2024年第三季度,富国银行迎来了业绩增长,股价盘中一度大涨6.79%,引发市场广泛关注。财报数据显示,该行第三季度营收同比略降2%至203.7亿美元,但利润增长4%达到51.1亿美元,每股收益1.42美元优于分析师预期。
值得注意的是,富国银行净利息收入同比下降11%至116.9亿美元,主要源于贷款需求疲软以及存款成本上升。为化解净利息收入下滑的利润压力,该行着力拓展非利息业务收入。财报显示,得益于投行业务费用收入同比大增37%,推动第三季度非利息收入达到86.8亿美元,同比增长12%,有力抵消了净利息收入下滑的负面影响。
另一方面,该行还通过减少信贷损失准备金的计提来控制成本。本季度该行仅计提了10.7亿美元贷款损失准备金,较上年同期减少1.3亿美元,从而进一步提振了净利润水平。富国银行首席执行官表示,在当前利率下行周期中,该行通过优化资产负债结构、拓展非利息业务等措施成功保持了业绩增长,展现出了良好的抗风险能力。
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