JPMorgan Chase kicked off US banks’ third-quarter earnings season in disappointing fashion on Tuesday afternoon, vowing to find another half a billion dollars of cost cuts as it reported profits that missed market estimates.

周二下午，摩根大通(JPMorgan Chase)令人失望地开启了美国银行第三季度财报季节，该银行承诺将再削减5亿美元成本，因摩根大通报告的利润不及市场预期。按资产衡量，摩根大通是美国最大银行。

Analysts had been expecting a subdued period, with interest income compressed by the continued ultra-easy monetary policy of the US Federal Reserve, and investment banking activity hit by softer markets.

分析师预测这将是个低迷的财报季，美联储(Fed)继续实施的超宽松货币政策压缩了利息收入，同时投行活动受到市场疲软的打击。

In the end, the biggest US bank by assets delivered net income of $6.8bn, or $1.32 a share on an adjusted basis, on revenues about 7 per cent weaker, at $23.5bn. Analysts had expected earnings per share of $1.38, up two cents from a year earlier.

摩根大通报告，净收入为68亿美元，经调整后每股盈利为1.32美元，收入下滑约7%，为235亿美元。分析师原本预测该银行每股收益为1.38美元，同比上涨0.02美元。

Marianne Lake, chief financial officer, said the bank would redouble its efforts to cut expenses, promising to add another $500m to a scheduled $1bn savings programme for 2015. The bulk of the extra cuts — reducing the total cost base to $56.5bn — will come in the consumer and community banking division, according to a person familiar with the situation, as the bank automates more branch processes and cuts staff chasing problem loans.

摩根大通首席财务官玛丽安雷克(Marianne Lake)表示，该银行将加倍努力削减支出，承诺将为2015年10亿美元成本节约计划再增加5亿美元。据知情人士称，大部分新增成本削减（总成本基础将降至565亿美元）将出现在消费者和社区银行业部门，该银行正令更多分支行实现程序自动化并裁减追踪问题贷款的员工。

The unit’s headcount has already fallen by about 10,000 so far this year, and by 40,000 since 2012.

今年迄今，该部门已裁员约1万人，自2012年以来已累计裁员4万人。

Other big US banks are likely to echo JPMorgan’s attention to costs, said John Toohey, head of equities at USAA Investments, which is overweight bank stocks within its $6bn portfolio of equities managed in-house. Now that the huge penalties for mis-selling and misconduct are “largely in the rear-view mirror,” he said, banks need to focus on the humdrum task of “shrinking businesses and shutting down branches.”

USAA Investments股票主管约翰图希(John Toohey)表示，其他美国大型银行可能会仿效摩根大通对成本的关注。他表示，鉴于对违规销售以及不当行为的巨额罚款基本上已告一段落，”银行需要关注“收缩业务以及关闭分支行”这一单调任务。