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由于贷款违约减少,富国银行利润上升

纽约( AP ) --富国银行在星期三公布第三季度的收入增长了百分之19,由于坏账的损失减少,一个有希望的标志美国人商业和消费者财政变得更稳定。

以旧金山为基础的银行赚得$3.15十亿,或每股60分,到九月为止的三个月中,超出了分析家预期的每股5分。银行赚得$2.64十亿,或每股56分,在早年的同一时期。

富国银行少数的顾客在贷款中违约,而少数顾客在其贷款及信用卡中拖延还款。这同样也是其他美国大银行的主题,在迄今为止的公布业绩中: 摩根大通公司,美国银行公司,和花旗集团有限公司。 银行业绩结果显示痛苦开始减缓,自从30世纪三十代以来美国人努力抗争的最长一次经济衰退。

富国银行从坏账中第三季度的损失是$4.1十亿,比2009年第三季度下降了百分之20。坏账的数额在几乎所有富国银行的经营范围内下降:商业贷款下降百分之26,商业不动产下降百分之39,和信用卡下降百分之13。

然而,富国银行仍然留出大量的资金去弥补未来的贷款损失,尽管数额少于去年。 富国银行在三季度留出$3.45十亿例如这样的损失,比去年的$6.11十亿有所下降。

在另一个积极的信号,国富银行表示在商业和消费者新增贷款上升百分之17,这是银行历史第二高水平的贷款记录。

詹森戈德伯格,巴克莱银行的分析员,也注意到银行途径的新抵押贷款在本季度结束时$101十亿,增长$33十亿,这表示抵押贷款将在第四季度活跃起来。

较少令人鼓舞的注意,截止九月富国银行登记的贷款总量是$753.7十亿,前一季度的贷款总量是$766.3十亿。这意味着全部借贷的需要尚未全部开启,而银行尚未充分恢复。

富国银行,国家最大抵押放贷者之一,也遭受详细审查,作为取消抵押品赎回权混乱组成的一部分,银行业也卷入其中。 虽然其不停止取消抵押品赎回权,其对手美洲银行以及摩根大通已经停止其多数的取消抵押品赎回权行动,因为有证据显示许多文件进行了错误的处理。

总经理约翰施通普夫已抵制参加其他银行临时中断取消抵押品赎回权,在电话会议上重申立场,与分析家讨论公司收入。

“我们有信心对取消抵押品赎回权以及抵押证券化的产品、流程和文件材料是健全的和精确的”施通普夫说。

富国银行公布的收入是$20.87十亿,相比去年第三季度的收入是$22.47十亿。

富国银行股票闭市是上升$1.05,或百分之4.3,收盘于$25.60。

 


 
Wells Fargo profit rises as loan defaults ease

NEW YORK (AP) -- Wells Fargo & Co. reported a 19 percent increase in its third-quarter income Wednesday as losses from bad loans declined, a hopeful sign that American businesses and consumers are becoming more financially stable.

The San Francisco-based bank earned $3.15 billion, or 60 cents per share, in the three months ending in September, beating analysts' expectations by 5 cents per share. The bank earned $2.64 billion, or 56 cents per share, in the same period a year earlier.

Fewer of Wells Fargo's customers defaulted on loans, and fewer were late in payments on their mortgage and credit cards. It was a common theme with other large U.S. banks that have reported results so far this quarter: JPMorgan Chase &Co., Bank of America Corp., and Citigroup Inc. The banks' results suggested that the suffering has started to subside for Americans struggling through the longest recession since the 1930s.

Wells Fargo's losses from bad loans were $4.1 billion in the third quarter, down 20 percent from the third quarter of 2009. The number of bad loans fell in almost all of Wells Fargo's business lines: down 26 percent in commercial loans, down 39 percent in commercial real estate, and down 13 percent in credit cards.

However, Wells Fargo is still setting aside large amounts of funds to cover future losses from loans, although less than a year ago. Wells Fargo set aside $3.45 billion for such losses in the third quarter, down from $6.11 billion last year.

In another positive sign, Wells said it saw a 17 percent increase in new loans to businesses and consumers as mortgage applications reached the second-highest level in the bank's history.

Jason Goldberg, a banking analyst at Barclays Capital, also noted that the bank's pipeline for new mortgage loans was $101 billion at the end of the quarter, up $33 billion and suggesting that mortgage lending activity would be strong in the fourth quarter.

On a less encouraging note, the total amount of loans on Wells Fargo's books fell to $753.7 billion at the end of September from $766.3 billion in the previous quarter. That means overall demand for borrowing hasn't picked up yet, and banks have not yet fully recovered.

Wells Fargo, one of the nation's largest mortgage lenders, has also come under scrutiny as part of the foreclosure mess that has embroiled the banking industry. Although it has not halted foreclosures, rivals Bank of America Corp. and JPMorgan Chase & Co. have stopped many of their foreclosure proceedings because of evidence that thousands of documents were improperly handled.

CEO John Stumpf has resisted calls to join other banks in suspending foreclosures, and reaffirmed that stance in a conference call with analysts to discuss the company's earnings.

"We are confident that our practices, procedures and documentation for both foreclosures and mortgage securitizations are sound and accurate," Stumpf said.

Wells posted revenues of $20.87 billion, compared with $22.47 billion in the third quarter of last year.

Wells Fargo shares closed up $1.05, or 4.3 percent, at $25.60.

 


 

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