如果沒有特殊狀況！
年底看起來不會太差
15家上市櫃金控今(2014)年10月獲利全數出爐，在股利進帳告一段落後，金控10月獲利回歸正常水準，1-10稅後獲利合計達2718.4億元，較去年同期大幅成長超過50%，續創歷史新高紀錄。累計1-10月除了富邦金 (2881) 獲利衝破500億元、國泰金 (2882) 超越400億元外，整體來說，已有9家金控的累計盈餘達百億元之上，預估今年有12家金控獲利可破百億元。
截至10月底為止，華南金10月也加入百億元俱樂部，累計已有9家金控獲利破百億元，富邦金突破500億元、國泰金突破400億元，若無意外，玉山金、開發金、合庫金今年都可望突破百億元，也就是說，年底前至少有12家金控進入獲利百億元俱樂部。
富邦金勇奪「三冠王」 中信金認列東京之星呆帳迴轉
富邦金自結10月稅後盈餘達30.08億元，累計今年1-10月稅後盈餘達565.90億元，較去年同期成長89%，每股盈餘(EPS) 為5.53元，稅後盈餘及每股盈餘雙雙再創歷史新高，其中，重要子公司富邦人壽前10月稅後盈餘達325.28億元，與去年同期相較大幅成長79%，同 時，初年度保費收入(FYP)達1,709億元，總保費收入(TP)達3570億元，較去年同期成長7%，維持市場領先地位。富邦金10月單月、累計前10月獲利及EPS等三項獲利指標，都居全體金控之冠，勇奪「三冠王」。
國泰金自結10月稅後淨利22.0億元，累計稅後淨利469.5億元，前10月獲利續創新高，其中，國泰人壽10月增提外匯價格變動準備金近10億元，整體外匯價格變動準備金逾140億元，單月稅後淨利為7.9億元，累計稅後淨利超過300億，達301.6億元。
中信金 (2891) 因為10月受到東京之星銀行認列大額呆帳迴轉與不良債權回收利益，及中信銀行因應放款大幅成長增提1%提存，以致整體獲利表現較上月衰退，單月稅後盈餘為7.91億元，相較上月的40.14億元明顯衰退，不過，累計前10月合併稅後盈餘380.80億元，每股稅後盈餘（EPS）為2.50元，還是穩坐金控第三名寶座。
台新金對彰銀財報編列受矚目 元大金年增率大躍進
兆豐金 (2886) 因受惠獲利主體兆豐銀利差擴大及營所稅退稅，10月大賺22.63億元，前10月狂賺260.56億元，每股純益2.09元。兆豐金表示，兆豐銀因調整放款結構，存放利差擴大，讓10月稅後純益較去年同期多出近5億元達19.08億元，不過兆豐證因自營部門持有個股跌價認列損失，10月稅後虧2200萬元。
台新金 (2887) 自結10月單月稅後純益9.5億元，累計前10月稅益138.6億元，每股稅後純益1.51元，若扣除去年出售兩大信用卡國際組織的一次性獲利，年度累計至10月成長率逾30%，今年獲利續創新高。台新金近幾年來獲利穩健，市場反而關注的是年底彰銀董監改選結果，一旦台新金董監席次未過半，會影響彰銀在其財報上編列方式，預期將成為明天台新金法說會焦點。
元大金 (2885) 自結10月稅後純益12.15億元，前10月稅後純益151.13億元，每股純益1.49元，年成長率達138%，是年成長率最高的金控，主要因認列56.4億元的韓國東洋證券併購利益，且子公司元大寶來證獲利穩定，再加上元大金旗下資產管理公司出售位於汐止不動產，也在10月認列5億逾元獲利，所以元大金獲利大躍進。
永豐金現增66億元 開發金稅後獲利、EPS雙創2008年來新高
永豐金 (2890) 自結10月稅後純益15億元，累計前10月稅後純益126.7億元，每股稅後純益1.43元。永豐金完成6億股現金增資，每股11元發行，從市場募集66億元，增資完成後有助資本結構強化。
玉山金 (2884) 自結10月單月稅後獲利8.39億元，每股稅後盈餘0.13元；累計今年前10月稅後獲利達92.44億元，每股稅後盈餘1.38元，總資產達1.5兆元。
開發金 (2883) 自結10月稅後獲利10.81億元，累計1-10月稅後獲利91.10億元，已超越去年全年獲利83.04億；累計每股盈餘(EPS)達0.62元，也超越去年全年的每股盈餘 0.56元。開發金累計1-10月稅後獲利及每股盈餘，雙雙創下2008年金融海嘯以來的同期新高紀錄。
The Top 10 Economic Indicators: What to Watch and Why
Economic reports and indicators are those often-voluminous statistics put out by government agencies, non-profit organizations and even private companies. They provide measurements for evaluating the health of our economy, the latest business cycles and how consumers are spending and generally faring. Various economic indicators are released daily, weekly, monthly and/or quarterly.
