𩇕𩇕A m ortgage-refinancingboom that helpedfuel a surge inbankprofits is fizzling靗a signofw orseninghealthfor the financial sector andtheU .S . econom y𩇫
𩇕𩇕琵蝗︽𤪺柬𡛺增倈抵押禪躥梶磕戈姦正㶏䓩退靗這琌簕磕訣構㎝䣝瓣經蕾胺眃鍄猵跑化倈獺腹𩇫(䣝瓣飬地焊刁日廚鍸)
𩇕𩇕抵押禪躥梶磕戈姦倈䓩退𢵧𢡠從䣝瓣蝗︽程新公布倈癩叭廚𡛦中找鯩勃格𩇫
𩇕𩇕JPM organC haseandW ells Fargo靗tw oofthe biggest U Sbanks byassets靗kickedoff W allStreetˇs earnings seasononFridaybyreportingrecordprofits thanks tocost-cuttingandlow erprovisions for potentiallybadloans𩇫
𩇕𩇕䣝瓣ㄢ產戈玻肂程𡛺倈蝗︽集𣇸𡛺通㎝碔瓣蝗︽靗叐㏄五𢡠承尓魁倈𤪺柬肂幣笆䙺地焊刁𠜎﹗𠵴癩廚倈公布𩇫礛τ靗這ㄢ產蝗︽倈𤪺柬𡛺增得痲圝玠搭Θ本及癸肩㶏胊姐倈耕𥈡擠稱𩇫(䣝瓣飬劃减頓秎廚鍸)
𩇕𩇕這ㄢ產蝗︽𤪺柬倈增摱䢛獶由ㄤ忟心倈抵押禪躥穨叭𤪺柬倈增摱帶笆靗這𦽳𤎌失辨𩇫
𩇕𩇕JPM organ Chase靗based in N ew York靗earned$6.5billion靗or $1.59a share靗for the three-m onth period that ended M arch 31靗up from $4.9billion靗or $1.19 a share靗a year earlier. A nalystshad expected $1.39. Revenue fell to $25.8 billionfrom $26.8 billion a year earlier𩇫
𩇕𩇕羆場㶏㰍𡲥倈集𣇸𡛺通鯩3月31日塜止倈材𠜎﹗𠵴寥䙺65貨䣝元靗–𣎴𤪺柬達鯩1.59䣝元靗藹圝𠜎𤫟玡倈𤪺柬49貨䣝元及–𣎴𤪺柬1.19䣝元𩇫分析凴𡌺純箇璸ㄤ–𣎴𤪺柬塜1.39䣝元𩇫袿琌贛︽倈Μ𤦬從𠜎𤫟玡倈268貨䣝元𤪼禴鯩258貨䣝元𩇫(䣝瓣飬炋鵭罠𤨣廚鍸)
𩇕𩇕集𣇸𡛺通倈袖𤪺柬𡛺增33%靗袿羆Μ𤦬卻𤪼禴䙺4%左𢲡𩇫碔瓣蝗︽寥䙺51.7貨䣝元靗𠜎𤫟玡𤪺柬塜42.5貨䣝元靗增蕂䙺22%𩇫袿贛︽Μ𤦬從216貨䣝元𤪼禴鯩213貨䣝元靗响𤪼禴䙺1.75%𩇫
𩇕𩇕涥飃靗ㄢ產蝗︽常兹㶏㯗𠜎鞽拜題靗碍𤪺柬羆肂叐升靗袿羆Μ𤦬𤪼禴𩇫
𩇕𩇕M ortgagerefinancinghadbeenonebrightspot inrecent quarters. T hem ortgage-bankingoperations of U .S . banks andthrifts reportedprofitsof $31.9billion last year靗about sixtim estheam ountnotched in 2011 and thelargest total inat least adecade靗accordingtom ortgage tracker Inside M ortgage Finance𩇫
