<p><img src="https://imageproxy.pbkrs.com/https://m.foolcdn.com/media/dubs/images/email-header-breakfast-news.max-800x600.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://m.foolcdn.com/media/dubs/images/email-header-breakfast-news.max-800x600.png"/></p>
<h2>早餐新闻：苹果的人工智能尚未引起兴奋</h2>
<p>###2025 年 1 月 17 日</p>
<table>
<thead>
<tr>
<th>周四市场</th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>标准普尔 500</strong><br/>5,937  (-0.21%)</td>
</tr>
<tr>
<td><strong>纳斯达克</strong><br/>19,338 (-0.89%)</td>
</tr>
<tr>
<td><strong>道琼斯</strong><br/>43,153 (-0.16%)</td>
</tr>
<tr>
<td><strong>比特币</strong><br/>$99,909 (+0.21%)</td>
</tr>
</tbody>
</table>
<p>由于周一市场因马丁·路德·金纪念日休市，早餐新闻将在 1 月 21 日（星期二）重新回到您的收件箱。</p>
<p><img src="https://imageproxy.pbkrs.com/https://braze-images.com/appboy/communication/assets/image_assets/images/678a4556b205f90063a05c74/original.png/query-MTczNzExNDk2NQ?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://braze-images.com/appboy/communication/assets/image_assets/images/678a4556b205f90063a05c74/original.png/query-MTczNzExNDk2NQ"/></p>
<p>来源：JesterAI 创建的图像。</p>
<h2>1. 苹果因需求疲软而下滑</h2>
<p><strong>苹果</strong>(AAPL -4.04%) 周四下跌 4%，创下五个月以来的最差表现，此前在中国的手机销售中被挤出第一的位置，跌至第三位，落后于 Vivo 和华为。这一变动是在苹果供应链分析师郭明錤声称 “没有证据表明苹果人工智能能够促进硬件更换周期或服务业务” 之后发生的。</p>
<ul>
<li><strong>“苹果面临着巨大的期望和大数字法则的双重压力”：</strong> Fool 分析师 Seth Jayson 最近提醒投资者，“当每个人都期待超越表现时，令人印象深刻是很困难的。假期季度 iPhone 销售 reportedly 下降了 5%，如果苹果人工智能被视为必备的热门产品，这将是一个惊喜。”</li>
<li><strong>“世界上最粘性的消费品品牌之一”：</strong> Fool 撰稿人 Jason Hall 总结得很好：苹果的多元产品线和长期技术创新支持其作为全球最有价值公司的地位，估值为 3.4 万亿美元。它目前在 The Motley Fool 的_Moneyball_数据库中排名第 10，这是我们基于人工智能的系统，用于评估公司的整体实力。</li>
</ul>
<h2>2. 银行表现强劲</h2>
<p>大型银行本周公布了财报，第四季度的财报季节正式开始。<strong>美国银行</strong>(BAC -0.98%) 连续第四个季度超出盈利预期，各个业务部门表现强劲。首席执行官 Brian Moynihan 谈到了 2025 年的持续势头。</p>
<ul>
<li><strong>“持续和未来的支出需求可能会导致通货膨胀”：</strong> <strong>摩根大通</strong>(JPM 0.76%) 首席执行官 Jamie Dimon 警告称，地缘政治条件 “危险而复杂”，该银行的盈利超出预期 19%，净收入同比增长 50%。</li>
<li><strong>200 亿美元股票回购，15% 的股息增长：</strong> 并非所有预期都被超越，<strong>富国银行</strong>(WFC) 在收入上略微低于预期，同比下降 0.5%。该银行的盈利超出预期，并且今年已向股东返还现金。</li>
</ul>
<h2>3. 主要矿业公司合并？</h2>
<p>彭博社报道，<strong>力拓</strong>(RIO -1.11%) 与 <strong>嘉能可</strong> 就部分或全部业务的合并进行了谈判，但尚未达成协议。全面合并将成为该行业有史以来最大的合并之一。</p>
<ul>
<li><strong>“没有太多意义”：</strong> Wilson Asset Management 的 Matthew Haupt 认为，嘉能可在煤炭方面的暴露是达成协议的障碍，因为力拓正试图摆脱煤炭，转向锂和铜，以满足因能源需求变化而产生的电池需求。</li>
<li><strong>“尽可能快而猛烈”：</strong> 沙特阿拉伯能源部长在本周的未来矿产论坛上强调了投资关键矿产开采的必要性，沙特宣布了一项新的 1000 亿美元矿产投资项目。</li>
</ul>
<h2>4. 接下来：更多银行新闻</h2>
<p><em>Hidden Gems</em> 推荐的 <strong>Truist Financial</strong>(TFC -0.90%) 将在今天市场开盘前公布第四季度财报，继第三季度继续保持 2024 年超出预期的记录。</p>
<ul>
<li><strong>需要关注的两件事：</strong> Truist 之前提到扩展其数字平台，同时将刺激贷款需求视为关键挑战。</li>
<li><strong>数字银行：</strong> <em>Dividend Investor</em> 推荐的 <strong>Regions Financial</strong>(RF -0.73%)，在数字银行革命的前沿，也将在今天早上发布第四季度更新，此前两个季度均超出预期。该公司的净利差如何变化可能是关键，第三季度已上升至 3.54%。</li>
</ul>
<h2>5. 愚蠢的乐趣</h2>
<p>自 2008 年在_Stock Advisor_中首次推荐以来，苹果在过去五年中上涨了 190%。在同一时期，标准普尔 500 指数上涨了 78%。</p>
<p>苹果在未来五年会超越市场吗？与朋友和家人讨论，或者成为会员，听听其他 Fool 们的看法！</p>

