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StellaHJY

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2021-07-24

Like

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2021-07-15

Gd

Wells Fargo Reports Another Disappointing Quarter: Interest Income Flat As Average Loans Tumble<blockquote>富国银行报告又一个令人失望的季度：平均贷款下降，利息收入持平</blockquote>

2021-07-26

Yes good yes good

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2021-07-29

Hopefully

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2021-07-27

Good

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2021-07-24

Gd

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2021-11-12

$PARKWAYLIFE REIT(C2PU.SI)$Uh...

2021-06-21

$Starbucks(SBUX)$wwooww

2021-10-04

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2021-06-26

$Starbucks(SBUX)$wowooww

2021-06-15

Woooww

Toplines Before US Market Open on Tuesday<blockquote>周二美国市场开盘前的营收</blockquote>

2021-11-12

$Starbucks(SBUX)$ugnmmn

2021-10-22

$FRENCKEN GROUP LIMITED(E28.SI)$ihhmmm

2021-10-21

$AEM HOLDINGS LTD(AWX.SI)$uhnmmm

2021-10-08

$RIVERSTONE HOLDINGS LIMITED(AP4.SI)$uhmmmm

2021-10-05

$Cloudflare, Inc.(NET)$Uhnnnn

2021-10-03

$KIMLY LIMITED(1D0.SI)$uhmmm

2021-08-05

$Starbucks(SBUX)$uhmmmm

2021-07-24

G

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2021-06-13

Uhmmm

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美港A通吃 结果几何","htmlText":"应虎妞要求 我也来蹭蹭热度 做个年终盘点 作为一个佛系的投资者，我不碰期权，只对正股那个三位数感兴趣，疯狂追求从头到尾的自豪感。数字游戏（指量化）从头玩到尾，被很多人质疑过，好奇过，学习过，是玄学还是科学，面对现实看看结果吧。美股今年美股稀里糊涂 继续吃着去年长持股的老本 上次访谈公布过美股持仓 平均2-5倍 最重大的决定是2月份大局清仓暴涨股，当时也要求我的客户清仓 一开始他们磨磨蹭蹭看到每天还有很多暴涨，我想尘归尘土归土后来他们会看清一些事。港股都说港股今年熊冠全球 但翻开账户还是比较欣慰浙江世宝 120%中手游 70%国美零售 140%中芯国际 120%国联证券 70%汇付天下 80%小米集团 60%<a target=\"_blank\" href=\"https://laohu8.com/S/01057\">$浙江世宝(01057)$</a>浮赢120%没听过对吧 没听过就对了 这就是我的风格 不需要管他是做什么的 干就行了。结构说行就行。目前仍然是接近年内高点 当然这不是我的最终目标 所以会继续持有其他中手游 成本2.6 第一目标70%做完T刚看了下可能又到加仓机会了 量化无敌国美零售 做完140%完整目标跑了中芯国际 也是一波大涨 在起爆前低位入场 完成120%目标就离场了框架：08年底部1港元第一目标19港元（2020年触及并回踩给出上车机会）则总目标37港元边边角角就不要了未来调整好还会继续入场量化在逃顶上作用还是相当大国联证券也是突破平台起爆前低位潜伏 做完70%目标走了目前是新的起点汇付天下现在居然退市了！可账上还有80%浮赢！小米集团唯一不是底部买的 主要是当时小米荣登全球出货量前三 知道的时候已经没有底部了打开框架马上知道底部第一轮周期目标24已经完成了 等回踩22的时候赶紧埋进去 因为结构告诉我主力一定要拉高出货 量划算一下目标大概35附近 赚了个60%","listText":"应虎妞要求 我也来蹭蹭热度 做个年终盘点 作为一个佛系的投资者，我不碰期权，只对正股那个三位数感兴趣，疯狂追求从头到尾的自豪感。数字游戏（指量化）从头玩到尾，被很多人质疑过，好奇过，学习过，是玄学还是科学，面对现实看看结果吧。美股今年美股稀里糊涂 继续吃着去年长持股的老本 上次访谈公布过美股持仓 平均2-5倍 最重大的决定是2月份大局清仓暴涨股，当时也要求我的客户清仓 一开始他们磨磨蹭蹭看到每天还有很多暴涨，我想尘归尘土归土后来他们会看清一些事。港股都说港股今年熊冠全球 但翻开账户还是比较欣慰浙江世宝 120%中手游 70%国美零售 140%中芯国际 120%国联证券 70%汇付天下 80%小米集团 60%<a target=\"_blank\" href=\"https://laohu8.com/S/01057\">$浙江世宝(01057)$</a>浮赢120%没听过对吧 没听过就对了 这就是我的风格 不需要管他是做什么的 干就行了。结构说行就行。目前仍然是接近年内高点 当然这不是我的最终目标 所以会继续持有其他中手游 成本2.6 第一目标70%做完T刚看了下可能又到加仓机会了 量化无敌国美零售 做完140%完整目标跑了中芯国际 也是一波大涨 在起爆前低位入场 完成120%目标就离场了框架：08年底部1港元第一目标19港元（2020年触及并回踩给出上车机会）则总目标37港元边边角角就不要了未来调整好还会继续入场量化在逃顶上作用还是相当大国联证券也是突破平台起爆前低位潜伏 做完70%目标走了目前是新的起点汇付天下现在居然退市了！可账上还有80%浮赢！小米集团唯一不是底部买的 主要是当时小米荣登全球出货量前三 知道的时候已经没有底部了打开框架马上知道底部第一轮周期目标24已经完成了 等回踩22的时候赶紧埋进去 因为结构告诉我主力一定要拉高出货 量划算一下目标大概35附近 赚了个60%","text":"应虎妞要求 我也来蹭蹭热度 做个年终盘点 作为一个佛系的投资者，我不碰期权，只对正股那个三位数感兴趣，疯狂追求从头到尾的自豪感。数字游戏（指量化）从头玩到尾，被很多人质疑过，好奇过，学习过，是玄学还是科学，面对现实看看结果吧。美股今年美股稀里糊涂 继续吃着去年长持股的老本 上次访谈公布过美股持仓 平均2-5倍 最重大的决定是2月份大局清仓暴涨股，当时也要求我的客户清仓 一开始他们磨磨蹭蹭看到每天还有很多暴涨，我想尘归尘土归土后来他们会看清一些事。港股都说港股今年熊冠全球 但翻开账户还是比较欣慰浙江世宝 120%中手游 70%国美零售 140%中芯国际 120%国联证券 70%汇付天下 80%小米集团 60%$浙江世宝(01057)$浮赢120%没听过对吧 没听过就对了 这就是我的风格 不需要管他是做什么的 干就行了。结构说行就行。目前仍然是接近年内高点 当然这不是我的最终目标 所以会继续持有其他中手游 成本2.6 第一目标70%做完T刚看了下可能又到加仓机会了 量化无敌国美零售 做完140%完整目标跑了中芯国际 也是一波大涨 在起爆前低位入场 完成120%目标就离场了框架：08年底部1港元第一目标19港元（2020年触及并回踩给出上车机会）则总目标37港元边边角角就不要了未来调整好还会继续入场量化在逃顶上作用还是相当大国联证券也是突破平台起爆前低位潜伏 做完70%目标走了目前是新的起点汇付天下现在居然退市了！可账上还有80%浮赢！小米集团唯一不是底部买的 主要是当时小米荣登全球出货量前三 知道的时候已经没有底部了打开框架马上知道底部第一轮周期目标24已经完成了 等回踩22的时候赶紧埋进去 因为结构告诉我主力一定要拉高出货 量划算一下目标大概35附近 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11:41","market":"us","language":"en","title":"Wells Fargo Reports Another Disappointing Quarter: Interest Income Flat As Average Loans Tumble<blockquote>富国银行报告又一个令人失望的季度：平均贷款下降，利息收入持平</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1137262141","media":"zerohedge","summary":"After the solid results from both JPM, Goldman, and BofA (which saw strong equity trading offset by ","content":"<p>After the solid results from both JPM, Goldman, and BofA (which saw strong equity trading offset by a slump in FICC) we got the now traditional disappointment from Wells Fargo which reported Q2 earnings that were mixed at best.</p><p><blockquote>在摩根大通、高盛和美国银行取得稳健业绩（强劲的股票交易被FICC的暴跌所抵消）之后，我们对富国银行感到传统的失望，该银行报告的第二季度收益充其量也是好坏参半。</blockquote></p><p> While the bank reported Q2 total revenue of $20.270BN, up 11%, and beating estimates of $17.75BN, with EPS of $1.38 also stronger than the 0.98 expected (a number which included a $147M Gain on Sale of Student Loans, and a $79M Write-Down of Related Goodwill),&nbsp; the reality is that the same issues that have plagued Wells for years remained front and center, including slugging loan growth and depressed net interest income. And while CEO Charlie Scharf said that \"Wells Fargo benefited from the continued economic recovery, strong markets that helped drive gains in our affiliated venture capital businesses, and our progress on improving efficiency\" he cautioned again that \"<b>the headwinds of low interest rates and tepid loan demand remained.”</b></p><p><blockquote>尽管该银行报告第二季度总收入为202.7亿美元，增长11%，超出预期177.5亿美元，每股收益为1.38美元，也强于预期的0.98（这一数字包括出售学生贷款带来的1.47亿美元收益，以及7900万美元的相关商誉减记），但现实情况是，多年来困扰威尔斯的同样问题仍然是首要问题，包括贷款增长放缓和净利息收入下降。尽管首席执行官查理·沙夫表示“富国银行受益于持续的经济复苏、帮助推动我们附属风险投资业务增长的强劲市场以及我们在提高效率方面取得的进展”，但他再次警告说，“<b>低利率和不温不火的贷款需求的阻力依然存在。”</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/43e8458e4d8e98b8d9fdbaad26e8830b\" tg-width=\"1085\" tg-height=\"514\"></p><p><blockquote></blockquote></p><p> And, like all the other big money-center banks, a bit portion of the bottom line EPS print - and beat - came from reserve releases, $1.639 billion, or $0.30/share, to be precise.</p><p><blockquote>而且，像所有其他大型货币中心银行一样，每股收益底线的一部分来自准备金释放，准确地说是16.39亿美元，即每股0.30美元。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/50925646aa4cc77750cec18374234e76\" tg-width=\"956\" tg-height=\"543\"></p><p><blockquote></blockquote></p><p> Digging a bit below the surface reveals that once again not all was well with the bank missing across all key operating metrics:</p><p><blockquote>深入挖掘一下表面就会发现，该银行在所有关键运营指标上都存在缺失，情况再次并非一切顺利：</blockquote></p><p> <ul>  <li><b>Net Interest Income $8.80B, Est. $8.97B</b></li>  <li><b>2Q Net Interest Margin 2.02%, Est. 2.05%</b></li>  <li><b>Efficiency Ratio 66%, Est. 76.6%</b></li>  <li><b>Loans $854.75B, Est. $855.72B</b></li>  <li>Total Average Loans $854.7B</li>  <li>Recovery of Credit Losses $1.26B, Est. Recovery $545.4M</li>  <li>Wells Fargo Expect Charge-Offs Will Increase at Some Point</li>  <li>Wells Fargo Continues to See Strong Trends in All Businesses</li> </ul> To be sure, the top line improvement was a welcome change for a company whose revenue have stagnated for the better part of a year...</p><p><blockquote><ul><li><b>预计净利息收入$8.80 B。$8.97 B</b></li><li><b>预计第二季度净息差为2.02%。2.05%</b></li><li><b>预计效率为66%。76.6%</b></li><li><b>预计贷款$854.75 B。$855.72 B</b></li><li>平均贷款总额$854.7 B</li><li>预计信用损失恢复$1.26 B。恢复5.454亿美元</li><li>富国银行预计冲销将在某个时候增加</li><li>富国银行继续看到所有业务的强劲趋势</li></ul>可以肯定的是，对于一家收入在一年的大部分时间里都停滞不前的公司来说，营收的改善是一个可喜的变化……</blockquote></p><p> <img src=\"https://static.tigerbbs.com/94d49ac59dbde6f346e853ae32a3ca03\" tg-width=\"555\" tg-height=\"313\">... helping lift Net Income to pre-covid levels.</p><p><blockquote>...帮助将净利润提高到新冠疫情爆发前的水平。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/97094bfdcc5421c2c70ce7bf6b3f2413\" tg-width=\"586\" tg-height=\"317\">A quick note on taxes: readers may recall that last year the bank benefited form an artificially low 6.4% effective tax rate. Well, no more, and in Q2 it bounced back over 19%, with the bank saying that it “retroactively changed the accounting for certain tax-advantaged investments to better align the financial statement presentation of the economic impact of these investments with the related tax credits.”</p><p><blockquote>关于税收的快速说明：读者可能还记得，去年该银行受益于6.4%的人为低有效税率。好吧，没有了，第二季度反弹超过19%，该银行表示“追溯性地改变了某些税收优惠投资的会计处理，以更好地将这些投资的经济影响的财务报表列报与相关税收保持一致。”</blockquote></p><p> That means changing the bank’s accounting for low-income housing tax credit investments from one kind of accounting (“equity method”) to another (“the proportional amortization method.”). As Bloomberg notes, the bank also shifted the presentation of investment tax credits related to solar investments -- reclassifying investment tax credits (“from accrued expenses and other liabilities to a reduction of the carrying value of the investment balances.”). \"All that actually had an impact: Quarterly results for last year’s second and third quarters changed, because the new system “improved our efficiency ratio and generally increased our effective income tax rate from what was previously reported.