受高利率影响，美银Q1净利下滑18%，商业地产亏损意外激增

华尔街见闻04-17

美国银行一季度营收同比下滑2%至258亿美元，净利润为66.7亿美元。受净利息收入下滑和商业地产亏损激增拖累，美银一季度利润大幅下滑。4月16日周二美股盘前，美国银行（BAC）公布截至3月31日的一季度业绩报告。财报显示，美国银行一季度营收为258亿美元，超出254.6亿美元的预期，同比下滑2%，净利润同比下降18%至66.7亿美元，调整后每股收益为83美分，超出77美分的预期。截止全天收盘，美银...

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Moynihan在财报中表示：“本季度我们的业务表现出色，增加了客户，加深了合作关系。我们的消费者支票账户达到3690万个，连续21个季度实现支票账户净增长。我们的财富管理团队创造了创纪录的收入，客户余额也创下新高，投资银行业务也出现反弹。”“美国银行的销售和交易业务在本季度延续了2023年的强劲势头，报告了十多年来最好的第一季度业绩。”净利息收入延续下滑 股票交易业务创最高纪录由于融资成本随着利率上升而攀升，美银的净利息收入延续下滑态势，减少4亿美元达141.9亿美元，同比下降3%，成为美银本季度利润大幅下滑的主要原因。分部门看，消费者银行业务部门一季度收入为101.66亿美元；全球财富与投资管理部门收入为55.9亿美元，同比增长5%，连续21个季度实现增长；全球银行和市场部门收入分别为59.8亿美元和58.8亿美元，投行费用同比增长35%达到16亿美元。分业务看，FICC业务（固定收益、外汇和大宗商品业务）收入同比下降6%，至32亿美元，主要由宏观产品交易环境疲弱推动，但抵押贷款交易改善抵消了部分影响；投资银行业务收入超预期跃升35%至15.7亿美元，预期为13.6亿美元。其中，受衍生品交易表现强劲的推动，股票收入增长14%，达到19亿美元，实现了有记录以来最佳季度水平之一。值得注意的是，美银一季度的冲销额激增至15亿美元，不良贷款达到59亿美元，环比增加4亿美元，主要由商业地产推动。有分析警告，尽管美银本季度的业绩报告大多超出预期，但商业地产和信用卡风险敞口开始出现大幅损失“只是时间问题”。","kind":null,"is_publish_news":null,"is_publish_highlight":null,"is_publish_live":null,"is_publish_wemedia":null,"editions":null,"symbols":[],"gpt_button":0},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"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; 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