金融服務業的財報季節今天上午正式拉開序幕，四大銀行中有三家公佈了財報。

我們先來看看摩根大通。從大多數方面來看，他們都粉碎了它。該國最大的銀行 報導 利潤 13.42 億美元，營收 41.93 億美元——這是第一季的數據，而不是一年的數據。有人告訴過你銀行業利潤很高嗎？

富國銀行也 報導 穩定的收入。利潤略有下降，但仍為 4.62 億美元，營收為 20.86 億美元。獲利和營收均高於華爾街分析師的預期。

花旗也 突破 分析師預計利潤為 3.37 億美元，營收為 21.10 億美元，但這兩個數字都低於去年同期。

三份收益報告的主題之一是利率上升的影響。由於利率已經高企一段時間了，消費者正在將資金從利息很少的帳戶轉移到收益更高的定期存款或儲蓄帳戶。 

這對淨利息收入（NII）這個重要指標有直接影響。銀行預計 2024 年剩餘時間內 NII 將保持持平或下降。

美國銀行週二發布報告。

提要

> 摩根大通利潤上升，但利率上升開始帶來影響

華爾街日報

美國最大的銀行警告稱，它開始支付更多的客戶存款費用。

來自 Fintech Nexus

> 許多千禧世代、Z 世代的薄文件消費者做出了良好的信用賭注：公開借貸-TransUnion 報告

東尼澤魯查

Open Lending 和 TransUnion 的一份新報告打破了許多薄薄的消費者，尤其是年輕消費者的風險更大的神話。

播客

Alloy 執行長兼聯合創辦人 Tommy Nicholas 談打擊詐欺

如今，銀行和金融科技公司打擊詐欺行為比以往任何時候都更具挑戰性。但我們有理由對此感到樂觀…

現在聽

還製造新聞

為了贊助我們的時事通訊並向 180,000 名金融科技愛好者傳達您的訊息， 點擊這裡聯繫我們！.

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