JPMorgan reports second-quarter 2024 net income of $18.1 billion ($6.12 per share)
JPMorgan reports second-quarter 2024 net income of $18.1 billion ($6.12 per share)
2Q24 Financial highlights
2Q24財務亮點
Jamie Dimon, Chairman and CEO, commented: “The Firm performed well in the second quarter, generating net income of $13.1 billion and a ROTCE of 20% after excluding a net gain on our Visa shares, a contribution to the Firm’s Foundation and discretionary securities losses.” Dimon concluded: “Finally, we take pride in driving economic growth by extending credit and raising capital totaling more than $1.4 trillion YTD for large and small businesses, governments and U.S. consumers.”
董事長兼首席執行官傑米·戴蒙評論道：“本季度公司表現良好，除了Visa的淨收益、公司基金的捐贈和自由證券虧損之外，我們實現了131億美元的淨利潤和20%的ROTC。最後，我們引以爲豪的是，通過向大型和小型企業、政府和美國消費者提供超過1.4萬億美元的信貸和資金籌集，推動了經濟增長。”
Income statement
損益表
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2Q24 net income of $18.1B and EPS of $6.12
– Excluding significant items , 2Q24 net income of $13.1B, EPS of $4.40 and ROTCE of 20%
Managed revenue of $51.0B
Expense of $23.7B and managed overhead ratio of 47%
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2Q24淨利潤爲181億美元，每股收益爲6.12美元。
排除重大事項後，2Q24淨利潤爲131億美元，每股收益爲4.40美元，ROTC爲20%。
管理營業收入爲510億美元。
支出爲23.7億美元，管理費用比率爲47%。
Balance sheet
資產負債表
Loans: average loans of $1.3T up 6% YoY including First Republic and flat QoQ
Deposits: average deposits of $2.4T down 1% YoY and flat QoQ
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CET1 capital of $267B
– Standardized CET1 capital ratio of 15.3% ; Advanced CET1 capital ratio of 15.5%
貸款：平均貸款爲1.3萬億美元，同比增長6%，包括第一共和銀行，環比持平。
存款：平均存款爲2.4萬億美元，同比下降1%，環比持平。
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CET1資本爲2670億美元。
標準化CET1資本充足率爲15.3%；愛文思控股CET1資本充足率爲15.5%。
Capital distributed
資本分配。
Common dividend of $3.3B or $1.15 per share
$4.9B of common stock net repurchases
Net payout LTM of 45%
每股33億美元的普通股股息或1.15美元。
49億美元的普通股淨回購。
LTm的淨支付比率爲45%。
Outlook
展望
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Expect FY2024 net interest income of ~$91B, market dependent
Expect FY2024 net interest income excluding Markets of ~$91B, market dependent
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Expect FY2024 adjusted expense of ~$92B, market dependent
– Adjusted expense excludes Firmwide legal expense and includes the increase to the FDIC special assessment in 1Q24 and the Foundation contribution in 2Q24
Expect FY2024 Card Services NCO rate of ~3.4%
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預計FY2024年的淨利息收入約爲910億美元，取決於市場。
預計FY2024年淨利息收入排除市場因素約爲910億美元，取決於市場。
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預計FY2024年的調整費用約爲920億美元，取決於市場。
——調整後費用不包括公司範圍內的法律費用，幷包括1Q24的FDIC特別評估增加和2Q24的基金會捐贈。
預計在2024財年，卡服務業NCO率約爲3.4%。
譯文內容由第三人軟體翻譯。