金吾财讯 | 房利美（FNMA）公布第二季度经营业绩，整体盈利实现稳健增长，当期净利润达40亿美元，环比增长7%、同比增长20%，净收入录得76亿美元，环比提升4%，期末净资产规模突破1160亿美元。机构核心担保业务表现稳健，贡献近八成总净收入，平均担保资产规模达4.1万亿美元，担保费收入超60亿美元，投资组合收入环比增长12%。公司持续赋能住房市场，单季向抵押贷款市场注入1250亿美元流动性，惠及41.7万户家庭，同时通过评估优化方案为家庭节省交易成本4500万美元，历年累计节省金额超30亿美元。本季度公司运营效率持续优化，行政费用率降至10.7%，非利息支出环比下降5%，预期回报率环比提升40个基点至10.8%。财报同时体现多项经营压力，当期计提信贷损失准备金2.26亿美元，多户住宅业务准备金增加1.02亿美元，叠加可供出售投资组合录得1.5亿美元未实现净亏损，一定程度对冲盈利增量。业务端分化明显，独栋住宅、多户住宅净利润分别环比增长3%、29%。机构提示，多户住宅市场承压或将推高违约风险，后续将优化利率风险管理与资产负债表配置，严控组合风险。
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.