While it is important to keep a pulse on the economy, few analysts or economists wade through all of these massive volumes of data.
Which reports are worth it—and why?
Here's a primer on 10 of the most common and vital economic indicators. Even if you don't follow these reports yourself, it is helpful to know where the "experts" are drawing their opinions from. If you do peruse these reports, remember that data can change rapidly, and that broad trends are not judged by one isolated economic data point.
Why is it important?
The Federal Reserve uses data such as the real GDP and other related economic indicators to adjust its monetary policy.
The Federal Reserve uses data such as the real GDP and other related economic indicators to adjust its monetary policy.
Where does the data come from?
The U.S. Department of Commerce's Bureau of Economic Analysis releases the data quarterly, including any revisions, within the last week to 10 days of each month following the end of the quarter. Data are spelled out as being "advance estimates," "preliminary estimates," and "final" numbers. Each data release includes an explanation of why the GDP increased or decreased from the previous quarter (quarterly data are also annualized).
The U.S. Department of Commerce's Bureau of Economic Analysis releases the data quarterly, including any revisions, within the last week to 10 days of each month following the end of the quarter. Data are spelled out as being "advance estimates," "preliminary estimates," and "final" numbers. Each data release includes an explanation of why the GDP increased or decreased from the previous quarter (quarterly data are also annualized).
Where to find on-line:
www.bea.gov
www.bea.gov
- What is it? The real GDP is the market value of all goods and services produced in a nation during a specific time period. Real GDP measures a society's wealth by indicating how fast profits may grow and the expected return on capital. It is labeled "real" because each year's data is adjusted to account for changes in year-to-year prices. The real GDP is a comprehensive way to gauge the health and well-being of an economy.
It does not include institutional money fund assets, large denominated (more than $100,000) time deposits, or any special reserves banks are required to maintain.
Why is it important?
The Federal Reserve uses this data to assess current economic and financial conditions, and to help alter its monetary policy, which includes raising and lowering interest rates. The Fed's actions are aimed at bolstering or reducing the money supply.
The Federal Reserve uses this data to assess current economic and financial conditions, and to help alter its monetary policy, which includes raising and lowering interest rates. The Fed's actions are aimed at bolstering or reducing the money supply.
Economists and others also use M2 data to predict cyclical economic recessions and recoveries and expected changes in stock prices—not to mention expected changes in the Fed's monetary policy.
Some economists believe that M2's relevancy has waned over the past 20 years. For many years this monetary measurement had closely paralleled the growth or contraction of the U.S. economy and overall changes in prices. But over the past two decades, a bevy of changes—such as the introduction of new depository products, the movement of consumer funds from bank deposits to investment accounts and the internationalization of the economy—has caused the money supply data to fall out of sync with other economic indicators.
Nevertheless, the Fed and some economists and analysts pay attention to the longer-term trends in growth or reduction of the money supply, particularly the six-month figures. And the Fed retains its power to increase the money supply by lowering interest rates as a way to counter a sluggish economy, and to reduce the money supply by raising interest rates if the economy gets overheated.
Where does the data come from?
The Board of Governors of the Federal Reserve System releases the data both weekly (on Thursdays) and monthly, during either the second or third week of the month. Monthly data goes back to January 1959; weekly information has been available since January 1975.