\"</p><p><blockquote>这意味着将银行对低收入住房税收抵免投资的会计处理从一种会计（“权益法”）改为另一种会计（“比例摊销法”）。正如彭博社指出的那样，该银行还改变了与太阳能投资相关的投资税收抵免的列报方式——将投资税收抵免重新分类（“从应计费用和其他负债改为减少投资余额的账面价值”）。“所有这些实际上都产生了影响：去年第二和第三季度的季度业绩发生了变化，因为新系统“提高了我们的效率比率，并普遍提高了我们的有效所得税率。”</blockquote></p><p> Looking at the big picture, there were a number of asterisks here:</p><p><blockquote>从大局来看，这里有许多星号：</blockquote></p><p> First, both the top and bottom line included a<b>net gain from equity securities of $2.7 billion</b>, up from $533 million in 2Q20 and $392 million in 1Q21.</p><p><blockquote>首先，顶线和底线都包括一个<b>股本证券净收益27亿美元</b>，高于2020年第二季度的5.33亿美元和2021年第一季度的3.92亿美元。</blockquote></p><p> Second the bank's net income of $6 billion was boosted by a larger-than-expected release of loan-loss reserves. To wit, the bank noted that results included a $1.6 billion pre-tax reduction in the allowance for credit losses, and charge-offs continued to decline. Here, Scharff cautioned that even though he continues to see strong trends in all of our businesses,<b>he expects charge-offs to increase at some point.</b>Meanwhile, the bank's provision for credit losses decreased by $10.8 billion.</p><p><blockquote>其次，该银行60亿美元的净收入得益于高于预期的贷款损失准备金释放。也就是说，该银行指出，业绩包括信贷损失准备金税前减少16亿美元，并且冲销继续下降。在这里，沙夫警告说，尽管他继续看到我们所有业务的强劲趋势，<b>他预计冲销将在某个时候增加。</b>与此同时，该行的信贷损失拨备减少了108亿美元。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/f4b1beac2869b8a0a0d7d459bb7abe1d\" tg-width=\"1096\" tg-height=\"516\"></p><p><blockquote></blockquote></p><p> Things were especially ugly in<b>net interest income, which tumbled a whopping 11% to $8.8BN from $9.9BN</b>and flat sequentially. The bank blamed the fall on lower interest, lower loan balances due to weak demand and elevated prepayments. But it’s “stable” compared with last quarter, per the release. As a result, Net Interest Margin also slumped, dropping from 2.05% to 2.02%, missing expectations and another all time low.</p><p><blockquote>事情尤其丑陋<b>净利息收入从99亿美元大幅下降11%至88亿美元</b>并依次平坦。该银行将下降归咎于利息下降、需求疲软导致的贷款余额下降以及预付款增加。但根据新闻稿，与上季度相比“稳定”。受此影响，净息差也大幅下滑，从2.05%降至2.02%，低于预期，再创历史新低。</blockquote></p><p></p><p> <img src=\"https://static.tigerbbs.com/e1d6dd9adfa205bcd0e623a66f3c9ad7\" tg-width=\"568\" tg-height=\"368\">Commenting on this ongoing decline in Net Interest Income, the bank blamed it on lower rates<i><b>even though rates actually jumped substantially in Q2 both sequentially and Y/Y.</b></i></p><p><blockquote>在评论净利息收入持续下降时，该银行将其归咎于较低的利率<i><b>尽管第二季度的利率实际上环比和同比都大幅上升。</b></i></blockquote></p><p> <ul>  <li>Net interest income decreased $1.1&nbsp;billion, or 11%, YoY reflecting the impact of lower interest rates, lower loan balances due to soft demand and elevated prepayments, as well as higher mortgage-backed securities (MBS) premium amortization,<b>partially offset by a decline in long-term debt</b></li>  <li>Net interest income was stable compared with 1Q21 as favorable hedge ineffectiveness accounting results, higher Paycheck Protection Program (PPP) income, and one additional day in the quarter were offset by lower loan balances<b>and the impact of lower interest rates</b></li> </ul> Taking a deep dive into Wells Fargo’s consumer banking and lending, showed total revenue of $8.7 billion was up 14% year over year, and up just a tad from the first quarter. Consumer and small business banking’s $4.7 billion was up 40% year over year “driven by higher servicing income and higher mortgage origination and sales revenue,” but was also down 7% from last quarter.</p><p><blockquote><ul><li>净利息收入同比下降11亿美元，即11%，反映出利率下降、需求疲软和预付款增加导致贷款余额下降以及抵押贷款支持证券(MBS)溢价摊销增加的影响，<b>部分被长期债务的下降所抵消</b></li><li>与2021年第一季度相比，净利息收入稳定，因为有利的对冲无效会计结果、较高的薪资保护计划(PPP)收入以及本季度增加的一天被较低的贷款余额所抵消<b>以及较低利率的影响</b></li></ul>深入研究富国银行的消费者银行业务和贷款业务后发现，总收入为87亿美元，同比增长14%，仅比第一季度略有增长。“在服务收入增加以及抵押贷款发放和销售收入增加的推动下”，消费者和小企业银行业务的47亿美元同比增长40%，但也较上季度下降7%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/6f0efdc5053169240e4346034a788f83\" tg-width=\"1101\" tg-height=\"531\">Why? Wells explains “Lower retail held-for-sale originations and gain-on-sale margins were partially offset by higher income related to the re-securitization of loans purchased from mortgage-backed securities.”</p><p><blockquote>为什么？威尔斯解释说：“零售持有待售发放量和出售收益利润率的下降被与从抵押贷款支持证券购买的贷款再证券化相关的收入增加部分抵消。”</blockquote></p><p> Looking at the bank's bread and butter, Bloomberg notes that average loan balances of $331.9 billion were down from $353.1 billion last quarter (and $369.6 billion a year ago), while Wells Fargo’s $835.8 billion of average deposit balances were up from last quarter’s $789.4 billion $715.1 billion a year ago, all thanks to QE (more on this in a subsequent post).</p><p><blockquote>纵观该银行的生计，彭博社指出，平均贷款余额为3,319亿美元，低于上季度的3,531亿美元（去年同期为3,696亿美元），而富国银行的平均存款余额为8,358亿美元，高于上季度的7,894亿美元。一年前的7151亿美元，这一切都要归功于量化宽松（后续文章中会有更多介绍）。</blockquote></p><p> And this was the main reason for our downbeat take on Wells' results: the bank's average loans tumbled (again) in the second quarter as consumers and businesses, buoyed by pandemic stimulus programs, refrained from more borrowing. As shown below,<b>the average balance of the bank’s lending book dropped 12% to $854.7 billion.</b>The result mirrored a similar decline at Bank of America Corp., which said earlier that loans and leases in its consumer-banking unit also fell 12%.</p><p><blockquote>这是我们对富国银行业绩持悲观态度的主要原因：由于消费者和企业在大流行刺激计划的提振下避免了更多借贷，该银行的平均贷款在第二季度（再次）下降。如下图所示，<b>该银行贷款账簿平均余额下降12%，至8,547亿美元。</b>这一结果反映了美国银行(Bank of America Corp.)的类似下降，该银行早些时候表示，其消费银行部门的贷款和租赁也下降了12%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/301df1ead2de6fad97478bb19245e9d7\" tg-width=\"1086\" tg-height=\"561\"></p><p><blockquote></blockquote></p><p> Needless to say, you can't have a broad economic growth without loan growth.</p><p><blockquote>不用说，没有贷款增长就不可能有广泛的经济增长。</blockquote></p><p> This brings up the $64K question: with Investors and analysts asking where’s loan growth, Wells still can't answer, and it certainly wasn't to be found in the bank's commercial banking business: The firm saw middle-market banking revenue fall 9% year-over-year, with the decline driven by reduced client demand and line utilization.</p><p><blockquote>这就引出了一个价值6.4万美元的问题：投资者和分析师询问贷款增长在哪里，富国银行仍然无法回答，而且在该银行的商业银行业务中肯定找不到这个问题：该公司的中间市场银行收入下降了9%同比下降，下降的原因是客户需求和线路利用率下降。</blockquote></p><p> On credit performance, net charge-offs (as a percentage of average loans) hit 0.43%, up a tiny bit from last quarter’s 0.42% -- but down from last year’s 0.6%.</p><p><blockquote>在信贷表现方面，净冲销（占平均贷款的百分比）达到0.43%，比上季度的0.42%略有上升，但低于去年的0.6%。</blockquote></p><p> While interest income missed expectations, expenses also declined, and were down $1.2 billion Y/Y to $13.3 billion, thanks to a 1% drop in personnel expense, while non-personnel expenses were down $1.1 billion, or 20%, \"due to lower operating losses, as well as lower professional and outside services expense reflecting efficiency initiatives to reduce our spend on consultants and contractors.\"</p><p><blockquote>虽然利息收入未达预期，但费用也有所下降，由于人员费用下降1%，同比下降12亿美元至133亿美元，而非人员费用下降11亿美元，即20%，“由于运营损失减少，以及专业和外部服务费用的降低，反映了我们减少顾问和承包商支出的效率举措。”</blockquote></p><p> <img src=\"https://static.tigerbbs.com/d00bbab6b1cd81dc9dddcbf3cdfd39f7\" tg-width=\"609\" tg-height=\"440\">It looks like Wells Fargo’s dealmakers weren’t as prosperous as the investment bankers over at JPMorgan and Goldman Sachs who stole the show yesterday with a flurry of deals driving the firms’ results. Wells Fargo saw investment banking revenue weaken by $37 million from the same time last year. It’s interesting because Scharf has taken steps to strengthen that division, even as he’s gone about pruning businesses deemed inefficient. Out of the six largest U.S. banks, Wells Fargo’s investment banking division is the smallest in terms of market share.</p><p><blockquote>看起来富国银行的交易撮合者并不像摩根大通和高盛的投资银行家那么繁荣，他们昨天通过一系列交易推动了两家公司的业绩，抢尽了风头。富国银行的投资银行业务收入较去年同期减少了3700万美元。这很有趣，因为沙夫已经采取措施加强该部门，尽管他一直在削减被认为效率低下的业务。在美国六大银行中，富国银行的投资银行部门的市场份额是最小的。</blockquote></p><p> Taking a quick look at the bank's modest corporate and investment banking division, which is far less material than its peers, we find that Wells bankers were not nearly as prosperous as the investment bankers over at JPMorgan and Goldman Sachs who stole the show yesterday with a flurry of deals driving the firms’ results. Wells Fargo saw investment banking revenue weaken by $37 million from the same time last year, even though Scharf has allegedly taken steps to strengthen that division, even as he’s gone about pruning businesses deemed inefficient. Out of the six largest U.S. banks, Wells Fargo’s investment banking division is the smallest in terms of market share.