美國兩家大銀行最新發布的季報顯示，得益于住房市場回暖帶動信貸質量改善，利潤增長好于預期，但兩家銀行高管都預計業績高增長將在政策福利效應減弱中結束，摩根大通已經通過減少員工薪酬來應付經營下降風險。
The bank has cut compensation per employee at its investment bank by 6.9% so far this year，roughly matching a decline of 7% in revenue for the business through the first nine months of the year.
今年迄今，摩根大通銀行已經將其投資銀行部門雇員的平均薪酬下調了6.9%，此舉可抵該銀行投資銀行部門今年前9個月7%的營收下滑。(《華爾街日報》)
The largest U.S. bank by assets has allocated $7 billion in compensation for the unit year to date，down 9% from a year earlier. On average，J.P.Morgan has earmarked $269，703 in compensation per investment banking employee so far in 2012，down from $289，611，a year ago.
這家美國資產規模最大的銀行今年迄今共撥備了70億美元用于支付雇員薪酬，較上年同期的77億美元下降9%。平均來說，2012年迄今，摩根大通為每個投資銀行部門雇員撥備的薪酬為26.9703萬美元，低于上年同期的28.9611萬美元。(《華爾街日報》)
Earlier this week，New York State Comptroller Thomas DiNapoli projected that the securities industry‘s cash bonus pool would fall for the second straight year.
本周早些時候，紐約總審計長迪拿波里預期證券行業的現金紅利池將可能連續第二年下降。他表示，包括紅利在內，紐約州證券行業雇員在2011年獲得的平均薪酬為36.2950萬美元，該數據較上年仍增長0.5%，這是紐約地區主要行業雇員的最高平均薪酬。(MarketWatch)
Wells Fargo & Co.’s (WFC) third-quarter profit jumped 22% as the nation‘s fourth-largest bank by assets saw revenue and mortgage income pop，while credit strengthened.
美國第四大銀行富國銀行發布的財報顯示，得益于營收與抵押貸款收入的大幅增長，以及信貸質量的持續改善，其第三季凈盈利增長22%。但富國銀行同時表示，目前的經濟和低利率環境仍然對銀行業的盈利前景構成挑戰。(道瓊斯)
“Underlying credit quality continued to show improvement in the third quarter，as the overall financial condition of businesses and consumers strengthened，the housing market in many areas of the nation improved，and we continued to work to reduce problem assets and make new，high quality loans，”Chief Risk Officer Mike Loughlin said.
該行(富國)首席風險官麥克-洛克林表示：“隨著企業和消費者整體財務狀況的加強，以及多個地區住宅市場的改善，我們的信貸質量持續顯示出改善跡象。我們將繼續努力削減問題資產，并發放新的高質量貸款。”(道瓊斯）