The Board of Governors of the Federal Reserve System releases the data both weekly (on Thursdays) and monthly, during either the second or third week of the month. Monthly data goes back to January 1959; weekly information has been available since January 1975.
Where to find on-line:
www.federalreserve.gov/releases/h6
www.federalreserve.gov/releases/h6
- What is it? M2 money supply represents the aggregate total of all money a country has in circulation. It takes into account all physical currency such as bills and coins; demand deposit savings and checking accounts; traveler's checks; assets in retail money market accounts and small money market mutual funds, (i.e., less than $100,000); individual time deposits and savings deposits, such as certificates of deposits; in addition to some repurchase agreements and Eurodollar holdings.
The CPI does not include every item an individual may buy, but instead takes a sampling of several hundred goods and services across 200 item categories. Data is collected through phone calls and personal visits in 87 urban areas across the country.
The CPI does not include income, Social Security taxes, or investments in stocks, bonds or life insurance. But it does include all sales taxes associated with the purchases of those goods and services.
Why is it important?
This statistic is the best indicator of inflation that we have to rely on. It is particularly closely scrutinized by financial economists now since it shows inflation to be at a 16-year low. Changes in inflation can spur the Fed to take action to change its monetary policy.
This statistic is the best indicator of inflation that we have to rely on. It is particularly closely scrutinized by financial economists now since it shows inflation to be at a 16-year low. Changes in inflation can spur the Fed to take action to change its monetary policy.
Where does the data come from?
The U.S. Department of Labor's Bureau of Labor Statistics releases the national CPI-an average of all areas sampled, monthly, during the second or third week after the end of the measured month. CPIs for three specific metropolitan areas are also published monthly, while CPIs for other specific metropolitan regions are published every other month. Data releases include details about very specific products.
The U.S. Department of Labor's Bureau of Labor Statistics releases the national CPI-an average of all areas sampled, monthly, during the second or third week after the end of the measured month. CPIs for three specific metropolitan areas are also published monthly, while CPIs for other specific metropolitan regions are published every other month. Data releases include details about very specific products.
Where to find on-line:
www.bls.gov/cpi/home.htm
www.bls.gov/cpi/home.htm
- What is it? The CPI measures changes in the prices paid for goods and services by urban consumers for the specified month. The CPI is essentially a measure of individuals' cost of living changes and provides a gauge of the inflation rate related to purchasing those goods and services.
The PPI tracks price changes in virtually all goods-producing sectors, including agriculture, forestry, fisheries, mining and manufacturing. The PPI also tracks price changes for a growing portion of the non-goods-producing sectors of the economy as new PPIs are introduced. Prices from 25,000 establishments are tracked monthly.
This report measures prices for goods at three stages of production: finished goods, intermediate goods and crude goods.
This was called the Wholesale Price Index from 1902 until 1978.
Why is it important?
This index is timely because it is the first inflation measure available in the month. In addition, by watching crude prices, which are first in the chain of production trends, one can sometimes spot inflation in the pipeline, before it shows up in the CPI.
This index is timely because it is the first inflation measure available in the month. In addition, by watching crude prices, which are first in the chain of production trends, one can sometimes spot inflation in the pipeline, before it shows up in the CPI.
Where does the data come from?
The U.S. Department of Labor's Bureau of Labor Statistics releases the data monthly, during the second full week of the month following the reporting month.
The U.S. Department of Labor's Bureau of Labor Statistics releases the data monthly, during the second full week of the month following the reporting month.
Where to find on-line:
www.bls.gov/ppi/home.htm
www.bls.gov/ppi/home.htm
- What is it? The PPI is a group of indexes that measures the changes in the selling price of goods and services received by U.S. producers over a period of time. Think of it as the business-side equivalent to the CPI that measures changes in prices paid by consumers: The PPI captures price movements at the wholesale level, before price changes have bubbled up to the retail level.
Five questions are asked of a random sampling of 5,000 individuals, of whom about 3,500 respond. The survey asks their thoughts and feelings about business conditions, the labor market, consumer spending and economic growth, and their financial and employment expectations six months into the future. Each question can be assigned three opinions: positive, negative and neutral.
Why is it important?
