"We Were Not Really Focused on Lending to Our Private Wealth Clients -- We Did a Little Bit of It, but It Wasn't a Big Focus," CEO David Solomon Told Reuters in an Interview. "They Have Borrowing Needs and We're Well Positioned to Serve Them Competitively." By Saeed Azhar
由Saeed Azhar報道
New York, June 13 (Reuters) - Goldman Sachs Gs.n Aims to Double Its Lending Over the Next Five Years to Ultra-Wealthy Private Bank Clients With Account Sizes Exceeding $10 Million, as It Gathers More Deposits to Supercharge Lending, the Bank's Private Banking Chief Told Reuters.
紐約，6月13日(路透社) - 高盛Gs.n高盛的私人銀行主管告訴路透社，該銀行旨在在接下來的五年內將其放貸翻倍給帳户規模超過1000萬美元的超級富裕私人銀行客戶，以收集更多存款來激發貸款業務的增長。
The Plans, Previously Unreported, Were Disclosed to Reuters by Nishi Somaiya, Goldman's Global Head of Private Banking, Lending and Deposits. the Wall Street Giant Wants to Make More Loans to Wealthy Individuals and Families for Big Purchases, Ranging From Luxury Homes to Sports Teams, as Part of Its Strategy to Bolster Its Wealth Management Operations.
高盛的全球私人銀行，放貸和存款主管Nishi Somaiya向路透社透露，這一計劃是該銀行採取的策略的一部分，旨在向富裕的個人和家庭提供大額貸款，以購買從豪華住宅到體育團體等多樣化的物品，以增強其财富管理業務。
Goldman Declined to Quantify the Full Scope of Its Lending to Wealthy Clients, Who Typically Have a Net Worth of at Least $30 Million. the Private Bank's Outstanding Loans Stood at $33 Billion in the First Quarter. That Does Not Capture Other Undisclosed Commitments, Which Could Add More to the Total.
高盛拒絕透露向富裕客戶提供的放貸總體規模，這些客戶通常淨值至少3000萬美元。私人銀行的未償還貸款在第一季度達到330億美元。這還未包括其他未披露的承諾，這可能會使總額進一步增加。
"We Were Not Really Focused on Lending to Our Private Wealth Clients -- We Did a Little Bit of It, but It Wasn't a Big Focus," CEO David Solomon Told Reuters in an Interview. "They Have Borrowing Needs and We're Well Positioned to Serve Them Competitively."
"我們並沒有真正專注於向我們的私人財富客戶放款——我們只是做了一點點，但這並不是我們關注的重點，" 高盛首席執行官David Solomon在接受路透社採訪時說道。"他們有借款需求，我們完全有能力在競爭中爲他們提供服務。"
The Lending Push Is a Silver Lining From Goldman's Ill-Fated Consumer Business. While the Expansion Into Retail Banking Largely Flopped and Was Unpopular Among Some Employees and Investors, It Still Attracted a Surge of Deposits Into Consumer Savings Accounts.
高盛不幸的消費者業務中有一個閃光點是其放貸業務。儘管零售銀行業務擴張基本失敗，不受一些員工和投資者的歡迎，但它仍吸引了消費者儲蓄帳户的急劇增長。
Goldman's Total Deposits Jumped to $441 Billion in the First Quarter, With Over 39% Coming From Consumer Accounts, Versus $190 Billion in Total Deposits at the End of 2019.
高盛的總存款在第一季度飆升至4410億美元，其中超過39%來自消費者帳户，而2019年底的總存款爲1900億美元。這些存款也被用作高盛市場部門的廉價資金來源。
Those Deposits Have Also Been Put to Use as a Cheap Source of Funding for Goldman's Markets Division.
隨着存款的增加，高盛的市場部門通過爲交易和私人股權客戶提供以房地產資產或證券作爲抵押品的短期貸款，在第一季度實現了記錄增長。
The Unit Posted Record Growth in Financing in the First Quarter for Trading and Private Equity Clients, by Providing Short-Term Loans to Clients Using Their Holdings Such as Real Estate Assets or Securities as Collateral.
該部門第一季度放貸規模創下歷史新高，有助於高盛將其業務拓寬到交易和投資銀行活動之外，向至少擁有3000萬美元資產的富裕個人、私人股權公司和資產管理公司擴大單戶放貸規模。高盛的财富管理放貸佔其財富客戶資產的比例爲3%，低於同行業平均水平9%的報告，一個名爲Autonomous Research的研究機構發佈說。
as Its Deposits Swelled, "We Have Grown, and Will Continue to Grow, Lending Across Our Institutional Businesses," Somaiya Said.