</p><p><blockquote>快速浏览一下该银行规模不大的企业和投资银行部门（其重要性远不如同行），我们发现富国银行的银行家远不如摩根大通和高盛的投资银行家那么繁荣，他们昨天凭借一系列交易抢尽了风头。推动公司业绩的交易。富国银行的投资银行业务收入较去年同期下降了3700万美元，尽管据称沙夫已采取措施加强该部门，尽管他一直在削减被认为效率低下的业务。在美国六大银行中，富国银行的投资银行部门的市场份额是最小的。</blockquote></p><p></p><p> <img src=\"https://static.tigerbbs.com/81990d180e134d0e7530c36ed8a22424\" tg-width=\"563\" tg-height=\"513\">Finally, in a testament to how the bank sees its own futures, headcount fell to 259,000 from 276,000 a year ago. That reduction helped to drive noninterest expenses at the bank down 8% from the same time last year. This was perhaps to be expected: Scharf has made trimming costs a priority, and the bank broke with competitors by resuming job cuts in August.</p><p><blockquote>最后，员工人数从一年前的276,000人降至259,000人，这证明了该银行对自身未来的看法。这一减少帮助该银行的非利息支出较去年同期下降了8%。这也许是意料之中的：沙夫已将削减成本作为首要任务，该银行于8月份恢复裁员，与竞争对手决裂。</blockquote></p><p> The bottom line: as Bloomberg summarizes, consumers are still keeping up with their bills and employment has been improving, allowing banks to once again release billions in reserves they’d set aside during the worst of the pandemic. That’s bolstered profits. Still, the massive stimulus the U.S. government has pumped into the economy means there’s little demand for loans, hindering revenue especially at loan-intensive banks such as Wells.</p><p><blockquote>底线：正如彭博总结的那样，消费者仍在支付账单，就业也在改善，这使得银行能够再次释放他们在疫情最严重时期留出的数十亿美元准备金。这增加了利润。尽管如此，美国政府向经济注入的大规模刺激措施意味着贷款需求很少，这阻碍了收入，尤其是富国银行等贷款密集型银行的收入。</blockquote></p><p> In immediate response, the market pushed WFC stock higher, but having time to digest the results, the stock is now again drifting lower.</p><p><blockquote>市场立即做出反应，推高WFC股价，但由于有时间消化结果，该股现在再次走低。</blockquote></p><p></p>","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>Wells Fargo Reports Another Disappointing Quarter: Interest Income Flat As Average Loans Tumble<blockquote>富国银行报告又一个令人失望的季度：平均贷款下降，利息收入持平</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\">\nWells Fargo Reports Another Disappointing Quarter: Interest Income Flat As Average Loans Tumble<blockquote>富国银行报告又一个令人失望的季度：平均贷款下降，利息收入持平</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">zerohedge</strong><span class=\"h-time small\">2021-07-15 11:41</span>\n</p>\n</h4>\n</header>\n<article>\n<p>After the solid results from both JPM, Goldman, and BofA (which saw strong equity trading offset by a slump in FICC) we got the now traditional disappointment from Wells Fargo which reported Q2 earnings that were mixed at best.</p><p><blockquote>在摩根大通、高盛和美国银行取得稳健业绩（强劲的股票交易被FICC的暴跌所抵消）之后，我们对富国银行感到传统的失望，该银行报告的第二季度收益充其量也是好坏参半。</blockquote></p><p> While the bank reported Q2 total revenue of $20.270BN, up 11%, and beating estimates of $17.75BN, with EPS of $1.38 also stronger than the 0.98 expected (a number which included a $147M Gain on Sale of Student Loans, and a $79M Write-Down of Related Goodwill),&nbsp; the reality is that the same issues that have plagued Wells for years remained front and center, including slugging loan growth and depressed net interest income. And while CEO Charlie Scharf said that \"Wells Fargo benefited from the continued economic recovery, strong markets that helped drive gains in our affiliated venture capital businesses, and our progress on improving efficiency\" he cautioned again that \"<b>the headwinds of low interest rates and tepid loan demand remained.”</b></p><p><blockquote>尽管该银行报告第二季度总收入为202.7亿美元，增长11%，超出预期177.5亿美元，每股收益为1.38美元，也强于预期的0.98（这一数字包括出售学生贷款带来的1.47亿美元收益，以及7900万美元的相关商誉减记），但现实情况是，多年来困扰威尔斯的同样问题仍然是首要问题，包括贷款增长放缓和净利息收入下降。尽管首席执行官查理·沙夫表示“富国银行受益于持续的经济复苏、帮助推动我们附属风险投资业务增长的强劲市场以及我们在提高效率方面取得的进展”，但他再次警告说，“<b>低利率和不温不火的贷款需求的阻力依然存在。”</b></blockquote></p><p> <img src=\"https://static.tigerbbs.com/43e8458e4d8e98b8d9fdbaad26e8830b\" tg-width=\"1085\" tg-height=\"514\"></p><p><blockquote></blockquote></p><p> And, like all the other big money-center banks, a bit portion of the bottom line EPS print - and beat - came from reserve releases, $1.639 billion, or $0.30/share, to be precise.</p><p><blockquote>而且，像所有其他大型货币中心银行一样，每股收益底线的一部分来自准备金释放，准确地说是16.39亿美元，即每股0.30美元。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/50925646aa4cc77750cec18374234e76\" tg-width=\"956\" tg-height=\"543\"></p><p><blockquote></blockquote></p><p> Digging a bit below the surface reveals that once again not all was well with the bank missing across all key operating metrics:</p><p><blockquote>深入挖掘一下表面就会发现，该银行在所有关键运营指标上都存在缺失，情况再次并非一切顺利：</blockquote></p><p> <ul>  <li><b>Net Interest Income $8.80B, Est. $8.97B</b></li>  <li><b>2Q Net Interest Margin 2.02%, Est. 2.05%</b></li>  <li><b>Efficiency Ratio 66%, Est. 76.6%</b></li>  <li><b>Loans $854.75B, Est. $855.72B</b></li>  <li>Total Average Loans $854.7B</li>  <li>Recovery of Credit Losses $1.26B, Est. Recovery $545.4M</li>  <li>Wells Fargo Expect Charge-Offs Will Increase at Some Point</li>  <li>Wells Fargo Continues to See Strong Trends in All Businesses</li> </ul> To be sure, the top line improvement was a welcome change for a company whose revenue have stagnated for the better part of a year...</p><p><blockquote><ul><li><b>预计净利息收入$8.80 B。$8.97 B</b></li><li><b>预计第二季度净息差为2.02%。2.05%</b></li><li><b>预计效率为66%。76.6%</b></li><li><b>预计贷款$854.75 B。$855.72 B</b></li><li>平均贷款总额$854.7 B</li><li>预计信用损失恢复$1.26 B。恢复5.454亿美元</li><li>富国银行预计冲销将在某个时候增加</li><li>富国银行继续看到所有业务的强劲趋势</li></ul>可以肯定的是，对于一家收入在一年的大部分时间里都停滞不前的公司来说，营收的改善是一个可喜的变化……</blockquote></p><p> <img src=\"https://static.tigerbbs.com/94d49ac59dbde6f346e853ae32a3ca03\" tg-width=\"555\" tg-height=\"313\">... helping lift Net Income to pre-covid levels.</p><p><blockquote>...帮助将净利润提高到新冠疫情爆发前的水平。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/97094bfdcc5421c2c70ce7bf6b3f2413\" tg-width=\"586\" tg-height=\"317\">A quick note on taxes: readers may recall that last year the bank benefited form an artificially low 6.4% effective tax rate. Well, no more, and in Q2 it bounced back over 19%, with the bank saying that it “retroactively changed the accounting for certain tax-advantaged investments to better align the financial statement presentation of the economic impact of these investments with the related tax credits.”</p><p><blockquote>关于税收的快速说明：读者可能还记得，去年该银行受益于6.4%的人为低有效税率。好吧，没有了，第二季度反弹超过19%，该银行表示“追溯性地改变了某些税收优惠投资的会计处理，以更好地将这些投资的经济影响的财务报表列报与相关税收保持一致。”</blockquote></p><p> That means changing the bank’s accounting for low-income housing tax credit investments from one kind of accounting (“equity method”) to another (“the proportional amortization method.”). As Bloomberg notes, the bank also shifted the presentation of investment tax credits related to solar investments -- reclassifying investment tax credits (“from accrued expenses and other liabilities to a reduction of the carrying value of the investment balances.”). \"All that actually had an impact: Quarterly results for last year’s second and third quarters changed, because the new system “improved our efficiency ratio and generally increased our effective income tax rate from what was previously reported.\"</p><p><blockquote>这意味着将银行对低收入住房税收抵免投资的会计处理从一种会计（“权益法”）改为另一种会计（“比例摊销法”）。正如彭博社指出的那样，该银行还改变了与太阳能投资相关的投资税收抵免的列报方式——将投资税收抵免重新分类（“从应计费用和其他负债改为减少投资余额的账面价值”）。“所有这些实际上都产生了影响：去年第二和第三季度的季度业绩发生了变化，因为新系统“提高了我们的效率比率，并普遍提高了我们的有效所得税率。”</blockquote></p><p> Looking at the big picture, there were a number of asterisks here:</p><p><blockquote>从大局来看，这里有许多星号：</blockquote></p><p> First, both the top and bottom line included a<b>net gain from equity securities of $2.7 billion</b>, up from $533 million in 2Q20 and $392 million in 1Q21.</p><p><blockquote>首先，顶线和底线都包括一个<b>股本证券净收益27亿美元</b>，高于2020年第二季度的5.33亿美元和2021年第一季度的3.92亿美元。</blockquote></p><p> Second the bank's net income of $6 billion was boosted by a larger-than-expected release of loan-loss reserves. To wit, the bank noted that results included a $1.6 billion pre-tax reduction in the allowance for credit losses, and charge-offs continued to decline. Here, Scharff cautioned that even though he continues to see strong trends in all of our businesses,<b>he expects charge-offs to increase at some point.</b>Meanwhile, the bank's provision for credit losses decreased by $10.8 billion.</p><p><blockquote>其次，该银行60亿美元的净收入得益于高于预期的贷款损失准备金释放。也就是说，该银行指出，业绩包括信贷损失准备金税前减少16亿美元，并且冲销继续下降。在这里，沙夫警告说，尽管他继续看到我们所有业务的强劲趋势，<b>他预计冲销将在某个时候增加。</b>与此同时，该行的信贷损失拨备减少了108亿美元。