富国银行(Wells Fargo)周五公布的2024年第三季度业绩表现超过市场预期,引发了市场对其股价的大幅波动。财报数据显示,该行第三季度净利润同比下降11%至51.1亿美元,每股收益1.42美元,高于分析师平均预期的1.28美元。
针对净利润下滑的主因,富国银行解释称主要是因为净利息收入(NII)同比下降11%至116.9亿美元,低于市场预期。这主要是由于贷款需求疲软以及为维持存款规模,该行不得不向客户支付更高的存款利率利息,从而加大了成本压力。
不过,该行投资银行业务的强劲表现部分抵消了NII下滑的影响。财报数据显示,富国银行第三季度投行业务费用收入同比大增37%至6.72亿美元,这有助于推动其非利息收入同比增长12%至86.8亿美元。另外,该行也通过控制成本支出和优化资产投资组合来缓解利润压力。该行第三季度仅计提了10.7亿美元贷款损失准备金,低于去年同期12亿美元。
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