{"id":12349,"date":"2025-07-22T09:09:26","date_gmt":"2025-07-22T15:09:26","guid":{"rendered":"https:\/\/kngadvisors.co.uk\/?p=12349"},"modified":"2025-11-24T22:02:37","modified_gmt":"2025-11-24T22:02:37","slug":"los-resultados-bancarios-muestran-que-estados-unidos-va-bien","status":"publish","type":"post","link":"https:\/\/kngadvisors.com\/en\/los-resultados-bancarios-muestran-que-estados-unidos-va-bien\/","title":{"rendered":"Los resultados bancarios muestran que Estados Unidos va bien"},"content":{"rendered":"<p><strong>Lunes 21 de Julio del 2025<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center\">Audio in Spanish<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Los resultados bancarios muestran que Estados Unidos va bien\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/_Xik6l3p-Pw?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center\">Audio in English<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Bank Results Show the US is Doing Well\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/3afEEDO_vKI?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n<\/div>\n<\/div>\n\n\n\n<p>JPMorgan, Citigroup, Wells Fargo, and Bank of America, four giants that together account for around 40% of the US banking sector, have published their latest results. The message is clear: the US economy is doing well.<\/p>\n\n\n\n<p>Los resultados bancarios no solo se refieren al sector financiero, sino que son una ventana a la econom\u00eda en general. Pensemos en estos bancos como las arterias del sistema financiero: bombean dinero a la econom\u00eda en forma de pr\u00e9stamos, cr\u00e9ditos, hipotecas y financiaci\u00f3n empresarial. Cuando las cosas van mal, suelen ser los primeros en enterarse.<\/p>\n\n\n\n<p>Por eso los inversores deben prestar mucha atenci\u00f3n a las se\u00f1ales que se esconden en estos informes de resultados. Nos dicen c\u00f3mo se comportan los consumidores, si las empresas est\u00e1n invirtiendo y cu\u00e1nto riesgo financiero se est\u00e1 acumulando.<\/p>\n\n\n\n<p>Una de las formas m\u00e1s f\u00e1ciles de comprobar la salud de los consumidores es fijarse en las tasas de cancelaci\u00f3n de tarjetas de cr\u00e9dito, es decir, la frecuencia con la que los bancos se ven obligados a cancelar la deuda de las tarjetas de cr\u00e9dito porque los clientes no pueden pagarla.<\/p>\n\n\n\n<p>En JPMorgan, Citi y Bank of America, estas tasas de cancelaci\u00f3n no est\u00e1n aumentando. De hecho, se mantienen pr\u00e1cticamente estables. Si los consumidores estadounidenses estuvieran pasando apuros, lo ver\u00edamos en forma de aumento de las cancelaciones. Pero eso no est\u00e1 sucediendo. La gente sigue pagando sus facturas, lo que implica que los hogares gozan de una salud relativamente buena, incluso ante el aumento de las tasas de inter\u00e9s y la incertidumbre pol\u00edtica.<\/p>\n\n\n\n<p>Otra cifra muy vigilada es la de las provisiones para pr\u00e9stamos incobrables. Se trata del dinero que los bancos reservan por si los pr\u00e9stamos se convierten en morosos en el futuro. En JPMorgan, Wells Fargo y BofA, estas provisiones se mantienen estables, sin que se prevea un aumento significativo de los impagos.<br><br>En Citi, hay una ligera tendencia al alza, pero incluso aqu\u00ed los analistas se han sorprendido gratamente por lo moderadas que son las cifras.<\/p>\n\n\n\n<p>En \u00e9pocas de tensi\u00f3n econ\u00f3mica (como en 2008 o a principios de 2020), las provisiones para pr\u00e9stamos incobrables se disparan. El hecho de que se mantengan estables ahora sugiere que los bancos no ven signos de una recesi\u00f3n inminente en sus carteras de pr\u00e9stamos, lo que supone un voto de confianza en la econom\u00eda.<\/p>\n\n\n\n<p>A pesar de las preocupaciones por los aranceles comerciales, los cambios normativos y la inestabilidad pol\u00edtica, en particular por las medidas pol\u00edticas repentinas o la ret\u00f3rica de Washington, la realidad es que la macroeconom\u00eda estadounidense a\u00fan no se ha descarrilado.<\/p>\n\n\n\n<p>Los mercados son fuertes porque los fundamentos son s\u00f3lidos.<\/p>\n\n\n\n<p>Como inversor que intenta juzgar si ahora es un buen momento para invertir en acciones o valores financieros estadounidenses, esto nos recuerda que la fortaleza macroecon\u00f3mica puede persistir incluso en tiempos de incertidumbre<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>We would like to thank <a href=\"https:\/\/news.dominion-cs.com\/es\/\" target=\"_blank\" rel=\"noopener\">Dominion Capital Strategies<\/a> <\/strong>for writing this content and sharing it with us.<\/p>\n\n\n\n<p><em><strong>Sources: <\/strong>Bloomberg, Yahoo Finance, Marketwatch, MSCI. <\/em><\/p>\n\n\n\n<p><em><strong>Copyright<\/strong> \u00a9 2023 Dominion Capital Strategies, All rights reserved.<\/em><\/p>\n\n\n\n<p><em><strong>Disclaimer: <\/strong>The views expressed in this article are those of the author as of the date of publication and do not necessarily reflect those of <strong>Dominion Capital Strategies Limited<\/strong> or its related companies. The content of this article is not intended to constitute investment advice and will not be updated after publication. Images, videos, literary quotations, and any material that may be subject to copyright are reproduced in whole or in part in this article on the basis of fair dealing, applied to news reporting and journalistic commentary on events.<\/em><\/p>\n\n\n\n<div style=\"height:34px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<div style=\"height:32px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center\">To begin receiving financial advice and learn more about secure investment opportunities in the market<\/h4>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background wp-element-button\" href=\"https:\/\/kngadvisors.com\/en\/contact-us\/\" style=\"background:linear-gradient(135deg,rgb(0,255,246) 0%,rgb(17,17,61) 90%)\" target=\"_blank\" rel=\"noreferrer noopener\">Contact an advisor<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>JPMorgan, Citigroup, Wells Fargo, and Bank of America, four giants that together account for around 40% of the US banking sector, have published their latest results. The message is clear: the US economy is doing well.<\/p>","protected":false},"author":2,"featured_media":13224,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[18],"tags":[19],"class_list":["post-12349","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-finanzas"],"_links":{"self":[{"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/posts\/12349","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/comments?post=12349"}],"version-history":[{"count":0,"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/posts\/12349\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/media\/13224"}],"wp:attachment":[{"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/media?parent=12349"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/categories?post=12349"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kngadvisors.com\/en\/wp-json\/wp\/v2\/tags?post=12349"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}