智通财经APP获悉，美国银行业巨头第四季度利润大幅增长，这主要得益于借款人需求的持续增长，表 明美国经济形势良好，也预示着贷款机构未来的盈利前景乐观。 美国银行(BAC.US)周三公布的数据显示，其平均贷款额同比增长8%，净利息收入(即贷款收入与存款支 出之间的差额)飙升至创纪录的159亿美元。其竞争对手摩根大通(JPM.US)的平均贷款额增长了9%。投 资者普遍认为，贷款增长是银行业务的积极指标，也是经济整体强劲的体现。 美国银行首席财务官Alastair Borthwick在电话会议上告诉记者："我们看到所有消费贷款类别都实现了 增长。这在第四季度对我们有所帮助，但总体而言，2025年的故事更多地围绕商业借贷展开……我们身 处经济增长环境中的客户持续投资以支持其业务发展。" 美国经济展现韧性 Borthwick表示，美国银行预计2026年贷款增长率将达到中等个位数百分比。尽管特朗普实施了大规模 进口关税，但美国经济和美国消费者依然保持韧性，这部分得益于人工智能的蓬勃发展和美联储的降 息。市场预计今年还将有两次降息。 标普全球市场情报公司的分析师在周二发布的一份报告中写道："他们对2026年经济持续增长的势 ...

President Donald Trump reiterated that the interest rates should be lowered, dismissing warnings by JPMorgan Chase & Co. (NYSE:JPM) CEO Jamie Dimon about the potential negative effects of political interference with the Federal Reserve. “Jamie Dimon probably wants higher rates. Maybe he makes more money that way,” stated Trump while speaking to reporters at Joint Base Andrews in Maryland on Tuesday. Don't Miss: He also slammed Dimon for his take on the 10% interest rate cap on credit cards that Trump has ...

Group 1 - The fourth quarter earnings season has commenced with reports from Delta Air Lines and JPMorgan Chase, with more bank earnings expected later in the week [1][5] - Wall Street analysts predict an 8.3% earnings per share growth rate for S&P 500 companies in Q4, marking the 10th consecutive quarter of annual earnings growth if realized [2] - Analysts have increased earnings expectations for tech companies, which have been significant contributors to earnings growth in recent quarters, with a prior estimate of 7.2% for Q4 [3] Group 2 - The earnings season will test the improved stock market breadth observed at the beginning of 2026, with ongoing themes such as artificial intelligence and economic policies from the Trump administration influencing market dynamics [4] - Major financial companies scheduled to report earnings this week include Bank of New York Mellon, Bank of America, Citigroup, Wells Fargo, BlackRock, Goldman Sachs, and Morgan Stanley [5]

Wall Street’s dealmaking boom didn’t slow at Goldman Sachs (GS) in the fourth quarter. Goldman reported net income of $4.6 billion, or $14.01 earnings per share, a 12% increase from the fourth quarter of last year. The outcome far exceeded analyst expectations, which did not include Goldman's deal to pass its Apple (AAPL) credit card portfolio to JPMorgan Chase (JPM) that was disclosed last week. The handoff included a $2.12 billion net benefit reflecting a release of loan loss reserves tied to the port ...

As shown in the rating history chart below, I haven't been particularly bullish on JPMorgan Chase & Co. ( JPM ) last year. However, that doesn't mean the fundamentals weren't solid. In my mostI'm a full-time investor with a strong focus on the tech sector. I graduated with a Bachelor of Commerce Degree with Distinction, major in Finance. I'm also a proud lifetime member of the Beta Gamma Sigma International Business Honor Society. My core values are: Excellence, Integrity, Transparency, & Respect. I always, ...

As shown in the rating history chart below, I haven't been particularly bullish on JPMorgan Chase & Co. ( JPM ) last year. However, that doesn't mean the fundamentals weren't solid. In my mostI'm a full-time investor with a strong focus on the tech sector. I graduated with a Bachelor of Commerce Degree with Distinction, major in Finance. I'm also a proud lifetime member of the Beta Gamma Sigma International Business Honor Society. My core values are: Excellence, Integrity, Transparency, & Respect. I always, ...

Well, that was a mixed bag. It was a major week for financial institutions, with a hefty handful of the biggest players reporting fourth-quarter earnings yesterday. There were signs of strength, with Bank of America posting record fourth-quarter income in its wealth unit, but overall, investors were unimpressed. Wells Fargo’s stock fell 5% Wednesday, while Bank of America’s and JPMorgan’s declined 4%. The earnings calls may not have been what some analysts were expecting, but executives said they were sti ...

