美国三大银行在第三季度创下贷款收入新纪录，客户在利率上升的情况下仍继续借贷。
Three of the biggest US banks set a fresh record in the third quarter for how much they earned from lending, with customers continuing to borrow even as interest rates increased.
摩根大通、花旗集团和富国银行周二报告称，合计净利息收入达565亿美元，创五个季度连续新高。摩根大通预测，2027年净利息收入将更高。
By Yizhu Wang JPMorgan Chase & Co., Citigroup Inc. and Wells Fargo & Co. on Tuesday reported a combined $56.5 billion of net interest income in the period, setting a new high-water mark for a fifth straight quarter. JPMorgan predicted that NII will be even higher in 2027.
这一前景与今年早些时候形成显著转变，当时银行预期利率将下降，而惊人的交易收入吸引了大部分投资者注意力，掩盖了从贷款和其他计息资产中赚钱的传统业务。
That outlook represents a significant shift from earlier this year, when banks expected interest rates to drop and blockbuster trading hauls grabbed most of investors’ attention. That overshadowed the more traditional business of earning money from loans and other interest-bearing assets.
银行还认为，消费者和企业将保持偿还贷款的能力。三家公司均报告所谓非应计贷款减少——即这些贷款的利息收入不再被确认。美国银行将于周三公布第三季度业绩。
Banks also see consumers and businesses maintaining their ability keep up with loan payments. All three companies reported fewer so-called non-accrual loans, those from which the firms stop recognizing interest income. Bank of America Corp. is set to reported third-quarter results on Wednesday.
然而，在地缘政治不确定因素的影响下，包括乌克兰和中东战争、顽固通胀和高油价，贷款方仍保持谨慎。
Still, the lenders are remaining cautious amid an array of geopolitical uncertainties, including wars in Ukraine and the Middle East, stubborn inflation and elevated oil prices.
摩根大通首席财务官杰里米·巴纳姆周二表示：“我们只是在确保真的把一切都清理干净。各种不同机制都在动用资本，我们只需要真正、真正地紧抓事情，以确保没有遗漏。”
JPMorgan is “just making sure we’re really scrubbing everything,” Chief Financial Officer Jeremy Barnum said Tuesday. “There’s capital being tapped through all kinds of different mechanisms, we just need to be really, really on top of things to make sure that nothing slips through.”