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/f4b1beac2869b8a0a0d7d459bb7abe1d\" tg-width=\"1096\" tg-height=\"516\"></p><p><blockquote></blockquote></p><p> Things were especially ugly in<b>net interest income, which tumbled a whopping 11% to $8.8BN from $9.9BN</b>and flat sequentially. The bank blamed the fall on lower interest, lower loan balances due to weak demand and elevated prepayments. But it’s “stable” compared with last quarter, per the release. As a result, Net Interest Margin also slumped, dropping from 2.05% to 2.02%, missing expectations and another all time low.</p><p><blockquote>事情尤其丑陋<b>净利息收入从99亿美元大幅下降11%至88亿美元</b>并依次平坦。该银行将下降归咎于利息下降、需求疲软导致的贷款余额下降以及预付款增加。但根据新闻稿，与上季度相比“稳定”。受此影响，净息差也大幅下滑，从2.05%降至2.02%，低于预期，再创历史新低。</blockquote></p><p></p><p> <img src=\"https://static.tigerbbs.com/e1d6dd9adfa205bcd0e623a66f3c9ad7\" tg-width=\"568\" tg-height=\"368\">Commenting on this ongoing decline in Net Interest Income, the bank blamed it on lower rates<i><b>even though rates actually jumped substantially in Q2 both sequentially and Y/Y.</b></i></p><p><blockquote>在评论净利息收入持续下降时，该银行将其归咎于较低的利率<i><b>尽管第二季度的利率实际上环比和同比都大幅上升。</b></i></blockquote></p><p> <ul>  <li>Net interest income decreased $1.1&nbsp;billion, or 11%, YoY reflecting the impact of lower interest rates, lower loan balances due to soft demand and elevated prepayments, as well as higher mortgage-backed securities (MBS) premium amortization,<b>partially offset by a decline in long-term debt</b></li>  <li>Net interest income was stable compared with 1Q21 as favorable hedge ineffectiveness accounting results, higher Paycheck Protection Program (PPP) income, and one additional day in the quarter were offset by lower loan balances<b>and the impact of lower interest rates</b></li> </ul> Taking a deep dive into Wells Fargo’s consumer banking and lending, showed total revenue of $8.7 billion was up 14% year over year, and up just a tad from the first quarter. Consumer and small business banking’s $4.7 billion was up 40% year over year “driven by higher servicing income and higher mortgage origination and sales revenue,” but was also down 7% from last quarter.</p><p><blockquote><ul><li>净利息收入同比下降11亿美元，即11%，反映出利率下降、需求疲软和预付款增加导致贷款余额下降以及抵押贷款支持证券(MBS)溢价摊销增加的影响，<b>部分被长期债务的下降所抵消</b></li><li>与2021年第一季度相比，净利息收入稳定，因为有利的对冲无效会计结果、较高的薪资保护计划(PPP)收入以及本季度增加的一天被较低的贷款余额所抵消<b>以及较低利率的影响</b></li></ul>深入研究富国银行的消费者银行业务和贷款业务后发现，总收入为87亿美元，同比增长14%，仅比第一季度略有增长。“在服务收入增加以及抵押贷款发放和销售收入增加的推动下”，消费者和小企业银行业务的47亿美元同比增长40%，但也较上季度下降7%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/6f0efdc5053169240e4346034a788f83\" tg-width=\"1101\" tg-height=\"531\">Why? Wells explains “Lower retail held-for-sale originations and gain-on-sale margins were partially offset by higher income related to the re-securitization of loans purchased from mortgage-backed securities.”</p><p><blockquote>为什么？威尔斯解释说：“零售持有待售发放量和出售收益利润率的下降被与从抵押贷款支持证券购买的贷款再证券化相关的收入增加部分抵消。”</blockquote></p><p> Looking at the bank's bread and butter, Bloomberg notes that average loan balances of $331.9 billion were down from $353.1 billion last quarter (and $369.6 billion a year ago), while Wells Fargo’s $835.8 billion of average deposit balances were up from last quarter’s $789.4 billion $715.1 billion a year ago, all thanks to QE (more on this in a subsequent post).</p><p><blockquote>纵观该银行的生计，彭博社指出，平均贷款余额为3,319亿美元，低于上季度的3,531亿美元（去年同期为3,696亿美元），而富国银行的平均存款余额为8,358亿美元，高于上季度的7,894亿美元。一年前的7151亿美元，这一切都要归功于量化宽松（后续文章中会有更多介绍）。</blockquote></p><p> And this was the main reason for our downbeat take on Wells' results: the bank's average loans tumbled (again) in the second quarter as consumers and businesses, buoyed by pandemic stimulus programs, refrained from more borrowing. As shown below,<b>the average balance of the bank’s lending book dropped 12% to $854.7 billion.</b>The result mirrored a similar decline at Bank of America Corp., which said earlier that loans and leases in its consumer-banking unit also fell 12%.</p><p><blockquote>这是我们对富国银行业绩持悲观态度的主要原因：由于消费者和企业在大流行刺激计划的提振下避免了更多借贷，该银行的平均贷款在第二季度（再次）下降。如下图所示，<b>该银行贷款账簿平均余额下降12%，至8,547亿美元。</b>这一结果反映了美国银行(Bank of America Corp.)的类似下降，该银行早些时候表示，其消费银行部门的贷款和租赁也下降了12%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/301df1ead2de6fad97478bb19245e9d7\" tg-width=\"1086\" tg-height=\"561\"></p><p><blockquote></blockquote></p><p> Needless to say, you can't have a broad economic growth without loan growth.</p><p><blockquote>不用说，没有贷款增长就不可能有广泛的经济增长。</blockquote></p><p> This brings up the $64K question: with Investors and analysts asking where’s loan growth, Wells still can't answer, and it certainly wasn't to be found in the bank's commercial banking business: The firm saw middle-market banking revenue fall 9% year-over-year, with the decline driven by reduced client demand and line utilization.</p><p><blockquote>这就引出了一个价值6.4万美元的问题：投资者和分析师询问贷款增长在哪里，富国银行仍然无法回答，而且在该银行的商业银行业务中肯定找不到这个问题：该公司的中间市场银行收入下降了9%同比下降，下降的原因是客户需求和线路利用率下降。</blockquote></p><p> On credit performance, net charge-offs (as a percentage of average loans) hit 0.43%, up a tiny bit from last quarter’s 0.42% -- but down from last year’s 0.6%.</p><p><blockquote>在信贷表现方面，净冲销（占平均贷款的百分比）达到0.43%，比上季度的0.42%略有上升，但低于去年的0.6%。</blockquote></p><p> While interest income missed expectations, expenses also declined, and were down $1.2 billion Y/Y to $13.3 billion, thanks to a 1% drop in personnel expense, while non-personnel expenses were down $1.1 billion, or 20%, \"due to lower operating losses, as well as lower professional and outside services expense reflecting efficiency initiatives to reduce our spend on consultants and contractors.\"</p><p><blockquote>虽然利息收入未达预期，但费用也有所下降，由于人员费用下降1%，同比下降12亿美元至133亿美元，而非人员费用下降11亿美元，即20%，“由于运营损失减少，以及专业和外部服务费用的降低，反映了我们减少顾问和承包商支出的效率举措。”</blockquote></p><p> <img src=\"https://static.tigerbbs.com/d00bbab6b1cd81dc9dddcbf3cdfd39f7\" tg-width=\"609\" tg-height=\"440\">It looks like Wells Fargo’s dealmakers weren’t as prosperous as the investment bankers over at JPMorgan and Goldman Sachs who stole the show yesterday with a flurry of deals driving the firms’ results. Wells Fargo saw investment banking revenue weaken by $37 million from the same time last year. It’s interesting because Scharf has taken steps to strengthen that division, even as he’s gone about pruning businesses deemed inefficient. Out of the six largest U.S. banks, Wells Fargo’s investment banking division is the smallest in terms of market share.</p><p><blockquote>看起来富国银行的交易撮合者并不像摩根大通和高盛的投资银行家那么繁荣，他们昨天通过一系列交易推动了两家公司的业绩，抢尽了风头。富国银行的投资银行业务收入较去年同期减少了3700万美元。这很有趣，因为沙夫已经采取措施加强该部门，尽管他一直在削减被认为效率低下的业务。在美国六大银行中，富国银行的投资银行部门的市场份额是最小的。</blockquote></p><p> Taking a quick look at the bank's modest corporate and investment banking division, which is far less material than its peers, we find that Wells bankers were not nearly as prosperous as the investment bankers over at JPMorgan and Goldman Sachs who stole the show yesterday with a flurry of deals driving the firms’ results. Wells Fargo saw investment banking revenue weaken by $37 million from the same time last year, even though Scharf has allegedly taken steps to strengthen that division, even as he’s gone about pruning businesses deemed inefficient. Out of the six largest U.S. banks, Wells Fargo’s investment banking division is the smallest in terms of market share.</p><p><blockquote>快速浏览一下该银行规模不大的企业和投资银行部门（其重要性远不如同行），我们发现富国银行的银行家远不如摩根大通和高盛的投资银行家那么繁荣，他们昨天凭借一系列交易抢尽了风头。推动公司业绩的交易。富国银行的投资银行业务收入较去年同期下降了3700万美元，尽管据称沙夫已采取措施加强该部门，尽管他一直在削减被认为效率低下的业务。在美国六大银行中，富国银行的投资银行部门的市场份额是最小的。</blockquote></p><p></p><p> <img src=\"https://static.tigerbbs.com/81990d180e134d0e7530c36ed8a22424\" tg-width=\"563\" tg-height=\"513\">Finally, in a testament to how the bank sees its own futures, headcount fell to 259,000 from 276,000 a year ago. That reduction helped to drive noninterest expenses at the bank down 8% from the same time last year. This was perhaps to be expected: Scharf has made trimming costs a priority, and the bank broke with competitors by resuming job cuts in August.</p><p><blockquote>最后，员工人数从一年前的276,000人降至259,000人，这证明了该银行对自身未来的看法。这一减少帮助该银行的非利息支出较去年同期下降了8%。这也许是意料之中的：沙夫已将削减成本作为首要任务，该银行于8月份恢复裁员，与竞争对手决裂。</blockquote></p><p> The bottom line: as Bloomberg summarizes, consumers are still keeping up with their bills and employment has been improving, allowing banks to once again release billions in reserves they’d set aside during the worst of the pandemic. That’s bolstered profits. Still, the massive stimulus the U.S. government has pumped into the economy means there’s little demand for loans, hindering revenue especially at loan-intensive banks such as Wells.