富国银行

苹果

<p>苹果的股票因中国市场需求疲软和竞争加剧下跌了 4%，分析师质疑其人工智能对销售的影响。主要银行公布了混合的第四季度财报，银行美洲超出预期，而富国银行的收入未达标。力拓和嘉能可正在进行潜在合并的谈判，但仍面临挑战。即将发布的财报包括 Truist Financial 和 Regions Financial，重点关注数字扩展和贷款需求。在过去五年中，苹果的股票价值增长了 190%，表现优于标准普尔 500 指数的 78% 涨幅</p>

<p><img src="https://imageproxy.pbkrs.com/https://m.foolcdn.com/media/dubs/images/email-header-breakfast-news.max-800x600.png" alt="" original-src="https://m.foolcdn.com/media/dubs/images/email-header-breakfast-news.max-800x600.png"/></p>
<h2>Breakfast News: Apple's AI Yet To Excite</h2>
<div class="lb-trans"><h2>早餐新闻：苹果的人工智能尚未引起兴奋</h2>
</div><h3>January 17, 2025</h3>
<div class="lb-trans"><p>###2025 年 1 月 17 日</p>
</div><table>
<thead>
<tr>
<th>Thursday's Markets</th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>S&amp;P 500</strong><br/>5,937  (-0.21%)</td>
</tr>
<tr>
<td><strong>Nasdaq</strong><br/>19,338 (-0.89%)</td>
</tr>
<tr>
<td><strong>Dow</strong><br/>43,153 (-0.16%)</td>
</tr>
<tr>
<td><strong>Bitcoin</strong><br/>$99,909 (+0.21%)</td>
</tr>
</tbody>
</table>
<div class="lb-trans"><table>
<thead>
<tr>
<th>周四市场</th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>标准普尔 500</strong><br/>5,937  (-0.21%)</td>
</tr>
<tr>
<td><strong>纳斯达克</strong><br/>19,338 (-0.89%)</td>
</tr>
<tr>
<td><strong>道琼斯</strong><br/>43,153 (-0.16%)</td>
</tr>
<tr>
<td><strong>比特币</strong><br/>$99,909 (+0.21%)</td>
</tr>
</tbody>
</table>
</div><p>With markets closed on Monday for Martin Luther King Jr. Day, Breakfast News will be back in your inbox on Tuesday, 21 January.</p>
<div class="lb-trans"><p>由于周一市场因马丁·路德·金纪念日休市，早餐新闻将在 1 月 21 日（星期二）重新回到您的收件箱。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://braze-images.com/appboy/communication/assets/image_assets/images/678a4556b205f90063a05c74/original.png/query-MTczNzExNDk2NQ" alt="" original-src="https://braze-images.com/appboy/communication/assets/image_assets/images/678a4556b205f90063a05c74/original.png?1737114965"/></p>
<p>Source: Image created by JesterAI.</p>
<div class="lb-trans"><p>来源：JesterAI 创建的图像。</p>
</div><h2>1. Apple Crumbles on Weaker Demand</h2>
<div class="lb-trans"><h2>1. 苹果因需求疲软而下滑</h2>
</div><p><strong>Apple</strong>(AAPL -4.04%) fell 4% on Thursday for its worst day in five months, after being knocked off the top spot for mobile phones sales in China, falling into third place behind Vivo and Huawei. The move follows Apple supply chain analyst Ming-Chi Kuo claiming &#34;There is no evidence of Apple Intelligence's ability to benefit hardware replacement cycles or service business.&#34;</p>
<div class="lb-trans"><p><strong>苹果</strong>(AAPL -4.04%) 周四下跌 4%，创下五个月以来的最差表现，此前在中国的手机销售中被挤出第一的位置，跌至第三位，落后于 Vivo 和华为。这一变动是在苹果供应链分析师郭明錤声称 “没有证据表明苹果人工智能能够促进硬件更换周期或服务业务” 之后发生的。</p>
</div><ul>
<li><strong>&#34;Apple suffers from both great expectations and the law of big numbers&#34;:</strong> Fool analyst Seth Jayson recently reminded investors &#34;It's tough to impress when everyone expects outperformance all the time. iPhone sales are reportedly down 5% for the holiday quarter, something that would be a surprise if Apple Intelligence were seen as a must-have, hit product.&#34;</li>