"我們一直沒有真正關注向我們機構客戶放貸——我們只是做了一點點，但這並不是我們的重心，"Somaiya表示。"隨着我們的機構業務持續擴張，我們已經實現了並將繼續實現在銀行放貸業務方面的增長。"
Goldman's Lending in Wealth Management as a Percentage of Its Wealth Client Assets Is 3%, Well Below an Average of 9% Among Its Peers, According to a Report by Autonomous Research.
根據Autonomous Research的一份報告，高盛的财富管理放貸佔其財富客戶資產的比例爲3%，低於同行業平均水平9%。
Bank of America's Bac.n Total Outstanding Loans and Leases to Wealth Management Clients Stood at Around $220 Billion at the End of Its Last Financial Year, Similar to JPMorgan Chase's Jpm.n.
美國銀行Bac.n在其上一財年結束時，其向财富管理客戶的總放貸額爲約2200億美元，與摩根大通類似。JPM.N.
"There's a Real Opportunity for US to Grow in Our Private Banking Activities," Given That Gap, Somaiya Said.
"在我們的私人銀行活動中，我們存在真正的增長機遇，" Somaiya表示，考慮到這個差距。
The Expansion of Lending to Wealthy Individuals Who Have Assets of at Least $30 Million, as Well as to Private Equity Firms and Asset Managers, Helps Goldman Broaden Its Business Beyond Trading and Investment Banking.
向至少擁有3000萬美元資產的富裕個人、私人股權公司和資產管理公司放貸，有助於高盛將其業務拓展到交易和投資銀行活動之外。
"This Is a Way to Increase Their Wallet Share of a Client Who They Already Have a Relationship With," Said Ebrahim Poonawala, Banking Analyst at Bank of America.
“這是一種增加已有客戶錢包份額的方式，”美國銀行的銀行分析師艾布拉欣·普納瓦拉說。
"You Deepen the Client Relationship, You Create Sticky Revenue."
“加深客戶關係，創造穩定的營業收入。”
Investors Will Watch to See IF the Wealth Lending Improves the Return on Equity (Roe) for the Bank's Broader Asset and Wealth Management Division.
投資者將會注意到財富借貸是否會提高該銀行更廣泛的資產和财富管理部門的回報率（ROE）。
Goldman Has Set a Target to Boost the Unit's Roe From a Current 9.9% to a Mid-Teens Percentage in the Medium Term.
高盛已經設定了一個目標，即將該部門的ROE從當前的9.9％提高到中期的兩位數百分比。
Its Asset Management Division Is Also Making More Loans Using Outside Money From Investors Instead of the Bank's Own Balance Sheet.
它的資產管理部門也正在利用投資者的外部資金進行更多的貸款，而不是利用銀行的資產負債表。
Goldman Sachs Asset Management Set a Goal To More Than Double Its Private Credit Portfolio to $300 Billion in Five Years.
高盛資產管理部門設定了一個目標在五年內將其私人信貸組合增至3000億美元。
Lending Is Seen as a Strategic Tool to Expand Goldman's Services to Its Ultra-High Net Worth Clients Who Have a Broad Choice of Lenders and Are Infrequent Borrowers.
貸款被視爲擴大高盛向其超高淨值客戶提供服務的戰略工具，這些客戶可以選擇廣泛的借款人，並且很少借貸。
"We Can Provide Them Leverage Often Against Illiquid Assets, IF They Need Lending for an Acquisition - Home, Hobby, Another Company, Sports Team - or Want to Use a Margin Loan Against Securities to Invest More," Somaiya Said.
“如果他們需要借貸以進行收購 - 購房，愛好，另一家公司，體育隊 - 或想對證券進行按金貸款以進行更多投資，我們可以爲他們提供槓桿。” 索麥亞說。
For Instance, Wealthy Clients Can Use Their Holdings of Alternative Assets or Art Hanging on Their Walls as Collateral for the Loans, She Added.
例如，富裕客戶可以將他們持有的替代資產或掛在牆上的藝術品用作貸款的抵押品，她補充說。
"We Are Creating Liquidity for a Rainy Day," She Said.
“我們正在爲下雨天創造流動性，”她說。
(Reporting by Saeed Azhar, Additional Reporting by Lananh Nguyen; Editing by David Gregorio)
（由賽義德·阿扎爾報道，由拉南·阮補充報道；David Gregorio編輯）
((Saeed.azhar@Thomsonreuters.com; +1 347 908-6341; Reuters Messaging: Saeed.azhar.reuters.com@Reuters.net))
((Saeed.azhar@thomsonreuters.com；+1 347 908-6341；路透社消息：Saeed.azhar.reuters.com@reuters.net))
