<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>早餐新聞：蘋果的人工智能尚未引起興奮</h2>
<p>###2025 年 1 月 17 日</p>
<table>
<thead>
<tr>
<th>週四市場</th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>標準普爾 500</strong><br/>5,937  (-0.21%)</td>
</tr>
<tr>
<td><strong>納斯達克</strong><br/>19,338 (-0.89%)</td>
</tr>
<tr>
<td><strong>道瓊斯</strong><br/>43,153 (-0.16%)</td>
</tr>
<tr>
<td><strong>比特幣</strong><br/>$99,909 (+0.21%)</td>
</tr>
</tbody>
</table>
<p>由於週一市場因馬丁·路德·金紀念日休市，早餐新聞將在 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>來源：JesterAI 創建的圖像。</p>
<h2>1. 蘋果因需求疲軟而下滑</h2>
<p><strong>蘋果</strong>(AAPL -4.04%) 週四下跌 4%，創下五個月以來的最差表現，此前在中國的手機銷售中被擠出第一的位置，跌至第三位，落後於 Vivo 和華為。這一變動是在蘋果供應鏈分析師郭明錤聲稱 “沒有證據表明蘋果人工智能能夠促進硬件更換週期或服務業務” 之後發生的。</p>
<ul>
<li><strong>“蘋果面臨着巨大的期望和大數字法則的雙重壓力”：</strong> Fool 分析師 Seth Jayson 最近提醒投資者，“當每個人都期待超越表現時，令人印象深刻是很困難的。假期季度 iPhone 銷售 reportedly 下降了 5%，如果蘋果人工智能被視為必備的熱門產品，這將是一個驚喜。”</li>
<li><strong>“世界上最粘性的消費品品牌之一”：</strong> Fool 撰稿人 Jason Hall 總結得很好：蘋果的多元產品線和長期技術創新支持其作為全球最有價值公司的地位，估值為 3.4 萬億美元。它目前在 The Motley Fool 的_Moneyball_數據庫中排名第 10，這是我們基於人工智能的系統，用於評估公司的整體實力。</li>
</ul>
<h2>2. 銀行表現強勁</h2>
<p>大型銀行本週公佈了財報，第四季度的財報季節正式開始。<strong>美國銀行</strong>(BAC -0.98%) 連續第四個季度超出盈利預期，各個業務部門表現強勁。首席執行官 Brian Moynihan 談到了 2025 年的持續勢頭。</p>
<ul>
<li><strong>“持續和未來的支出需求可能會導致通貨膨脹”：</strong> <strong>摩根大通</strong>(JPM 0.76%) 首席執行官 Jamie Dimon 警告稱，地緣政治條件 “危險而複雜”，該銀行的盈利超出預期 19%，淨收入同比增長 50%。</li>
<li><strong>200 億美元股票回購，15% 的股息增長：</strong> 並非所有預期都被超越，<strong>富國銀行</strong>(WFC) 在收入上略微低於預期，同比下降 0.5%。該銀行的盈利超出預期，並且今年已向股東返還現金。</li>
</ul>
<h2>3. 主要礦業公司合併？</h2>
<p>彭博社報道，<strong>力拓</strong>(RIO -1.11%) 與 <strong>嘉能可</strong> 就部分或全部業務的合併進行了談判，但尚未達成協議。全面合併將成為該行業有史以來最大的合併之一。</p>
<ul>
<li><strong>“沒有太多意義”：</strong> Wilson Asset Management 的 Matthew Haupt 認為，嘉能可在煤炭方面的暴露是達成協議的障礙，因為力拓正試圖擺脱煤炭，轉向鋰和銅，以滿足因能源需求變化而產生的電池需求。</li>
<li><strong>“儘可能快而猛烈”：</strong> 沙特阿拉伯能源部長在本週的未來礦產論壇上強調了投資關鍵礦產開採的必要性，沙特宣佈了一項新的 1000 億美元礦產投資項目。</li>
</ul>
<h2>4. 接下來：更多銀行新聞</h2>
<p><em>Hidden Gems</em> 推薦的 <strong>Truist Financial</strong>(TFC -0.90%) 將在今天市場開盤前公佈第四季度財報，繼第三季度繼續保持 2024 年超出預期的記錄。</p>
<ul>
<li><strong>需要關注的兩件事：</strong> Truist 之前提到擴展其數字平台，同時將刺激貸款需求視為關鍵挑戰。</li>
<li><strong>數字銀行：</strong> <em>Dividend Investor</em> 推薦的 <strong>Regions Financial</strong>(RF -0.73%)，在數字銀行革命的前沿，也將在今天早上發佈第四季度更新，此前兩個季度均超出預期。該公司的淨利差如何變化可能是關鍵，第三季度已上升至 3.54%。</li>
</ul>
<h2>5. 愚蠢的樂趣</h2>
<p>自 2008 年在_Stock Advisor_中首次推薦以來，蘋果在過去五年中上漲了 190%。在同一時期，標準普爾 500 指數上漲了 78%。</p>
<p>蘋果在未來五年會超越市場嗎？與朋友和家人討論，或者成為會員，聽聽其他 Fool 們的看法！</p>