<li><strong>&#34;</strong> <strong>One of the stickiest consumer product brands in the world</strong> <strong>&#34;:</strong> Fool contributor Jason Hall summed it up well: Apple's multiple product streams and long-term technical innovation supports its position as the world's most valuable company, valued at $3.4 trillion. It's currently no. 10 in The Motley Fool's <em>Moneyball</em> database, our AI-driven system that ranks companies' overall strength.</li>
</ul>
<div class="lb-trans"><ul>
<li><strong>“苹果面临着巨大的期望和大数字法则的双重压力”：</strong> Fool 分析师 Seth Jayson 最近提醒投资者，“当每个人都期待超越表现时，令人印象深刻是很困难的。假期季度 iPhone 销售 reportedly 下降了 5%，如果苹果人工智能被视为必备的热门产品，这将是一个惊喜。”</li>
<li><strong>“世界上最粘性的消费品品牌之一”：</strong> Fool 撰稿人 Jason Hall 总结得很好：苹果的多元产品线和长期技术创新支持其作为全球最有价值公司的地位，估值为 3.4 万亿美元。它目前在 The Motley Fool 的_Moneyball_数据库中排名第 10，这是我们基于人工智能的系统，用于评估公司的整体实力。</li>
</ul>
</div><h2>2. Banking Beats</h2>
<div class="lb-trans"><h2>2. 银行表现强劲</h2>
</div><p>Big banks reported this week, as Q4 earnings season gets underway. <strong>Bank of America</strong>(BAC -0.98%) beat earnings estimates for the fourth quarter in a row, with strong performance across its segments. CEO Brian Moynihan spoke of continuing momentum into 2025.</p>
<div class="lb-trans"><p>大型银行本周公布了财报，第四季度的财报季节正式开始。<strong>美国银行</strong>(BAC -0.98%) 连续第四个季度超出盈利预期，各个业务部门表现强劲。首席执行官 Brian Moynihan 谈到了 2025 年的持续势头。</p>
</div><ul>
<li><strong>&#34;Ongoing and future spending requirements will likely be inflationary&#34;:</strong> <strong>JPMorgan</strong>(JPM 0.76%) CEO Jamie Dimon warned of &#34;dangerous and complicated&#34; geopolitical conditions, as the bank posted a 19% beat on earnings with net income climbing 50% year over year.</li>
<li><strong>$20 billion stock buyback, 15% dividend rise:</strong> Not all expectations were beaten, as <strong>Wells Fargo</strong>(WFC) fell slightly short on revenue with a 0.5% year-over-year fall. The bank did beat earnings estimates, and has returned cash to shareholders this year.</li>
</ul>
<div class="lb-trans"><ul>
<li><strong>“持续和未来的支出需求可能会导致通货膨胀”：</strong> <strong>摩根大通</strong>(JPM 0.76%) 首席执行官 Jamie Dimon 警告称，地缘政治条件 “危险而复杂”，该银行的盈利超出预期 19%，净收入同比增长 50%。</li>
<li><strong>200 亿美元股票回购，15% 的股息增长：</strong> 并非所有预期都被超越，<strong>富国银行</strong>(WFC) 在收入上略微低于预期，同比下降 0.5%。该银行的盈利超出预期，并且今年已向股东返还现金。</li>
</ul>
</div><h2>3. Major Miner Merger?</h2>
<div class="lb-trans"><h2>3. 主要矿业公司合并？</h2>
</div><p>Bloomberg reports <strong>Rio Tinto</strong>(RIO -1.11%) has been in talks with <strong>Glencore</strong> about a merger of part or all of the two businesses, though no deal was reached. A full merger would be one of the biggest ever in the sector.</p>
<div class="lb-trans"><p>彭博社报道，<strong>力拓</strong>(RIO -1.11%) 与 <strong>嘉能可</strong> 就部分或全部业务的合并进行了谈判，但尚未达成协议。全面合并将成为该行业有史以来最大的合并之一。</p>