</p><p><blockquote>底线：正如彭博总结的那样，消费者仍在支付账单，就业也在改善，这使得银行能够再次释放他们在疫情最严重时期留出的数十亿美元准备金。这增加了利润。尽管如此，美国政府向经济注入的大规模刺激措施意味着贷款需求很少，这阻碍了收入，尤其是富国银行等贷款密集型银行的收入。</blockquote></p><p> In immediate response, the market pushed WFC stock higher, but having time to digest the results, the stock is now again drifting lower.</p><p><blockquote>市场立即做出反应，推高WFC股价，但由于有时间消化结果，该股现在再次走低。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.zerohedge.com/markets/wells-fargo-reports-another-disappointing-quarter-interest-income-flat-average-loans-tumble\">zerohedge</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":{"WFC":"富国银行"},"source_url":"https://www.zerohedge.com/markets/wells-fargo-reports-another-disappointing-quarter-interest-income-flat-average-loans-tumble","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1137262141","content_text":"After the solid results from both JPM, Goldman, and BofA (which saw strong equity trading offset by a slump in FICC) we got the now traditional disappointment from Wells Fargo which reported Q2 earnings that were mixed at best.\nWhile the bank reported Q2 total revenue of $20.270BN, up 11%, and beating estimates of $17.75BN, with EPS of $1.38 also stronger than the 0.98 expected (a number which included a $147M Gain on Sale of Student Loans, and a $79M Write-Down of Related Goodwill),  the reality is that the same issues that have plagued Wells for years remained front and center, including slugging loan growth and depressed net interest income. And while CEO Charlie Scharf said that \"Wells Fargo benefited from the continued economic recovery, strong markets that helped drive gains in our affiliated venture capital businesses, and our progress on improving efficiency\" he cautioned again that \"the headwinds of low interest rates and tepid loan demand remained.”\n\nAnd, like all the other big money-center banks, a bit portion of the bottom line EPS print - and beat - came from reserve releases, $1.639 billion, or $0.30/share, to be precise.\n\nDigging a bit below the surface reveals that once again not all was well with the bank missing across all key operating metrics:\n\nNet Interest Income $8.80B, Est. $8.97B\n2Q Net Interest Margin 2.02%, Est. 2.05%\nEfficiency Ratio 66%, Est. 76.6%\nLoans $854.75B, Est. $855.72B\nTotal Average Loans $854.7B\nRecovery of Credit Losses $1.26B, Est. Recovery $545.4M\nWells Fargo Expect Charge-Offs Will Increase at Some Point\nWells Fargo Continues to See Strong Trends in All Businesses\n\nTo be sure, the top line improvement was a welcome change for a company whose revenue have stagnated for the better part of a year...\n... helping lift Net Income to pre-covid levels.\nA quick note on taxes: readers may recall that last year the bank benefited form an artificially low 6.4% effective tax rate. Well, no more, and in Q2 it bounced back over 19%, with the bank saying that it “retroactively changed the accounting for certain tax-advantaged investments to better align the financial statement presentation of the economic impact of these investments with the related tax credits.”\nThat means changing the bank’s accounting for low-income housing tax credit investments from one kind of accounting (“equity method”) to another (“the proportional amortization method.”). As Bloomberg notes, the bank also shifted the presentation of investment tax credits related to solar investments -- reclassifying investment tax credits (“from accrued expenses and other liabilities to a reduction of the carrying value of the investment balances.”). \"All that actually had an impact: Quarterly results for last year’s second and third quarters changed, because the new system “improved our efficiency ratio and generally increased our effective income tax rate from what was previously reported.\"\nLooking at the big picture, there were a number of asterisks here:\nFirst, both the top and bottom line included anet gain from equity securities of $2.7 billion, up from $533 million in 2Q20 and $392 million in 1Q21.\nSecond the bank's net income of $6 billion was boosted by a larger-than-expected release of loan-loss reserves. To wit, the bank noted that results included a $1.6 billion pre-tax reduction in the allowance for credit losses, and charge-offs continued to decline. Here, Scharff cautioned that even though he continues to see strong trends in all of our businesses,he expects charge-offs to increase at some point.Meanwhile, the bank's provision for credit losses decreased by $10.8 billion.\n\nThings were especially ugly innet interest income, which tumbled a whopping 11% to $8.8BN from $9.9BNand flat sequentially. The bank blamed the fall on lower interest, lower loan balances due to weak demand and elevated prepayments. But it’s “stable” compared with last quarter, per the release. As a result, Net Interest Margin also slumped, dropping from 2.05% to 2.02%, missing expectations and another all time low.\nCommenting on this ongoing decline in Net Interest Income, the bank blamed it on lower rateseven though rates actually jumped substantially in Q2 both sequentially and Y/Y.\n\nNet interest income decreased $1.1 billion, or 11%, YoY reflecting the impact of lower interest rates, lower loan balances due to soft demand and elevated prepayments, as well as higher mortgage-backed securities (MBS) premium amortization,partially offset by a decline in long-term debt\nNet interest income was stable compared with 1Q21 as favorable hedge ineffectiveness accounting results, higher Paycheck Protection Program (PPP) income, and one additional day in the quarter were offset by lower loan balancesand the impact of lower interest rates\n\nTaking a deep dive into Wells Fargo’s consumer banking and lending, showed total revenue of $8.7 billion was up 14% year over year, and up just a tad from the first quarter. Consumer and small business banking’s $4.7 billion was up 40% year over year “driven by higher servicing income and higher mortgage origination and sales revenue,” but was also down 7% from last quarter.\nWhy? Wells explains “Lower retail held-for-sale originations and gain-on-sale margins were partially offset by higher income related to the re-securitization of loans purchased from mortgage-backed securities.”\nLooking at the bank's bread and butter, Bloomberg notes that average loan balances of $331.9 billion were down from $353.1 billion last quarter (and $369.6 billion a year ago), while Wells Fargo’s $835.8 billion of average deposit balances were up from last quarter’s $789.4 billion $715.1 billion a year ago, all thanks to QE (more on this in a subsequent post).\nAnd this was the main reason for our downbeat take on Wells' results: the bank's average loans tumbled (again) in the second quarter as consumers and businesses, buoyed by pandemic stimulus programs, refrained from more borrowing. As shown below,the average balance of the bank’s lending book dropped 12% to $854.7 billion.The result mirrored a similar decline at Bank of America Corp., which said earlier that loans and leases in its consumer-banking unit also fell 12%.\n\nNeedless to say, you can't have a broad economic growth without loan growth.\nThis brings up the $64K question: with Investors and analysts asking where’s loan growth, Wells still can't answer, and it certainly wasn't to be found in the bank's commercial banking business: The firm saw middle-market banking revenue fall 9% year-over-year, with the decline driven by reduced client demand and line utilization.\nOn credit performance, net charge-offs (as a percentage of average loans) hit 0.43%, up a tiny bit from last quarter’s 0.42% -- but down from last year’s 0.6%.\nWhile interest income missed expectations, expenses also declined, and were down $1.2 billion Y/Y to $13.3 billion, thanks to a 1% drop in personnel expense, while non-personnel expenses were down $1.1 billion, or 20%, \"due to lower operating losses, as well as lower professional and outside services expense reflecting efficiency initiatives to reduce our spend on consultants and contractors.\"\nIt looks like Wells Fargo’s dealmakers weren’t as prosperous as the investment bankers over at JPMorgan and Goldman Sachs who stole the show yesterday with a flurry of deals driving the firms’ results. Wells Fargo saw investment banking revenue weaken by $37 million from the same time last year. It’s interesting because Scharf has taken steps to strengthen that division, even as he’s gone about pruning businesses deemed inefficient. Out of the six largest U.S. banks, Wells Fargo’s investment banking division is the smallest in terms of market share.