--- title: "富國銀行的收益得益於消費者和資本市場" description: "富國銀行報告季度利潤增長 9%，達到 56 億美元，超出分析師預期。首席執行官查理·沙夫被任命為董事長，儘管股東反對，仍完成了過渡。該銀行的強勁表現得益於消費和投資銀行業務的增長，總收入為 214 億美元。富國銀行還將其有形普通股權益回報率目標提高至 17%-18%。首席財務官邁克·桑托馬西莫指出，業績持續穩定，信用指標改善，成功歸因於美國經濟的韌性和客户財務健康狀況良好" type: "news" locale: "zh-HK" url: "https://longbridge.com/zh-HK/news/261098701.md" published_at: "2025-10-14T14:30:12.000Z" --- # 富國銀行的收益得益於消費者和資本市場 > 富國銀行報告季度利潤增長 9%，達到 56 億美元，超出分析師預期。首席執行官查理·沙夫被任命為董事長，儘管股東反對，仍完成了過渡。該銀行的強勁表現得益於消費和投資銀行業務的增長，總收入為 214 億美元。富國銀行還將其有形普通股權益回報率目標提高至 17%-18%。首席財務官邁克·桑托馬西莫指出，業績持續穩定，信用指標改善，成功歸因於美國經濟的韌性和客户財務健康狀況良好 - **Bottom line:** Wells Fargo's third quarter profit jumped 9%, eclipsing analysts' expectations by a wide margin. - **Expert quote:** "Wages have kept up with inflation for many folks, and we continue to see unemployment be quite low historically," Chief Financial Officer Mike Santomassimo said. - **Forward look:** Wells Fargo increased its target for return on tangible common equity to 17%-18%, up from its previous 15% guidance Wells Fargo firmly beat third-quarter earnings estimates Tuesday, paced by strong growth in its consumer and investment banking business lines. The San Francisco-based bank reported net income totaling $5.6 billion, up 9% from the same period in 2024. The result equaled $1.66 per share. Analysts had been expecting earnings per share of about $1.54, according to Zacks investment research. Along with its third-quarter earnings, Wells announced that CEO Charlie Scharf has become the company's chairman. The move completed a transition the company first announced in August. It came despite opposition from a shareholder activist group that had urged Wells Fargo to keep the two roles separate. During the third quarter, strength across multiple business lines drove spread income and fee income higher, Scharf said. Total quarterly revenue reached $21.4 billion, a 5% annual increase. "I'm excited about the continued progress we are making on our strategic priorities which is improving our financial performance," Scharf said in a press release. "I am more optimistic than ever about our path forward as we continue to leverage our strong franchise to position us for long-term growth." The gains were not accompanied by credit issues, as Wells Fargo reported declines in both net chargeoffs and nonaccrual loans compared with the same three-month period in 2024. Chief Financial Officer Mike Santomassimo said on a conference call with reporters that Wells Fargo was experiencing "good consistent performance," especially on the consumer side. "We've continued to see higher payments on credit cards than what we had modeled now for a few quarters, we continue to see delinquencies perform better than what we had modeled," Santomassimo said. "The performance has been quite consistent for a number of quarters, and I think it's been good." Auto loan originations totaled $8.8 billion in the third quarter, up from $4.1 billion a year ago. Similarly, credit card spending volume rose 9% from the third quarter in 2024, topping $47 billion. Both Scharf and Santomassimo credited the results to underlying strength in the U.S. economy. "Wages have kept up with inflation for many folks, and we continue to see unemployment be quite low historically," Santomassimo said. Wells Fargo also got boosts from its investment banking, wealth and equities businesses, all of which reported solid annual gains. Revenue from wealth and investment management activities totaled $4.2 billion, up 8% from a year earlier. Meanwhile, both investment banking and equities trading produced double-digit revenue increases — in line with broader, nationwide increases in debt issuances, initial public offerings and merger-and-acquisition transactions, according to Moody's Investment Research. Wells Fargo increased its projections for full-year 2025 noninterest expenses to $54.6 billion, up from the prior $54.2 billion estimate, due in part to higher revenue-linked compensation costs, which Santomassimo called "a good thing." The company maintained its prior net interest income guidance, which called for a full-year total of $47.7 billion. At the same time, it lifted its medium-term return-on-tangible-common-equity target to 17%-18% from its previous 15% guidance. "While some economic uncertainty remains, the U.S. economy has been resilient and the financial health of our clients and customers remains strong," Scharf said in the press release. The three-month period ending Sept. 30 was Wells Fargo's first full quarter since regulators terminated a cap that had limited total assets to $1.95 trillion. The cap had been imposed in 2018 as punishment for the bank's fraudulent accounts scandal. ### Related Stocks - [WFC.US - 富國銀行](https://longbridge.com/zh-HK/quote/WFC.US.md) ## Related News & Research | Title | Description | URL | |-------|-------------|-----| | Arrow Capital Pty Ltd Takes $4.40 Million Position in Wells Fargo & Company $WFC | Arrow Capital Pty Ltd acquired 54,954 shares of Wells Fargo & Company, valued at $4.40 million, making it the fund's 16t | [Link](https://longbridge.com/zh-HK/news/269199395.md) | | ZEGA Investments LLC Acquires New Position in Wells Fargo & Company $WFC | ZEGA Investments LLC has acquired a new position in Wells Fargo & Company, purchasing 7,623 shares valued at approximate | [Link](https://longbridge.com/zh-HK/news/264983058.md) | | Corebridge Financial's Q4 net income falls | Corebridge Financial reported a Q4 net income of $814 million, down from the previous year. 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