JPMorgan Chase sees 35% profit boost
JPMorgan Chase, the nation’s largest bank, posted revenue of $41.7 billion in Q3, a 22% increase over the third quarter of 2022. This topped estimates of $39.6 billion. Net income was up 35% year over year to $13.2 billion, or $4.33 per share, topping estimates of $3.89 per share.
JPMorgan’s consumer and community banking (CCB) business led the way with a 29% revenue increase to $18.4 billion. Loans were up 17% year over year firmwide, and net interest income jumped 30% to $22.9 billion, including the First Republic acquisition. Non-interest revenue was up 12% to $17.8 billion.
The revenue gains were primarily due to higher interest rates and higher revolving balances on credit cards, offset by a 3% decline in deposit balances.
Among its other segments, JPMorgan’s investment banking business saw revenue decline 10% year over year, while commercial banking was up 32% and asset and wealth management gained 10% in the quarter.
逐句文法分析
1. JPMorgan Chase, the nation’s largest bank, posted revenue of $41.7 billion in Q3, a 22% increase over the third quarter of 2022.
JPMorgan Chase, the nation’s largest bank, 中間的 the nation’s largest bank 是同位語， 用來補充說明 JPMorgan Chase。
post + 數字／結果 在財經英文中非常常見， 可以表示「公布、報告」某項財務數據。
這家公司公布了強勁的營收成長。
a 22% increase over the third quarter of 2022 表示「較 2022 年第三季增加 22%」。
an increase of X% over + 時間 是財經英文常見的比較方式。
2. This topped estimates of $39.6 billion.
top estimates = 超越預期。
在財經新聞中，top 可以作動詞使用， 表示「超越、超過」。
營收超越分析師預期。
常見同義表達包括： beat estimates、 exceed estimates、 surpass estimates、 outperform expectations。
3. Net income was up 35% year over year to $13.2 billion, or $4.33 per share, topping estimates of $3.89 per share.
be up + 百分比 = 增加……%。
year over year = 年增、與去年同期相比。 財經英文中也常縮寫為 YoY。
營收年增 15%。
to $13.2 billion 中的 to 表示增加或變化後達到的數值。
per share = 每股。
topping estimates 是現在分詞片語， 用來補充說明淨利表現。
4. JPMorgan’s consumer and community banking (CCB) business led the way with a 29% revenue increase to $18.4 billion.
lead the way = 領先、成為主要推動力量。
科技業務以強勁成長領先。
在財經文章中，lead the way 常常可以理解為「成為主要的成長動力」。
with a 29% revenue increase 使用 with + 名詞 補充說明前面的情況。
5. Loans were up 17% year over year firmwide, and net interest income jumped 30% to $22.9 billion, including the First Republic acquisition.
firmwide = 全公司範圍內、整個公司。
net interest income = 淨利息收入， 是銀行業非常重要的財務指標。
jumped 30% = 大增 30%。
jump 在財經英文中常用來表示數字快速或大幅增加。
including + 名詞 = 包括……。
acquisition = 收購。
6. Non-interest revenue was up 12% to $17.8 billion.
be up 12% to $17.8 billion 是財經新聞非常常見的句型。
A was up X% to $Y = A 增加 X%，達到 Y。
7. The revenue gains were primarily due to higher interest rates and higher revolving balances on credit cards, offset by a 3% decline in deposit balances.
revenue gains = 營收增長。
be primarily due to = 主要歸因於。
due to = 由於、歸因於。
這項增長主要歸因於需求增加。
revolving balances on credit cards = 信用卡循環餘額。
offset by = 被……抵銷。
這些增長被較高的成本所抵銷。
a 3% decline in deposit balances = 存款餘額下降 3%。
8. Among its other segments, JPMorgan’s investment banking business saw revenue decline 10% year over year, while commercial banking was up 32% and asset and wealth management gained 10% in the quarter.
Among its other segments = 在其他業務部門之中。
segment 在公司財報中通常指「業務部門」或「業務板塊」。
saw revenue decline 10% = 營收下降 10%。
see + 名詞 + 原形動詞 是新聞英文常見結構。
這家公司營收下降 5%。
while 在這裡表示「而、然而」， 用來對比不同業務部門的表現。
gained 10% = 增加 10%。
重要片語
| 英文片語 | 中文意思 |
|---|---|
| see a profit boost | 獲利增加 |
| post revenue | 公布營收 |
| top estimates | 超越預期 |
| be up year over year | 年增 |
| lead the way | 領先、成為主要推動力量 |
| drive growth | 推動成長 |
| jump 30% | 大增 30% |
| be due to | 歸因於、由於 |
| offset by | 被……抵銷 |
| see revenue decline | 營收出現下降 |
| per share | 每股 |
| year over year | 年增、與去年同期相比 |
重要單字
| 單字 | 中文意思 |
|---|---|
| profit | 利潤、獲利 |
| boost | 增加、提升 |
| revenue | 營收 |
| estimate | 預估、預期 |
| income | 收入；所得 |
| share | 股份；每股 |
| consumer | 消費者 |
| loan | 貸款 |
| firmwide | 全公司範圍內的 |
| interest | 利息 |
| acquisition | 收購 |
| gain | 增加、收益 |
| primarily | 主要地 |
| revolving | 循環的 |
| balance | 餘額 |
| offset | 抵銷、抵消 |
| decline | 下降 |
| deposit | 存款 |
| segment | 業務部門、業務板塊 |
| investment banking | 投資銀行業務 |
| commercial banking | 商業銀行業務 |
| wealth management | 財富管理 |
同義詞
| 原文 | 同義詞／近義表達 |
|---|---|
| boost | increase、rise、growth |
| post | report、announce、record |
| top estimates | beat estimates、exceed estimates、surpass estimates |
| be up | rise、increase、grow |
| lead the way | lead、drive growth、outperform |
| jump | surge、rise sharply、increase significantly |
| gain | increase、rise、grow |
| primarily due to | mainly because of、largely due to、primarily driven by |
| offset | counteract、compensate for、balance out |
| decline | decrease、fall、drop |
| see | experience、record、report |
| segment | division、business unit |
| acquisition | purchase、takeover |
實用例句
這家公司公布了強勁的營收成長。
營收超越分析師預期。
淨利年增 20%。
這家公司的雲端業務以強勁成長領先。
營收成長主要歸因於需求增加。
這些增長被較高的成本所抵銷。
這家公司營收年減 5%。