\nTaking a quick look at the bank's modest corporate and investment banking division, which is far less material than its peers, we find that Wells bankers were not nearly as prosperous as the investment bankers over at JPMorgan and Goldman Sachs who stole the show yesterday with a flurry of deals driving the firms’ results. Wells Fargo saw investment banking revenue weaken by $37 million from the same time last year, even though Scharf has allegedly taken steps to strengthen that division, even as he’s gone about pruning businesses deemed inefficient. Out of the six largest U.S. banks, Wells Fargo’s investment banking division is the smallest in terms of market share.\nFinally, in a testament to how the bank sees its own futures, headcount fell to 259,000 from 276,000 a year ago. That reduction helped to drive noninterest expenses at the bank down 8% from the same time last year. This was perhaps to be expected: Scharf has made trimming costs a priority, and the bank broke with competitors by resuming job cuts in August.\nThe bottom line: as Bloomberg summarizes, consumers are still keeping up with their bills and employment has been improving, allowing banks to once again release billions in reserves they’d set aside during the worst of the pandemic. That’s bolstered profits. Still, the massive stimulus the U.S. government has pumped into the economy means there’s little demand for loans, hindering revenue especially at loan-intensive banks such as Wells.\nIn immediate response, the market pushed WFC stock higher, but having time to digest the results, the stock is now again drifting lower.","news_type":1,"symbols_score_info":{"WFC":0.9}},"isVote":1,"tweetType":1,"viewCount":175,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":177580789,"gmtCreate":1627252086741,"gmtModify":1633766978959,"author":{"id":"3585388049997493","authorId":"3585388049997493","name":"StellaHJY","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3585388049997493","authorIdStr":"3585388049997493"},"themes":[],"htmlText":"Yes good yes good","listText":"Yes good yes good","text":"Yes good yes 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stock market headlines, business news, financials and earnings ","home_visible":1,"media_name":"Tiger Newspress","id":"1079075236","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1623760680,"share":"https://www.laohu8.com/m/news/1127660571?lang=zh_CN&edition=full","pubTime":"2021-06-15 20:38","market":"us","language":"en","title":"Toplines Before US Market Open on Tuesday<blockquote>周二美国市场开盘前的营收</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=1127660571","media":"Tiger Newspress","summary":"Stock futures edge up ahead of retail sales data.\nS&P 500 index is headed toward its 30th record clo","content":"<p><ul>  <li>Stock futures edge up ahead of retail sales data.</li>  <li>S&amp;P 500 index is headed toward its 30th record close of the year, bolstered by gains in tech stocks.</li>  <li><b>Increase in in PPI over past 12 months rises to 6.6% from 6.2%.</b></li>  <li><b>U.S. retail sales minus gas and autos fall 0.8% in May.</b></li>  <li><b>U.S. retail sales minus gas and autos fall 0.8% in May.</b></li> </ul> (June 15)&nbsp;<b>Producer prices climb 6.6% in May on annual basis, largest 12-month increase on record.</b>&nbsp;Producer prices rose at their fastest annual clip in nearly 11 years in May as inflation continued to build in the U.S. economy, the Labor Department reported Tuesday.</p><p><blockquote><ul><li>股票期货在零售销售数据公布前小幅上涨。</li><li>在科技股上涨的推动下，标普500指数即将创下今年第30个收盘纪录。</li><li><b>过去12个月PPI涨幅从6.2%升至6.6%。</b></li><li><b>美国5月份扣除汽油和汽车的零售额下降0.8%。</b></li><li><b>美国5月份扣除汽油和汽车的零售额下降0.8%。</b></li></ul>（6月15日）<b>5月份生产者价格按年率计算上涨6.6%，为有记录以来的12个月最大涨幅。</b>美国劳工部周二报告称，随着美国经济通胀持续加剧，5月份生产者价格涨幅创近11年来最快。</blockquote></p><p> On a monthly basis, the producer price index for final demand rose 0.8%, ahead of the Dow Jones estimate of 0.6%.</p><p><blockquote>按月计算，最终需求生产者价格指数上涨0.8%，高于道琼斯预期的0.6%。</blockquote></p><p> <b>Stock&nbsp;Market</b></p><p><blockquote><b>股票市场</b></blockquote></p><p> U.S. stock futures edged higher Tuesday ahead of fresh data that will indicate how much Americans spent in stores, at restaurants and online last month.</p><p><blockquote>美国股指期货周二小幅走高，新数据将显示美国人上个月在商店、餐馆和网上的支出。</blockquote></p><p> Futures tied to the S&amp;P 500 ticked up 0.1%, indicating that the broad benchmark index is on track to notch its thirtieth record close of the year. Nasdaq-100 futures gained 0.2%, pointing togains in technology stocksafter the opening bell.</p><p><blockquote>与标普500相关的期货上涨0.1%，表明该广泛的基准指数有望创下今年第三十个收盘纪录。纳斯达克100指数期货上涨0.2%，表明开盘后科技股上涨。</blockquote></p><p> At 8:38&nbsp;a.m. ET, Dow e-minis were up 18 points, or 0.05%, S&amp;P 500 e-minis were up 5.5 points, or 0.13%, and Nasdaq 100 e-minis were up 24.75 points, or 0.18%.</p><p><blockquote>上午8点38分。ET，道指e-minis上涨18点，涨幅0.05%，标普500 e-minis上涨5.5点，涨幅0.13%，纳斯达克100 e-minis上涨24.75点，涨幅0.18%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/86af5e5e5e4faf68b304fa020ca3a033\" tg-width=\"1242\" tg-height=\"487\"></p><p><blockquote></blockquote></p><p> Investors expect that stocks will climb through the rest of the year due to easy monetary policies. Many people are also betting thathigher inflation, due to the easing of economic restrictions and supply-chain bottlenecks, will be temporary. Signs that inflation will be elevated for a prolonged period or that theFederal Reserve may retrace its supportcould shake that confidence, money managers said.</p><p><blockquote>投资者预计，由于宽松的货币政策，股市将在今年剩余时间内攀升。许多人还押注，由于经济限制和供应链瓶颈的缓解，通胀上升将是暂时的。基金经理表示，通胀将长期上升或美联储可能收回支持的迹象可能会动摇这种信心。</blockquote></p><p> <b>Stocks making the biggest moves in the premarket: Vroom, Ping Identity, Sage Therapeutics &amp; more</b></p><p><blockquote><b>盘前涨幅最大的股票：Vroom、Ping Identity、Sage Therapeutics等</b></blockquote></p><p> <b>1)&nbsp;Vroom(VRM)</b> – Vroom intends to offer $500 million in convertible senior notes due in 2026. The used-vehicle e-commerce platform provider plans to use the proceeds for a variety of corporate purposes as well as investing in or acquiring new technologies. Its shares slid 6.1% in premarket trading.</p><p><blockquote><b>1）轰鸣（VRM）</b>-Vroom打算发行2026年到期的5亿美元可转换优先票据。这家二手车电子商务平台提供商计划将所得款项用于各种企业用途以及投资或收购新技术。其股价在盘前交易中下跌6.1%。</blockquote></p><p> <b>2)&nbsp;Ping Identity(PING) </b>– Ping Identity announced a 6 million share common stock offering, in a sale of shares held by investment funds affiliated with Vista Equity Partners. The identity management solutions company will not receive any proceeds from the offering. The stock tumbled 4.2% in premarket action.</p><p><blockquote><b>2）PING身份（PING）</b>-Ping Identity宣布发行600万股普通股，出售Vista Equity Partners附属投资基金持有的股份。身份管理解决方案公司不会从此次发行中获得任何收益。该股在盘前下跌4.2%。</blockquote></p><p> <b>3)&nbsp;Sage Therapeutics(SAGE)</b> – The drugmaker’s shares tanked 17.5% in premarket trading following the release of study results for Sage’s experimental depression drug. The treatment resulted in a statistically significant improvement in symptoms, although it could take up to six weeks to be effective and treatment may be required for months.</p><p><blockquote><b>3）Sage Therapeutics（SAGE）</b>-在Sage实验性抑郁症药物的研究结果发布后，该制药商的股价在盘前交易中下跌17.5%。该治疗导致症状的统计学显著改善，尽管可能需要长达六周才能有效，并且可能需要数月的治疗。</blockquote></p><p> <b>4)&nbsp;Boeing(BA) </b>– The U.S. and European Union announced aresolution of the long-standing disputeover aircraft subsidies involving Boeing and European rival Airbus. The deal suspends World Trade Organization-authorized tariffs for five years, and U.S. Trade Representative Katherine Tai said it could serve as a model for resolving future disputes.</p><p><blockquote><b>4）波音（BA）</b>-美国和欧盟宣布解决涉及波音公司和欧洲竞争对手空中客车公司的长期飞机补贴争端。该协议将世界贸易组织授权的关税暂停五年，美国贸易代表凯瑟琳·戴表示，该协议可以作为解决未来争端的典范。</blockquote></p><p> <b>5)&nbsp;Exxon Mobil(XOM) </b>– Bank of America reiterated a “buy” rating on the energy giant’s stock, predicting that Exxon Mobil would hike its dividend before the end of the year following cost-cutting measures and a rebound in oil prices.</p><p><blockquote><b>5)埃克森美孚(XOM)</b>——美国银行重申了对这家能源巨头股票的“买入”评级，预计在成本削减措施和油价反弹后，埃克森美孚将在年底前提高股息。</blockquote></p><p> <b>6)&nbsp;Spirit Airlines(SAVE)</b> – Spirit Airlines said in a Securities and Exchange Commission filing that leisure demand has continued to improve throughout the second quarter, and that it has seen operating yields strengthen as well. Citi upgraded the stock to “buy” from “neutral” following that update, and shares rallied 2.6% in the premarket.</p><p><blockquote><b>6)精神航空(SAVE)</b>-精神航空在向美国证券交易委员会提交的文件中表示，整个第二季度休闲需求持续改善，营业收益率也有所增强。更新后，花旗将该股评级从“中性”上调至“买入”，股价在盘前上涨2.6%。