𩇕𩇕抵押禪躥梶磕戈純經琌程刼碭鞽﹗𠵴倈亮翴𩇫𣇸沮蛤蘿抵押禪躥穨叭倈䣝瓣┬禪簕磕內把倈參璸靗𤧣𤫟䣝瓣蝗︽倈抵押禪躥蝗︽穨叭𤪺柬達鯩319貨䣝元靗琌2011𤫟倈6廴靗塜𡡀少10𤫟ㄓ倈程𡛺砏家𩇫(䣝瓣飬地焊刁日廚鍸)
𩇕𩇕瞷㶏這𠜎˙伐㛵經開﹍𦎾篊𩇫䣝瓣程𡛺倈蚠┬抵押禪躥蝗︽碔瓣蝗︽倈抵押禪躥𤪼禴䙺2.7%靗材熌𡛺蚠┬抵押禪躥蝗︽集𣇸𡛺通贛穨叭𤪺柬禴奔䙺31%𩇫
𩇕𩇕JPM organC hase saidits investm ent bank-ingandasset m anagem ent earningsw ereup靗andits set-asides tocover litigation靗m uchof itstem m ing from bad loansfrom thehousingbust靗w ere dow n𩇫
𩇕𩇕集𣇸𡛺通嘿靗ㄤ投︽穨叭㎝戈玻恨瞶Μ𤦬㶏叐升靗贛公𣊭癸圝𡛺場分ㄓ䅿┬𣽿玻泡沫破吊τ引祇倈﹛𣊭倈擠稱㶏搭少𩇫(䣝瓣飬炋鵭罠𤨣廚鍸)
𩇕𩇕贛公𣊭投戈蝗︽穨叭穨罿𣜭瞷𢴇︹靗㯗𤨣公𣊭支𢴇𤪼芇孊獺禪戈玻借秖叐升𩇫材𠜎癩﹗穨罿中璸𤦬籔獺用𪑛禪躥損失擠稱𤪼芇𢡠及┬叶抵押禪躥損失擠稱𤪼芇瑥閩倈–𣎴18䣝分袖𤪺得𩇫叐𤫟㯗戳穨罿玥璸𤦬籔禗砠Θ本𢡠及贛︽杜叭基𠇁跑笆瑥閩倈–𣎴8䣝分袖損失𩇫
𩇕𩇕W ells Fargoreportedits m ortgagebankingnoninterest incom e totaled $2.79 billion靗down 2.6%from a year earlier. H om e lending originations w eredown at $109 billion靗com pared with $125 billion inthe prior quarter.A pplications dropped to $140 billionfrom $152billioninthe prior quarter. The bankreported a net interest m argin-the profit m argin be-tween lending and investing-of 3.48% versus 3.91% ayear earlier and3.56% inthe fourthquarter.Butnoninterest expense dropped 5.7%to $7.34 billion𩇫
𩇕𩇕碔瓣蝗︽倈抵押禪躥獶𤪺㤲Μ𤦬塜27.9貨䣝元靗比𠜎𤫟玡𤪼禴2.6%𩇫蚠┬禪躥𤪼禴鯩1090貨䣝元靗玡𠜎﹗𠵴塜1250貨䣝元𩇫禪躥申叫從玡𠜎﹗𠵴倈1520貨䣝元𤪼禴鯩1400貨䣝元𩇫贛︽倈袖𤪺差碩𠵴塜3.48%靗τ𠜎𤫟玡塜3.91%靗材䆐﹗𠵴塜3.56%𩇫袿琌獶𤪺㤲開支𤪼禴䙺5.7%靗塜73.4貨䣝元𩇫(FoxBusiness)
𩇕𩇕㶏ㄤ它蝗︽從抵押禪躥穨叭中撤退之𤨣靗碔瓣蝗︽𠜎臘Θ塜抵押禪躥穨叭倈燴繷ο𩇫袿贛︽目玡㛵經硈尿ㄢ鞽﹗𠵴蚠┬抵押禪躥𤪼禴𩇫㶏𤪺率獶常𥈡倈薄猵𤪼靗碭恾⊿Τ弢躥𤎌秈︽梶磕戈𩇫
𩇕𩇕不過靗ㄢ產蝗︽CEO均𣜭示靗䣝瓣┬𣽿玻市初仍㶏走鋲強勁𩇫袇恾靗𢖯𡌺癸┬𣽿玻穨叭䢛未完𦞴失𤧣獺心𩇫
𩇕𩇕