This statistic is a leading indicator of consumer spending-consumers are more inclined to spend money when they are feeling confident about their financial and employment prospects.
This statistic is a leading indicator of consumer spending-consumers are more inclined to spend money when they are feeling confident about their financial and employment prospects.
Where does the data come from?
The Conference Board's Consumer Research Center releases the data monthly on the last Tuesday of each month.
The Conference Board's Consumer Research Center releases the data monthly on the last Tuesday of each month.
Where to find on-line:
http://www.conference-board.org/data/consumerconfidence.cfm
http://www.conference-board.org/data/consumerconfidence.cfm
- What is it? A gauge of the public's confidence about the health of the U.S. economy that reflects the public's optimism/pessimism and the nation's mood.
Employment data is based on a survey of 300,000 establishments across 600 industries, which account for approximately one-third of all payroll employees. Industries include retail trade, manufacturing and construction. CES provides details on numbers of hours worked and earnings of all surveyed across the nation.
The "employed" are defined as all full- and part-time workers and temporary and intermittent employees who received pay for the cited period. It includes those on paid vacation or sick leave, and excludes business proprietors, self-employed, unpaid family members and volunteers.
Why is it important?
This is the earliest indicator of economic trends released each month. Employment rates indicate the well-being of the economy and labor force. Changes in wages point to earnings trends and related labor costs. Economists focus on the monthly change in total non-farm payrolls and in which sectors jobs were gained or lost.
This is the earliest indicator of economic trends released each month. Employment rates indicate the well-being of the economy and labor force. Changes in wages point to earnings trends and related labor costs. Economists focus on the monthly change in total non-farm payrolls and in which sectors jobs were gained or lost.
Interesting trends can also be derived from the payroll data, such as the average number of hours per week worked and the average hourly earnings. This data gives an indication of how tight the labor market is—tight labor markets can translate into wage inflation.
Where does the data come from?
The U.S. Department of Labor's Bureau of Labor Statistics releases the data monthly, usually on the first Friday following the reference month, but always within the first 10 days after month-end.
The U.S. Department of Labor's Bureau of Labor Statistics releases the data monthly, usually on the first Friday following the reference month, but always within the first 10 days after month-end.
Where to find on-line:
www.bls.gov/ces/home.htm
www.bls.gov/ces/home.htm
- What is it? CES provides comprehensive data on national employment, unemployment and wages and earnings data across all non-agriculture industries, including all civilian government workers. Information is disseminated in many different ways-for example, employment/unemployment rates among men and women, varied ethnic groups and teens.
The data is based on a random sampling of 5,000 retail and food service firms. Figures are broken out to both include and exclude sales of automobiles. Sales are weighted and benchmarked to represent the nation's three million retail and food services firms.
Why is it important?
The numbers measure consumers' personal consumption across retail industries and track growth or deceleration of personal consumption spending, which makes up approximately two-thirds of the annual U.S. GDP. Analysts use the data to help track consumer spending trends and forecast the direction and magnitude of future spending. Automobile sales are separated from the data because of their volatility, which can sometimes obscure the underlying pattern of spending.
The numbers measure consumers' personal consumption across retail industries and track growth or deceleration of personal consumption spending, which makes up approximately two-thirds of the annual U.S. GDP. Analysts use the data to help track consumer spending trends and forecast the direction and magnitude of future spending. Automobile sales are separated from the data because of their volatility, which can sometimes obscure the underlying pattern of spending.
Where does it come from?
The U.S. Department of Commerce's U.S. Census Bureau releases the data monthly, during the second week of each month.
The U.S. Department of Commerce's U.S. Census Bureau releases the data monthly, during the second week of each month.
Where to find on-line:
www.census.gov/cgi-bin/briefroom/BriefRm
www.census.gov/cgi-bin/briefroom/BriefRm
- What is it? This data tracks monthly U.S. retail and food service sales, details changes from previous periods, and identifies in which sectors sales increased and/or decreased.
Why is it important?
Housing starts are highly sensitive to changes in mortgage rates, which are affected by changes in interest rates. Although this indicator is highly volatile, it represents about 4% of annual GDP, and can signal changes in the economy and the effects of current financial conditions. Analysts and economists know to watch for longer-term trends in housing starts.