</blockquote></p><p> <b>7)&nbsp;Fastenal(FAST)</b> – The maker of industrial and construction supplies was downgraded to “underweight” from “equal-weight” at Morgan Stanley, which notes a lull in customer acquisition as well as a stock that is already near an all-time high. The stock slid 2.2% in the premarket.</p><p><blockquote><b>7）Fastenal（快速）</b>-摩根士丹利将这家工业和建筑用品制造商的评级从“同等权重”下调至“跑输大盘”，摩根士丹利指出，客户获取量出现平静，而且该股已接近历史高点。该股盘前下跌2.2%。</blockquote></p><p> <b>8)&nbsp;AstraZeneca(AZN) </b>– AstraZeneca said an experimental monoclonal antibody treatment did not meet its main goal of preventing Covid-19 in patients who had been exposed to the virus. The company also said, however, that its Covid-19 vaccine is 92% effective against the so-called “Delta” variant of the virus.</p><p><blockquote><b>8）阿斯利康（AZN）</b>-阿斯利康表示，一种实验性单克隆抗体治疗方法没有达到其在接触过该病毒的患者中预防Covid-19的主要目标。然而，该公司还表示，其Covid-19疫苗对所谓的“Delta”病毒变种的有效率为92%。</blockquote></p><p> <b>9)&nbsp;Cracker Barrel(CBRL)</b> – Cracker Barrel announced a $275 million private offering of convertible senior notes due in 2026. The restaurant chain will use the proceeds to pay debt and for general corporate purposes.</p><p><blockquote><b>9）裂解桶（CBRL）</b>-Cracker Barrel宣布私募2.75亿美元2026年到期的可转换优先票据。该连锁餐厅将利用所得款项偿还债务和用于一般公司用途。</blockquote></p><p></p><p> <b>10)&nbsp;Novavax(NVAX)</b> – Novavax announced positive results from its first study of its Covid-19 vaccine and a flu vaccine administered simultaneously. The study suggested that simultaneous vaccination may be a viable strategy.</p><p><blockquote><b>10)诺瓦瓦克斯(NVAX)</b>-Novavax宣布其Covid-19疫苗和流感疫苗同时接种的首次研究取得积极结果。该研究表明，同时接种疫苗可能是一种可行的策略。</blockquote></p><p> <b>11)&nbsp;Intuit(INTU)</b> – The financial software company revealed in an SEC filing that its QuickBooks online service saw new customer acquisition grow by more than 25% year-over-year for the nine months ended April 30. Intuit shares had hit an all-time high in Monday’s trading.</p><p><blockquote><b>11）Intuit（INTU）</b>–这家金融软件公司在向SEC提交的文件中透露，截至4月30日的九个月内，其QuickBooks online服务的新客户获取量同比增长超过25%。Intuit股价在周一的交易中创下历史新高。</blockquote></p><p> <b>12)&nbsp;Vimeo(VMEO)</b> – Vimeo reported that total revenue in May rose 42% from a year ago, with the video services company also seeing average revenue per user up 18%.</p><p><blockquote><b>12)Vimeo(VMEO)</b>-Vimeo报告称，5月份总收入同比增长42%，这家视频服务公司的每用户平均收入也增长了18%。</blockquote></p><p></p>","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>Toplines Before US Market Open on Tuesday<blockquote>周二美国市场开盘前的营收</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; 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}\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\">\nToplines Before US Market Open on Tuesday<blockquote>周二美国市场开盘前的营收</blockquote>\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1079075236\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Tiger Newspress </p>\n<p class=\"h-time smaller\">2021-06-15 20:38</p>\n</div>\n</a>\n</h4>\n</header>\n<article>\n<p><ul>  <li>Stock futures edge up ahead of retail sales data.</li>  <li>S&amp;P 500 index is headed toward its 30th record close of the year, bolstered by gains in tech stocks.</li>  <li><b>Increase in in PPI over past 12 months rises to 6.6% from 6.2%.</b></li>  <li><b>U.S. retail sales minus gas and autos fall 0.8% in May.</b></li>  <li><b>U.S. retail sales minus gas and autos fall 0.8% in May.</b></li> </ul> (June 15)&nbsp;<b>Producer prices climb 6.6% in May on annual basis, largest 12-month increase on record.</b>&nbsp;Producer prices rose at their fastest annual clip in nearly 11 years in May as inflation continued to build in the U.S. economy, the Labor Department reported Tuesday.</p><p><blockquote><ul><li>股票期货在零售销售数据公布前小幅上涨。</li><li>在科技股上涨的推动下，标普500指数即将创下今年第30个收盘纪录。</li><li><b>过去12个月PPI涨幅从6.2%升至6.6%。</b></li><li><b>美国5月份扣除汽油和汽车的零售额下降0.8%。</b></li><li><b>美国5月份扣除汽油和汽车的零售额下降0.8%。</b></li></ul>（6月15日）<b>5月份生产者价格按年率计算上涨6.6%，为有记录以来的12个月最大涨幅。</b>美国劳工部周二报告称，随着美国经济通胀持续加剧，5月份生产者价格涨幅创近11年来最快。</blockquote></p><p> On a monthly basis, the producer price index for final demand rose 0.8%, ahead of the Dow Jones estimate of 0.6%.</p><p><blockquote>按月计算，最终需求生产者价格指数上涨0.8%，高于道琼斯预期的0.6%。</blockquote></p><p> <b>Stock&nbsp;Market</b></p><p><blockquote><b>股票市场</b></blockquote></p><p> U.S. stock futures edged higher Tuesday ahead of fresh data that will indicate how much Americans spent in stores, at restaurants and online last month.</p><p><blockquote>美国股指期货周二小幅走高，新数据将显示美国人上个月在商店、餐馆和网上的支出。</blockquote></p><p> Futures tied to the S&amp;P 500 ticked up 0.1%, indicating that the broad benchmark index is on track to notch its thirtieth record close of the year. Nasdaq-100 futures gained 0.2%, pointing togains in technology stocksafter the opening bell.</p><p><blockquote>与标普500相关的期货上涨0.1%，表明该广泛的基准指数有望创下今年第三十个收盘纪录。纳斯达克100指数期货上涨0.2%，表明开盘后科技股上涨。</blockquote></p><p> At 8:38&nbsp;a.m. ET, Dow e-minis were up 18 points, or 0.05%, S&amp;P 500 e-minis were up 5.5 points, or 0.13%, and Nasdaq 100 e-minis were up 24.75 points, or 0.18%.</p><p><blockquote>上午8点38分。ET，道指e-minis上涨18点，涨幅0.05%，标普500 e-minis上涨5.5点，涨幅0.13%，纳斯达克100 e-minis上涨24.75点，涨幅0.18%。</blockquote></p><p> <img src=\"https://static.tigerbbs.com/86af5e5e5e4faf68b304fa020ca3a033\" tg-width=\"1242\" tg-height=\"487\"></p><p><blockquote></blockquote></p><p> Investors expect that stocks will climb through the rest of the year due to easy monetary policies. Many people are also betting thathigher inflation, due to the easing of economic restrictions and supply-chain bottlenecks, will be temporary. Signs that inflation will be elevated for a prolonged period or that theFederal Reserve may retrace its supportcould shake that confidence, money managers said.</p><p><blockquote>投资者预计，由于宽松的货币政策，股市将在今年剩余时间内攀升。许多人还押注，由于经济限制和供应链瓶颈的缓解，通胀上升将是暂时的。基金经理表示，通胀将长期上升或美联储可能收回支持的迹象可能会动摇这种信心。</blockquote></p><p> <b>Stocks making the biggest moves in the premarket: Vroom, Ping Identity, Sage Therapeutics &amp; more</b></p><p><blockquote><b>盘前涨幅最大的股票：Vroom、Ping Identity、Sage Therapeutics等</b></blockquote></p><p> <b>1)&nbsp;Vroom(VRM)</b> – Vroom intends to offer $500 million in convertible senior notes due in 2026. The used-vehicle e-commerce platform provider plans to use the proceeds for a variety of corporate purposes as well as investing in or acquiring new technologies. Its shares slid 6.1% in premarket trading.</p><p><blockquote><b>1）轰鸣（VRM）</b>-Vroom打算发行2026年到期的5亿美元可转换优先票据。这家二手车电子商务平台提供商计划将所得款项用于各种企业用途以及投资或收购新技术。其股价在盘前交易中下跌6.1%。</blockquote></p><p> <b>2)&nbsp;Ping Identity(PING) </b>– Ping Identity announced a 6 million share common stock offering, in a sale of shares held by investment funds affiliated with Vista Equity Partners. The identity management solutions company will not receive any proceeds from the offering. The stock tumbled 4.2% in premarket action.</p><p><blockquote><b>2）PING身份（PING）</b>-Ping Identity宣布发行600万股普通股，出售Vista Equity Partners附属投资基金持有的股份。身份管理解决方案公司不会从此次发行中获得任何收益。该股在盘前下跌4.2%。</blockquote></p><p> <b>3)&nbsp;Sage Therapeutics(SAGE)</b> – The drugmaker’s shares tanked 17.5% in premarket trading following the release of study results for Sage’s experimental depression drug. The treatment resulted in a statistically significant improvement in symptoms, although it could take up to six weeks to be effective and treatment may be required for months.</p><p><blockquote><b>3）Sage Therapeutics（SAGE）</b>-在Sage实验性抑郁症药物的研究结果发布后，该制药商的股价在盘前交易中下跌17.5%。该治疗导致症状的统计学显著改善，尽管可能需要长达六周才能有效，并且可能需要数月的治疗。</blockquote></p><p> <b>4)&nbsp;Boeing(BA) </b>– The U.S. and European Union announced aresolution of the long-standing disputeover aircraft subsidies involving Boeing and European rival Airbus. The deal suspends World Trade Organization-authorized tariffs for five years, and U.S. Trade Representative Katherine Tai said it could serve as a model for resolving future disputes.</p><p><blockquote><b>4）波音（BA）</b>-美国和欧盟宣布解决涉及波音公司和欧洲竞争对手空中客车公司的长期飞机补贴争端。该协议将世界贸易组织授权的关税暂停五年，美国贸易代表凯瑟琳·戴表示，该协议可以作为解决未来争端的典范。</blockquote></p><p> <b>5)&nbsp;Exxon Mobil(XOM) </b>– Bank of America reiterated a “buy” rating on the energy giant’s stock, predicting that Exxon Mobil would hike its dividend before the end of the year following cost-cutting measures and a rebound in oil prices.</p><p><blockquote><b>5)埃克森美孚(XOM)</b>——美国银行重申了对这家能源巨头股票的“买入”评级，预计在成本削减措施和油价反弹后，埃克森美孚将在年底前提高股息。</blockquote></p><p> <b>6)&nbsp;Spirit Airlines(SAVE)</b> – Spirit Airlines said in a Securities and Exchange Commission filing that leisure demand has continued to improve throughout the second quarter, and that it has seen operating yields strengthen as well. Citi upgraded the stock to “buy” from “neutral” following that update, and shares rallied 2.6% in the premarket.