富國銀行

蘋果

<p>蘋果的股票因中國市場需求疲軟和競爭加劇下跌了 4%，分析師質疑其人工智能對銷售的影響。主要銀行公佈了混合的第四季度財報，銀行美洲超出預期，而富國銀行的收入未達標。力拓和嘉能可正在進行潛在合併的談判，但仍面臨挑戰。即將發佈的財報包括 Truist Financial 和 Regions Financial，重點關注數字擴展和貸款需求。在過去五年中，蘋果的股票價值增長了 190%，表現優於標準普爾 500 指數的 78% 漲幅</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>早餐新聞：蘋果的人工智能尚未引起興奮</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>週四市場</th>
</tr>
</thead>
<tbody>
<tr>
<td><strong>標準普爾 500</strong><br/>5,937  (-0.21%)</td>
</tr>
<tr>
<td><strong>納斯達克</strong><br/>19,338 (-0.89%)</td>
</tr>
<tr>
<td><strong>道瓊斯</strong><br/>43,153 (-0.16%)</td>
</tr>
<tr>
<td><strong>比特幣</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>由於週一市場因馬丁·路德·金紀念日休市，早餐新聞將在 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>來源：JesterAI 創建的圖像。</p>
</div><h2>1. Apple Crumbles on Weaker Demand</h2>
<div class="lb-trans"><h2>1. 蘋果因需求疲軟而下滑</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>蘋果</strong>(AAPL -4.04%) 週四下跌 4%，創下五個月以來的最差表現，此前在中國的手機銷售中被擠出第一的位置，跌至第三位，落後於 Vivo 和華為。這一變動是在蘋果供應鏈分析師郭明錤聲稱 “沒有證據表明蘋果人工智能能夠促進硬件更換週期或服務業務” 之後發生的。</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>“蘋果面臨着巨大的期望和大數字法則的雙重壓力”：</strong> Fool 分析師 Seth Jayson 最近提醒投資者，“當每個人都期待超越表現時，令人印象深刻是很困難的。假期季度 iPhone 銷售 reportedly 下降了 5%，如果蘋果人工智能被視為必備的熱門產品，這將是一個驚喜。”</li>
<li><strong>“世界上最粘性的消費品品牌之一”：</strong> Fool 撰稿人 Jason Hall 總結得很好：蘋果的多元產品線和長期技術創新支持其作為全球最有價值公司的地位，估值為 3.4 萬億美元。它目前在 The Motley Fool 的_Moneyball_數據庫中排名第 10，這是我們基於人工智能的系統，用於評估公司的整體實力。</li>
</ul>
</div><h2>2. Banking Beats</h2>
<div class="lb-trans"><h2>2. 銀行表現強勁</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>大型銀行本週公佈了財報，第四季度的財報季節正式開始。<strong>美國銀行</strong>(BAC -0.98%) 連續第四個季度超出盈利預期，各個業務部門表現強勁。首席執行官 Brian Moynihan 談到了 2025 年的持續勢頭。</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>“持續和未來的支出需求可能會導致通貨膨脹”：</strong> <strong>摩根大通</strong>(JPM 0.76%) 首席執行官 Jamie Dimon 警告稱，地緣政治條件 “危險而複雜”，該銀行的盈利超出預期 19%，淨收入同比增長 50%。</li>
<li><strong>200 億美元股票回購，15% 的股息增長：</strong> 並非所有預期都被超越，<strong>富國銀行</strong>(WFC) 在收入上略微低於預期，同比下降 0.5%。該銀行的盈利超出預期，並且今年已向股東返還現金。</li>
</ul>
</div><h2>3. Major Miner Merger?</h2>
<div class="lb-trans"><h2>3. 主要礦業公司合併？</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>彭博社報道，<strong>力拓</strong>(RIO -1.11%) 與 <strong>嘉能可</strong> 就部分或全部業務的合併進行了談判，但尚未達成協議。全面合併將成為該行業有史以來最大的合併之一。</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>“沒有太多意義”：</strong> Wilson Asset Management 的 Matthew Haupt 認為，嘉能可在煤炭方面的暴露是達成協議的障礙，因為力拓正試圖擺脱煤炭，轉向鋰和銅，以滿足因能源需求變化而產生的電池需求。</li>
<li><strong>“儘可能快而猛烈”：</strong> 沙特阿拉伯能源部長在本週的未來礦產論壇上強調了投資關鍵礦產開採的必要性，沙特宣佈了一項新的 1000 億美元礦產投資項目。</li>
</ul>
</div><h2>4. Next Up: More Banking News</h2>
<div class="lb-trans"><h2>4. 接下來：更多銀行新聞</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> 推薦的 <strong>Truist Financial</strong>(TFC -0.90%) 將在今天市場開盤前公佈第四季度財報，繼第三季度繼續保持 2024 年超出預期的記錄。</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>需要關注的兩件事：</strong> Truist 之前提到擴展其數字平台，同時將刺激貸款需求視為關鍵挑戰。</li>
<li><strong>數字銀行：</strong> <em>Dividend Investor</em> 推薦的 <strong>Regions Financial</strong>(RF -0.73%)，在數字銀行革命的前沿，也將在今天早上發佈第四季度更新，此前兩個季度均超出預期。該公司的淨利差如何變化可能是關鍵，第三季度已上升至 3.54%。</li>
</ul>
</div><h2>5. Foolish Fun</h2>
<div class="lb-trans"><h2>5. 愚蠢的樂趣</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_中首次推薦以來，蘋果在過去五年中上漲了 190%。在同一時期，標準普爾 500 指數上漲了 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>蘋果在未來五年會超越市場嗎？與朋友和家人討論，或者成為會員，聽聽其他 Fool 們的看法！</p>
</div>

Breakfast News: Apple's AI Yet To Excite

- 蘋果因需求疲軟下跌 4%，失去中國手機銷售第一位。  
- 大銀行第四季度業績強勁，摩根大通淨收入同比增長 50%。  
- 力拓與嘉能可談判合併，未達成協議，面臨煤炭業務挑戰。  

早餐新聞：蘋果的人工智能尚未引起市場的興奮