Housing starts are highly sensitive to changes in mortgage rates, which are affected by changes in interest rates. Although this indicator is highly volatile, it represents about 4% of annual GDP, and can signal changes in the economy and the effects of current financial conditions. Analysts and economists know to watch for longer-term trends in housing starts.
Where does the data come from?
The U.S. Department of Commerce's U.S. Census Bureau releases the data monthly, within two to three weeks after the end of the reporting month.
The U.S. Department of Commerce's U.S. Census Bureau releases the data monthly, within two to three weeks after the end of the reporting month.
Where to find on-line:
www.census.gov/cgi-bin/briefroom/BriefRm
www.census.gov/cgi-bin/briefroom/BriefRm
- What is it? An approximation of the number of housing units on which some construction was performed during the month. Data is provided for single-family homes and multiple unit buildings. The data indicates how many homes were issued building permits, how many housing construction projects were initiated and how many home construction projects were completed.
Why is it important?
This data set is the primary source of information on the state of business inventories and business sales. Inventory rates often provide clues about the growth or contraction of the economy. A growth in business inventories may mean sales are slow and the economy's rate of growth is also slowing. If sales are slowing, businesses may be forced to cut production of goods, and that can eventually translate into inventory reductions.
This data set is the primary source of information on the state of business inventories and business sales. Inventory rates often provide clues about the growth or contraction of the economy. A growth in business inventories may mean sales are slow and the economy's rate of growth is also slowing. If sales are slowing, businesses may be forced to cut production of goods, and that can eventually translate into inventory reductions.
Where does the data come from?
The U.S. Department of Commerce's U.S. Census Bureau releases the data monthly, approximately six weeks after the end of the subject month.
The U.S. Department of Commerce's U.S. Census Bureau releases the data monthly, approximately six weeks after the end of the subject month.
Where to find on-line:
www.census.gov/cgi-bin/briefroom/BriefRm
www.census.gov/cgi-bin/briefroom/BriefRm
- What is it? This data represents the combined value of trade sales and shipments by manufacturers in a specific month, as well as the combined values of inventories in the wholesale and retail business sectors and manufacturing. The current and most recent past month's inventory/sales ratios are also provided. Information is provided across 17,000 manufacturing, retail and wholesale companies within 160 industries.
The S&P Index Committee chooses the indexed stocks based upon market size, liquidity and industry group representation. Component companies are periodically replaced. Companies are most often removed because of a merger with another company, financial operating failure or restructuring. Prospective companies are placed in an index "replacement pool" and vacancies are filled from that pool.
Why is it important?
The index is designed to measure changes in the stock prices of component companies. It is used as a measure of the nation's stock of capital, as well as a gauge of future business and consumer confidence levels. Growth of the S&P 500 index can translate into growth of business investment. It can also be a clue to higher future consumer spending. A declining S&P 500 index can signal a tightening of belts for both businesses and consumers.
The index is designed to measure changes in the stock prices of component companies. It is used as a measure of the nation's stock of capital, as well as a gauge of future business and consumer confidence levels. Growth of the S&P 500 index can translate into growth of business investment. It can also be a clue to higher future consumer spending. A declining S&P 500 index can signal a tightening of belts for both businesses and consumers.
Economists tend to look for long-term trends rather than short-term fluctuations in the S&P 500 index. The S&P 500's 10-year total return, for example, has become a common indicator of longer-term trends.
Where does the data come from?
Standard & Poor's is solely responsible for compilation of the S&P 500 index. However, real-time information on the index is available daily from financial news organizations and publications, as well as from Standard & Poor's.
Standard & Poor's is solely responsible for compilation of the S&P 500 index. However, real-time information on the index is available daily from financial news organizations and publications, as well as from Standard & Poor's.
Where to find on-line:
Click here for more information.
Click here for more information.
- What is it? The Standard & Poor's 500 is a market-value-weighted index of 500 publicly owned stocks that are combined into one equity basket. This basket of stocks has become the industry standard and benchmark for the overall performance of the U.S. equity markets.
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