</p><p><blockquote><b>6)精神航空(SAVE)</b>-精神航空在向美国证券交易委员会提交的文件中表示，整个第二季度休闲需求持续改善，营业收益率也有所增强。更新后，花旗将该股评级从“中性”上调至“买入”，股价在盘前上涨2.6%。</blockquote></p><p> <b>7)&nbsp;Fastenal(FAST)</b> – The maker of industrial and construction supplies was downgraded to “underweight” from “equal-weight” at Morgan Stanley, which notes a lull in customer acquisition as well as a stock that is already near an all-time high. The stock slid 2.2% in the premarket.</p><p><blockquote><b>7）Fastenal（快速）</b>-摩根士丹利将这家工业和建筑用品制造商的评级从“同等权重”下调至“跑输大盘”，摩根士丹利指出，客户获取量出现平静，而且该股已接近历史高点。该股盘前下跌2.2%。</blockquote></p><p> <b>8)&nbsp;AstraZeneca(AZN) </b>– AstraZeneca said an experimental monoclonal antibody treatment did not meet its main goal of preventing Covid-19 in patients who had been exposed to the virus. The company also said, however, that its Covid-19 vaccine is 92% effective against the so-called “Delta” variant of the virus.</p><p><blockquote><b>8）阿斯利康（AZN）</b>-阿斯利康表示，一种实验性单克隆抗体治疗方法没有达到其在接触过该病毒的患者中预防Covid-19的主要目标。然而，该公司还表示，其Covid-19疫苗对所谓的“Delta”病毒变种的有效率为92%。</blockquote></p><p> <b>9)&nbsp;Cracker Barrel(CBRL)</b> – Cracker Barrel announced a $275 million private offering of convertible senior notes due in 2026. The restaurant chain will use the proceeds to pay debt and for general corporate purposes.</p><p><blockquote><b>9）裂解桶（CBRL）</b>-Cracker Barrel宣布私募2.75亿美元2026年到期的可转换优先票据。该连锁餐厅将利用所得款项偿还债务和用于一般公司用途。</blockquote></p><p></p><p> <b>10)&nbsp;Novavax(NVAX)</b> – Novavax announced positive results from its first study of its Covid-19 vaccine and a flu vaccine administered simultaneously. The study suggested that simultaneous vaccination may be a viable strategy.</p><p><blockquote><b>10)诺瓦瓦克斯(NVAX)</b>-Novavax宣布其Covid-19疫苗和流感疫苗同时接种的首次研究取得积极结果。该研究表明，同时接种疫苗可能是一种可行的策略。</blockquote></p><p> <b>11)&nbsp;Intuit(INTU)</b> – The financial software company revealed in an SEC filing that its QuickBooks online service saw new customer acquisition grow by more than 25% year-over-year for the nine months ended April 30. Intuit shares had hit an all-time high in Monday’s trading.</p><p><blockquote><b>11）Intuit（INTU）</b>–这家金融软件公司在向SEC提交的文件中透露，截至4月30日的九个月内，其QuickBooks online服务的新客户获取量同比增长超过25%。Intuit股价在周一的交易中创下历史新高。</blockquote></p><p> <b>12)&nbsp;Vimeo(VMEO)</b> – Vimeo reported that total revenue in May rose 42% from a year ago, with the video services company also seeing average revenue per user up 18%.</p><p><blockquote><b>12)Vimeo(VMEO)</b>-Vimeo报告称，5月份总收入同比增长42%，这家视频服务公司的每用户平均收入也增长了18%。</blockquote></p><p></p>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{".IXIC":"NASDAQ Composite","SPY":"标普500ETF",".DJI":"道琼斯",".SPX":"S&P 500 Index"},"is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1127660571","content_text":"Stock futures edge up ahead of retail sales data.\nS&P 500 index is headed toward its 30th record close of the year, bolstered by gains in tech stocks.\nIncrease in in PPI over past 12 months rises to 6.6% from 6.2%.\nU.S. retail sales minus gas and autos fall 0.8% in May.\nU.S. retail sales minus gas and autos fall 0.8% in May.\n\n(June 15) Producer prices climb 6.6% in May on annual basis, largest 12-month increase on record. Producer prices rose at their fastest annual clip in nearly 11 years in May as inflation continued to build in the U.S. economy, the Labor Department reported Tuesday.\nOn a monthly basis, the producer price index for final demand rose 0.8%, ahead of the Dow Jones estimate of 0.6%.\nStock Market\nU.S. stock futures edged higher Tuesday ahead of fresh data that will indicate how much Americans spent in stores, at restaurants and online last month.\nFutures tied to the S&P 500 ticked up 0.1%, indicating that the broad benchmark index is on track to notch its thirtieth record close of the year. Nasdaq-100 futures gained 0.2%, pointing togains in technology stocksafter the opening bell.\nAt 8:38 a.m. ET, Dow e-minis were up 18 points, or 0.05%, S&P 500 e-minis were up 5.5 points, or 0.13%, and Nasdaq 100 e-minis were up 24.75 points, or 0.18%.\n\nInvestors expect that stocks will climb through the rest of the year due to easy monetary policies. Many people are also betting thathigher inflation, due to the easing of economic restrictions and supply-chain bottlenecks, will be temporary. Signs that inflation will be elevated for a prolonged period or that theFederal Reserve may retrace its supportcould shake that confidence, money managers said.\nStocks making the biggest moves in the premarket: Vroom, Ping Identity, Sage Therapeutics & more\n1) Vroom(VRM) – Vroom intends to offer $500 million in convertible senior notes due in 2026. The used-vehicle e-commerce platform provider plans to use the proceeds for a variety of corporate purposes as well as investing in or acquiring new technologies. Its shares slid 6.1% in premarket trading.\n2) Ping Identity(PING) – Ping Identity announced a 6 million share common stock offering, in a sale of shares held by investment funds affiliated with Vista Equity Partners. The identity management solutions company will not receive any proceeds from the offering. The stock tumbled 4.2% in premarket action.\n3) Sage Therapeutics(SAGE) – The drugmaker’s shares tanked 17.5% in premarket trading following the release of study results for Sage’s experimental depression drug. The treatment resulted in a statistically significant improvement in symptoms, although it could take up to six weeks to be effective and treatment may be required for months.\n4) Boeing(BA) – The U.S. and European Union announced aresolution of the long-standing disputeover aircraft subsidies involving Boeing and European rival Airbus. The deal suspends World Trade Organization-authorized tariffs for five years, and U.S. Trade Representative Katherine Tai said it could serve as a model for resolving future disputes.\n5) Exxon Mobil(XOM) – Bank of America reiterated a “buy” rating on the energy giant’s stock, predicting that Exxon Mobil would hike its dividend before the end of the year following cost-cutting measures and a rebound in oil prices.\n6) Spirit Airlines(SAVE) – Spirit Airlines said in a Securities and Exchange Commission filing that leisure demand has continued to improve throughout the second quarter, and that it has seen operating yields strengthen as well. Citi upgraded the stock to “buy” from “neutral” following that update, and shares rallied 2.6% in the premarket.\n7) Fastenal(FAST) – The maker of industrial and construction supplies was downgraded to “underweight” from “equal-weight” at Morgan Stanley, which notes a lull in customer acquisition as well as a stock that is already near an all-time high. The stock slid 2.2% in the premarket.\n8) AstraZeneca(AZN) – AstraZeneca said an experimental monoclonal antibody treatment did not meet its main goal of preventing Covid-19 in patients who had been exposed to the virus. The company also said, however, that its Covid-19 vaccine is 92% effective against the so-called “Delta” variant of the virus.\n9) Cracker Barrel(CBRL) – Cracker Barrel announced a $275 million private offering of convertible senior notes due in 2026. The restaurant chain will use the proceeds to pay debt and for general corporate purposes.\n10) Novavax(NVAX) – Novavax announced positive results from its first study of its Covid-19 vaccine and a flu vaccine administered simultaneously. The study suggested that simultaneous vaccination may be a viable strategy.\n11) Intuit(INTU) – The financial software company revealed in an SEC filing that its QuickBooks online service saw new customer acquisition grow by more than 25% year-over-year for the nine months ended April 30. Intuit shares had hit an all-time high in Monday’s trading.\n12) Vimeo(VMEO) – Vimeo reported that total revenue in May rose 42% from a year ago, with the video services company also seeing average revenue per user up 18%.","news_type":1,"symbols_score_info":{".IXIC":0.9,"SPY":0.9,".DJI":0.9,".SPX":0.9}},"isVote":1,"tweetType":1,"viewCount":366,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"EN","totalScore":0},{"id":879197928,"gmtCreate":1636687809253,"gmtModify":1636687809459,"author":{"id":"3585388049997493","authorId":"3585388049997493","name":"StellaHJY","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":12,"crmLevelSwitch":0,"followedFlag":false,"idStr":"3585388049997493","authorIdStr":"3585388049997493"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/SBUX\">$Starbucks(SBUX)$</a>ugnmmn","listText":"<a 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