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????杰米?戴蒙再次大顯神通。問題是這位首席執(zhí)行官的魔力還能在摩根大通（JPMorgan Chase）持續(xù)多久,。

????摩根大通今年前三個(gè)月實(shí)現(xiàn)凈利潤54億美元,，部分得益于利率下降為按揭部門創(chuàng)造的數(shù)億美元超額利潤。每股收益1.31美元,，高于分析師此前預(yù)測的1.15美元,。

????4月13日早間，富國銀行（Wells Fargo）也宣布,，同樣也是因?yàn)榈靡嬗诎唇忆N售增加,，今年一季度凈利潤同比小幅上升至42億美元。另外,，當(dāng)季新增壞賬減少了9%,。同摩根大通一樣，富國銀行的業(yè)績也好于預(yù)期,。摩根大通和富國銀行是最先發(fā)布季報(bào)的兩家大銀行,，由此看來，至少銀行業(yè)目前的狀況正在改善,。

????不過,，摩根大通的凈利潤較上年同期的56億美元下降了3%。而且,，有跡象顯示,，這家美國最大的銀行未來可能還會(huì)有麻煩。摩根大通增加了22億美元的撥備,，用于支付未來的訴訟費(fèi)用,。該公司表示,，增加的這部分成本主要涉及按揭業(yè)務(wù)。

????一位分析師在摩根大通的電話會(huì)議上稱,，該公司對(duì)止贖預(yù)期過于樂觀,。法國農(nóng)業(yè)信貸銀行（Credit Agricole）分析師邁克?梅奧質(zhì)疑在利率這么低的情況下，摩根大通開設(shè)分支機(jī)構(gòu)能否繼續(xù)賺錢,。摩根大通高管稱,，公司按揭業(yè)務(wù)超額利潤可能是暫時(shí)的。戴蒙稱,，他預(yù)計(jì)摩根大通住房貸款業(yè)務(wù)“成本和支出保持高位”的狀況還將“持續(xù)一段時(shí)間”,。4月13日午盤，摩根大通股價(jià)下跌近了3%,，降到了43.58美元,。

????不管如何，摩根大通還是發(fā)布了很多好消息,。一季度實(shí)現(xiàn)營收274億美元,，較2011年四季度環(huán)比激增24%，較上年同期增長了6%,。期間,，零售和銀行業(yè)務(wù)銷售躍升了40%，從而帶來了這些積極的變化,。摩根大通稱,，利率下降吸引消費(fèi)者對(duì)住房貸款進(jìn)行再融資，美國政府的“房貸可負(fù)擔(dān)再融資計(jì)劃”（Home Affordable Refinance Program）也使該公司獲益,。信用卡業(yè)務(wù)銷售增長,，沖銷貸款減少。另外,，摩根大通還將信用卡損失撥備減少了9,600萬美元,，增加了信用卡部門的利潤。消費(fèi)者和企業(yè)存款均增長了8%,。

????雖然交易利潤較四季度環(huán)比顯著增長,，但這個(gè)部門的業(yè)績增長部分被投行業(yè)務(wù)盈利和收入同比雙降所抵消。很多觀察人士說過,，今年華爾街盈利有望改善。摩根大通稱,，按費(fèi)用計(jì),，摩根大通已經(jīng)是美國第一大投行。

????摩根大通首席執(zhí)行官戴蒙稱,，他對(duì)業(yè)績感到滿意,，該公司持續(xù)加強(qiáng)其“穩(wěn)固的資產(chǎn)負(fù)債表”,。他還說，他相信住房市場已經(jīng)觸底,，摩根大通預(yù)計(jì)今年止贖量將下降也反映了這一點(diǎn),。在季報(bào)電話會(huì)議上，摩根大通首席財(cái)務(wù)官道格拉斯?布朗斯坦被問道有關(guān)公司首席投資辦公室正在進(jìn)行大筆高風(fēng)險(xiǎn)投資的報(bào)告,。布朗斯坦表示,，這些交易是出于對(duì)沖考慮，而且他相信根據(jù)沃克爾規(guī)則（Volcker Rule）, 這些交易是可以進(jìn)行的,。沃克爾規(guī)則是多德弗蘭克金融改革法案的一部分,，但尚未開始實(shí)施。戴蒙稱：“我們整個(gè)批發(fā)業(yè)務(wù)的信貸趨勢穩(wěn)定,，而且還在持續(xù)加強(qiáng),。”

????譯者：早稻米

????Jamie Dimon pulled another rabbit out of his hat. The question is how much longer the CEO can continue to make magic at JPMorgan Chase.

????JPMorgan (JPM) earned $5.4 billion in the first three months of the year, driven in part by lower interest rates that produced hundreds of millions of dollars of excess profits in its mortgage division. On a per share basis, JPMorgan's bottom line came in at $1.31 in earnings. Analysts had been predicting the company would earn $1.15 per share.

????Also on Friday morning, Wells Fargo (WFC) said its earnings in the first quarter of the year rose slightly from a year ago to $4.2 billion, also boosted by an uptick in its mortgage sales. The company also said 9% fewer loans went bad in the quarter. Like with JPMorgan, Well's results were better than expected. JP Morgan and Wells Fargo are the first two of the large banks to report earnings to investors, signalling that at least for now, things seem to be improving in the banking sector.

????Still, JPMorgan's bottom line fell 3% from the $5.6 billion the company produced in profits in the same period a year ago. And there were some signs that problems might be ahead for the nation's biggest bank. JPMorgan added $2.2 billion to the money it puts aside to pay for future litigation expenses. The company said much of the addition costs were related to its mortgage operations.

????On the company's conference call, one analyst said the company's foreclosure expectations were too optimistic. Mike Mayo, an analyst at Credit Agricole Securities, questioned whether the company could continue to make money opening branches with interest rates so low. JPMorgan executives said the company's excess mortgage profits were likely temporary. Dimon said he expects JPMorgan to have "elevated levels of costs and expenses" in its home loan division for "a while longer." What's more, at mid-day, JPMorgan's shares had fallen nearly 3% to $43.58.

????Nonetheless, there was a lot of good news at JPMorgan. Revenue in the first quarter was $27.4 billion, which was 24% higher than in the last three months of 2011, and 6% more than what it had in sales a year ago. The positive results were driven by its retail and banking division, where sales jumped 40%. JPMorgan said lower rates encouraged customers to refinancing their home loans, and that it benefited as well from the government's Home Affordable Refinance Program. In credit cards, sales were up and the company wrote off fewer loans. The company also lowered its provision for card losses by $96 million, which also added to the division's bottom line. Deposits for both consumers and businesses were up 8%.

????The gains in that division were partly offset by a drop in earnings and revenue in the company's investment banking division from a year ago, though trading profits were up significantly from the fourth quarter. A number of observers have said that profits appear to improving on Wall Street this year. The company said it ranked as the number one investment bank in the country by fees.

????CEO Dimon said he was pleased with the results and that the company has continued to strengthen its "fortress balance sheet." He said he believe housing bottomed, and that his firm's expectation that foreclosures would drop over the course of the year reflected that. On the conference call, JPMorgan's CFO Douglas Braunstein was asked about reports that the bank is making large risky bets in its chief investment office. Braunstein said that the trading was hedging purposes and he believed it would be allowed under the Volcker Rule, which was passed as part of the Dodd-Frank financial regulator reform, but has not been implemented. Said Dimon, "Credit trends across our wholesale portfolios were stable and continued to be strong."