</div><ul>
<li><strong>&#34;Didn't make a lot of sense&#34;:</strong> Matthew Haupt at Wilson Asset Management sees Glencore's exposure to coal as a hurdle to a deal, as Rio is trying to move out of coal and toward lithium and copper to satisfy battery demand arising from changing energy needs.</li>
<li><strong>&#34;As fast and furious as possible&#34;:</strong> Saudi Arabia's energy minister stressed the need to invest in critical minerals mining at the Future Minerals Forum in Riyadh this week, as the kingdom announced a new $100 billion mineral investment project.</li>
</ul>
<div class="lb-trans"><ul>
<li><strong>“没有太多意义”：</strong> Wilson Asset Management 的 Matthew Haupt 认为，嘉能可在煤炭方面的暴露是达成协议的障碍，因为力拓正试图摆脱煤炭，转向锂和铜，以满足因能源需求变化而产生的电池需求。</li>
<li><strong>“尽可能快而猛烈”：</strong> 沙特阿拉伯能源部长在本周的未来矿产论坛上强调了投资关键矿产开采的必要性，沙特宣布了一项新的 1000 亿美元矿产投资项目。</li>
</ul>
</div><h2>4. Next Up: More Banking News</h2>
<div class="lb-trans"><h2>4. 接下来：更多银行新闻</h2>
</div><p><em>Hidden Gems</em> recommendation <strong>Truist Financial</strong>(TFC -0.90%) reports Q4 earnings before today's market bell, following on from a third quarter that continued the company's 2024 record of beating estimates.</p>
<div class="lb-trans"><p><em>Hidden Gems</em> 推荐的 <strong>Truist Financial</strong>(TFC -0.90%) 将在今天市场开盘前公布第四季度财报，继第三季度继续保持 2024 年超出预期的记录。</p>
</div><ul>
<li><strong>Two things to watch for:</strong> Truist previously spoke of expanding its digital platforms, while seeing stimulating loan demand as a key challenge.</li>
<li><strong>Digital bank:</strong> <em>Dividend Investor</em> rec <strong>Regions Financial</strong>(RF -0.73%), at the forefront of the digital banking revolution, will also post a Q4 update this morning after beats in the past two quarters. How the company's net interest margin goes could be key, after rising to 3.54% in Q3.</li>
</ul>
<div class="lb-trans"><ul>
<li><strong>需要关注的两件事：</strong> Truist 之前提到扩展其数字平台，同时将刺激贷款需求视为关键挑战。</li>
<li><strong>数字银行：</strong> <em>Dividend Investor</em> 推荐的 <strong>Regions Financial</strong>(RF -0.73%)，在数字银行革命的前沿，也将在今天早上发布第四季度更新，此前两个季度均超出预期。该公司的净利差如何变化可能是关键，第三季度已上升至 3.54%。</li>
</ul>
</div><h2>5. Foolish Fun</h2>
<div class="lb-trans"><h2>5. 愚蠢的乐趣</h2>
</div><p>First recommended in <em>Stock Advisor</em> back in 2008, Apple is up 190% over the last 5 years. Across the same period, the S&amp;P 500 is up 78%.</p>
<div class="lb-trans"><p>自 2008 年在_Stock Advisor_中首次推荐以来，苹果在过去五年中上涨了 190%。在同一时期，标准普尔 500 指数上涨了 78%。</p>
</div><p>Will Apple be a market-beater over the next 5 years? Debate with friends and family, or become a member to hear what your fellow Fools are saying!</p>
<div class="lb-trans"><p>苹果在未来五年会超越市场吗？与朋友和家人讨论，或者成为会员，听听其他 Fool 们的看法！</p>
</div>

Breakfast News: Apple's AI Yet To Excite

- 苹果因需求疲软下跌 4%，失去中国手机销售第一位。  
- 大银行第四季度业绩强劲，摩根大通净收入同比增长 50%。  
- 力拓与嘉能可谈判合并，未达成协议，面临煤炭业务挑战。  

早餐新闻：苹果的人工智能尚未引起市场的兴奋