By Pete Schroeder and Nupur Anand
彼特·施羅德和努普爾·阿納德
Washington, June 26 (Reuters) - The Biggest U.S. Banks Would Have Enough Capital to Withstand Severe Economic and Market Turmoil, The Federal Reserve's Annual "Stress Test" Exercise Showed on Wednesday, but Firms Faced Steeper Hypothetical Losses This Year Due to Riskier Portfolios.
據路透社6月26日報道，美國最大的銀行將有足夠的資本來抵禦嚴重的經濟和市場動盪，聯邦儲備委員會年度“壓力測試”演習顯示，但由於風險更高的組合，今年公司面臨更陡峭的假設損失。
The Exercise Found 31 Big Banks Would Weather a Spike in the Jobless Rate, Severe Market Volatility, and Dives in the Residential and Commercial Mortgage Markets and Still Retain Enough Capital to Continue Lending.
分析師團隊剛剛選出他們認爲投資者現在可以買入的10只最佳股票……而超微電腦不在其中。有可能這10只被選出的股票未來幾年會產生巨大回報。行權發現31家大銀行會應對失業率上升、市場劇烈波動、住宅和商業抵押貸款市場崩盤的情況，仍將保留足夠的資本繼續放貸。
Specifically, the Fed Found Levels of High-Quality Capital at the Banks Would Dip to 9.9% at Their Lowest Levels, Which Is More Than Twice the Regulatory Minimum.
具體來說，聯儲發現，在最低點，銀行的高質量資本水平會下降到9.9%，這比監管最低要求高兩倍還多。
The Relatively Clean Bill of Health Clears the Way for the Banks to Announce Capital Plans to Shareholders in the Coming Days, Including Stock Buybacks and Dividends. Banks Can Announce Capital Plans After the Market Closes on Friday, a Senior Fed Official Said.
相對較爲健康的資本結構爲銀行在接下來幾天向股東宣佈資本計劃，包括股票回購和分紅，清除了道路。聯儲局高級官員表示，銀行可以在週五收市後宣佈資本計劃。
However, the Test Did Find Banks Suffered Steeper Losses This Year, and Not Because the Test Got Tougher. the 2024 Version of the Stress Test Was Broadly Similar to Last Year's, and the Fed Said the Higher Losses Were Due to How Bank Portfolios Have Shifted in the Last Year.
然而，測試確實發現銀行今年受到了更大的損失，而不是因爲測試變得更加嚴格。壓力測試的2024版本與去年的版本基本相似，聯儲表示更高的損失是由於銀行組合在過去一年中的變化所致。
The Fed Singled Out Growing Credit Card Balances and Delinquency Rates, Riskier Corporate Credit Portfolios, and Lower Projected Profits as Weighing on Banks This Year.
聯儲特別關注信用卡餘額和拖欠率、風險更高的企業信貸組合和預計利潤下降，這些因素使銀行今年承壓。
"It Is Not Changes in the Scenario Driving the Results. Rather, the Three Main Factors Driving This Year's Results Were Associated With Changes in Banks' Balance Sheets," Said Fed Vice Chair for Supervision Michael Barr in a Statement.
“這一結果的驅動因素不是情景的變化，而是與銀行資產負債表的變化有關，”聯儲監管副主席邁克爾·巴爾在一份聲明中說。
The Banks That Were Tested Would Suffer a Combined $685 Billion in Losses Under A Hypothetical Severe Scenario. on Average, Banks Saw Their Capital Ratios Fall by 2.8 Percentage Points, the Steepest Decline Since 2018.
經過假設下嚴重的情況，接受測試的銀行將遭受6850億美元的損失。平均而言，銀行的資本比率下降了2.8個百分點，這是自2018年以來最大的下降。
Of the Banks Tested, Charles Schwab Corp Reported the Highest Capital Levels Under the Test, Posting a 25.2% Capital Ratio Under That Severe Scenario. Bank of New York Mellon Corp, JPMorgan Chase, Morgan Stanley, Northern Trust and State Street All Reported Double-Digit Capital Ratios After the Test, as Did the US Operations of Deutsche Bank and UBS.
在接受測試的銀行中，嘉信理業績告了最高的資本水平，在嚴峻的情況下，其資本比率達到25.2%。道富銀行、摩根大通、大摩資源lof、北方信託和美國銀行的美國業務以及德意志銀行和瑞銀的資本比率均超過兩位數。
By Comparison, Some Smaller Regional Lenders Saw Their Capital Levels Skirt Closer to the Minimums, With BMO, Citizens Financial Group, and HSBC All Reporting Stressed Capital Ratios Below 7%.
相比之下，一些較小的區域型銀行的資本水平更接近最低水平，BMO、市民金融集團和匯豐銀行均報告了低於7%的脅迫資本比率。
The Largest Global Banks All Posted Capital Ratios Well Above Minimums, With JPMorgan Posting the Highest at 12.5%, and Wells Fargo the Lowest at 8.1%. Bank of America Posted a 9.1% Capital Ratio, and Citigroup Posted a 9.7% Ratio.
最大的全球貨幣銀行的資本比率均遠高於最低要求，其中摩根大通的最高達到12.5%，富國銀行最低爲8.1%。美國銀行的資本比率爲9.1%，花旗集團的資本比率爲9.7%。
While Banks Were Expected to Perform Well Under This Year's Exam as They Have in Years Prior, the Annual Results Are Significant for Each Firm Because How Well They Perform Dictates How Much Capital They Must Hold Against Potential Losses. Excess Funds Beyond Those Capital Levels Can Then Be Returned to Shareholders.
雖然銀行被期望在今年的考試中表現不錯，就像在以往的年份一樣，但每家公司的年度結果都是重要的，因爲它們的表現好壞將決定它們必須持有多少資本來應對潛在損失。超出這些資本水平的多餘資金可以返還給股東。（彼特·施羅德報道，迪帕·巴賓頓編輯）在往年的考試中，今年的年度業績對於每家公司都非常重要，因爲它們的表現如何將決定他們必須持有多少資本來應對潛在的損失。超過那些資本水平的多餘資金可以返還給股東。
(Reporting by Pete Schroeder, Editing by Deepa Babington)
（彼得·施羅德報道，迪帕·巴賓頓編輯）
((Pete.schroeder@Thomsonreuters.com; 202-310-5485;))
((pete.schroeder@thomsonreuters.com202-310-5485）