Core Insights - WuXi Biologics has achieved significant advancements in 2025 through its CRDMO model, enhancing its position as a preferred partner for biopharmaceutical innovators and multinational corporations [1][2] - The company reported a record high of 209 new integrated projects in 2025, bringing the total to 945, with approximately 50% of these projects originating from U.S. clients [2][8] - WuXi Biologics is focusing on complex modalities, particularly bispecific/multispecific antibodies and ADCs, which now account for nearly 50% of its total project pipeline [4][8] Project Development - The company added 23 new projects in 2025, including 6 Phase III and commercial projects, with a significant portion involving complex modalities [5] - Bispecific/multispecific antibodies and ADCs have seen a growth of approximately 30%, reaching 196 and 252 projects respectively, contributing nearly 20% of the company's revenue with over 120% year-over-year growth [4][8] Research and Innovation - WuXi Biologics' research services achieved record-breaking upfront payments and potential milestone values exceeding USD 4 billion in 2025, driven by T-cell engager deals [7] - The CD3 platform has been widely adopted in the industry, enhancing the efficacy-safety balance of bispecific antibodies [6][7] Manufacturing Capabilities - The total number of Phase III clinical and commercial manufacturing projects reached 99 in 2025, with a strong focus on operational excellence and technology leadership [11][12] - WuXi Biologics completed 28 PPQs in 2025, maintaining a success rate of over 99% and delivering more than 350 large-scale batches since 2017 [12][13] Global Expansion - The company is increasing strategic investments in the U.S. and has commenced construction of new facilities in Singapore, positioning these sites as strategic hubs within its global network [14][15] - An MOU was signed with the Qatar Free Zones Authority to establish a strategic site in Qatar, expanding WuXi Biologics' global footprint [16] Digital Innovations - WuXi Biologics has integrated digital innovations across its operations, achieving approximately 40% productivity gains and a 20% improvement in efficiency through smart manufacturing solutions [18] - The launch of the digital twin platform PatroLab aims to enhance process performance and ensure high-quality biologics manufacturing [18] Sustainability Efforts - The company has made significant strides in sustainability, earning an MSCI AAA Rating and being recognized in various sustainability indices [19][23] - WuXi Biologics is committed to driving green technology innovations and fostering positive social and environmental impacts [23] Future Outlook - In 2026, WuXi Biologics aims to build on its strong momentum with accelerated growth driven by robust research and manufacturing capabilities [20]

2026.01.15 本文字数：1959，阅读时长大约3分钟 作者 |第一财经 樊志菁 本周，美国大型银行开启了新财报季的序幕，行业延续净利息收入高增长、交易业务强劲的表现。然而 金融板块股价却跌跌不休，行业内部对美国总统特朗普的信用卡政策有所担忧，并普遍对美国政府起诉 美联储主席鲍威尔表达了质疑。 贷款需求反映经济韧性 标普全球市场情报的分析师在本周发布的一份报告中指出："在宏观经济企稳和信贷环境向好的推动 下，我们对2026年银行业增长势头延续持乐观态度。"该机构估算，截至2025年底，美国银行业整体贷 款规模同比增幅已大幅提升至5.3%。 信用卡利率上限政策隐忧 不过，在地缘政治紧张局势加剧、政策不确定性上升的背景下，银行也面临着潜在的发展阻力。 虽然大型银行有望从特朗普政府监管机构推出的资本减免政策中获益，但其他政策提案可能会对其造成 冲击，其中就包括总统上周意外提出的将信用卡利率上限设定为10%的计划。 毕马威美国银行业主管托伦特（Peter Torente）在邮件中表示："2026年，银行业在追逐增长的同时， 需高度警惕复杂的风险环境，其中涵盖地缘政治紧张局势、经济波动以及非银行机构带来的竞争压力 ...

智通财经APP注意到，尽管美国人似乎正深陷负担能力危机，但该国的大型银行并未感受到这种压力。消费者支出正在增长，居民在储蓄的同时也在进行投 资，而坏账信用卡的损失正在下降。这与调查报告中显示的消极情绪以及对物价高企的阵阵抱怨形成了一个谜团，但在贷款机构看来，至少2026年的经济前 景表现强劲。 这是本周美国银行(BAC.US)、花旗集团(C.US)、摩根大通(JPM.US)和富国银行(WFC.US)在第四季度财报中传达的信息。各家高管均表示，家庭和小企业保 持了韧性。这些机构一直在关注形势是否恶化，但目前并未发现。 摩根大通首席执行官杰米.戴蒙周二表示，未来6到12个月的情况看起来相当积极。"消费者有钱，"他表示，"尽管就业市场略有疲软，但工作岗位依然存 在。还有来自'大美丽法案'的大量刺激资金正在涌入。" 美国银行首席财务官阿拉斯泰尔.博思威克在周三补充称，消费者正处于"极佳状态"。尽管整体经济的储蓄率开始下降，但博思威克并未发现人们为了维持 生计而增加借贷、减少储蓄的迹象。 截至2025年底，美银零售客户持有的投资资产增长了16%，达到约6000亿美元，这主要得益于全年190亿美元的资金流入。 "消费者的 ...