亿美元，环比增长27%，同比增长163%，高于预期的27.2亿美元。其中包括15亿美元的净准备金和14亿美元的净冲销。此外，财报显示，Q2净资产收益率(ROE)为20%，上一季度为18%，上年同期为13%。有形普通股股本回报率(ROTCE)为25%，上一季度为23%，上年同期为17%。展望未来，摩根大通表示，预计全年净利息收入总额(不包括企业和投资银行业务)约为870亿美元，高于4月份预测的810亿美元。该公司还预计今年调整后的费用为845亿美元，而此前的指引为810亿美元。摩根大通预计2023财年信用卡服务净冲销率约为2.60%，与4月份发布的指引相同。","kind":null,"is_publish_news":true,"is_publish_highlight":true,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":1},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":1,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":false,"deviceId":"web-server-community-laohu8-v3","version":"4.25.1","shortVersion":"4.25.1","platform":"web","vendor":"web","appName":"laohu8","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2351253832"}