Goldman Sachs, investigata de Rezerva Federala - 21 ianuarie 2023: Diferență între versiuni

<p>Potrivit unui [https://www.wsj.com/articles/federal-reserve-probes-goldman-consumer-business-11674232252 material] exclusiv WSJ, Goldman Sachs este investigata de Rezerva Federala. Controlul priveste divizia de retail banking, cunoscuta sub denumirea de [https://www.wsj.com/articles/goldmans-new-name-to-beckon-consumers-marcus-1471571867 Marcus], si probeaza adecvarea masurilor de siguranta si a procedurilor de compliance in conditiile unei cresteri accelerate a creditarii.</p><p>In paralel, business-ul de carduri de credit al Goldman Sachs [https://www.wsj.com/articles/cfpb-is-investigating-goldman-sachss-credit-card-practices-11659640285 este] investigata inca din vara anului trecut de Consumer Financial Protections Bureau (CFSB).</p><p>Goldman Sachs incearca de cativa ani sa intre in aria retail banking, dominata de JPMorgan Chase si Bank of America, inclusiv prin colaborari cu Apple si General Motors. Pana acum, rezultatele au fost deceptionante: eforturile bancii [https://www.wsj.com/articles/goldman-sachs-lost-3-billion-on-consumer-lending-push-11673616202 au generat] o pierdere cumulata de circa 3 mld. USD din 2020 incoace, din care pierderea generata pe filiera Apple Card [https://9to5mac.com/2023/01/13/apple-card-billion-dollars-plus-loss/ a depasit] 1 mld. USD.</p><p>In trimestrul 4 al anului trecut, Goldman Sachs [https://www.cnbc.com/2023/01/17/goldman-sachs-fourth-quarter-results-are-coming-what-the-street-expects.html#:~:text=Goldman%20said%20quarterly%20profit%20plunged%2066%25%20from%20a%20year%20earlier%20to%20%241.33%20billion%2C%20or%20%243.32%20per%20share%2C%20about%2039%25%20below%20the%20consensus%20estimate.%20That%20made%20for%20the%20largest%20EPS%20miss%20since%20October%202011%2C%20according%20to%20Refinitiv%20data. a inregistrat] un profit net de 1.33 mld. USD, mai mic cu 66% fata de perioada similara din 2021. Veniturile totale [https://www.cnbc.com/2023/01/17/goldman-sachs-fourth-quarter-results-are-coming-what-the-street-expects.html#:~:text=Revenue%20held%20up%20better%2C%20at%20%2410.59%20billion%2C%20down%2016%25%20from%20a%20year%20earlier%20and%20just%20below%20the%20estimate. au fost] de 10.59 mld. USD, mai mici cu 16% fata de aceeasi perioada de comparatie. Provizioanele constituite pentru acoperirea unor pierderi potentiale [https://www.cnbc.com/2023/01/17/goldman-sachs-fourth-quarter-results-are-coming-what-the-street-expects.html#:~:text=Another%20reason%20results,for%20the%20quarter. au fost] de 972 mil. USD, de aproape 3x mai mari decat in aceeasi perioada de comparatie (si cu 50% mai mari decat cifra estimata de analisti).</p><p>(US.GS) (US.JPM) (US.BAC) (US.C) (US.WFC)</p>