By Pete Schroeder and Nupur Anand
Pete Schroeder和Nupur Anand報道
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.
華盛頓，6月26日(路透社) - 聯邦儲備委員會(Federal Reserve)的年度"壓力測試"表明，美國最大的銀行有足夠的資本來抵禦嚴重的經濟和市場動盪，但由於風險較高的投資組合，今年公司面臨更嚴峻的虛擬損失。
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家大型銀行將經受住失業率飆升、嚴重市場波動以及住宅和商業抵押貸款市場下跌的衝擊，仍將保留足夠的資本以繼續放貸。
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，聯邦儲備委員會發現銀行的高質量資本水平將在最低水平下降到9.9%，這是監管最低要求的兩倍以上。
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.
相對乾淨的賬目爲銀行鋪平了道路，以便在未來幾天向股東宣佈資本計劃，包括股票回購和分紅。一位聯儲局高級官員表示，銀行可以在週五收盤後宣佈資本計劃。
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，銀行今年損失更大，並不是因爲測試變得更加艱難。聯儲局表示，2024年版本的壓力測試與去年的基本相似，更高的損失是由於銀行投資組合在過去一年中的變化。
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.
聯邦儲備委員會指出，這一年，日益增長的信用卡餘額和拖欠率、風險更高的企業信貸投資組合以及預測利潤降低，都給銀行帶來了壓力。
"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.
聯儲局監管副主席邁克爾·巴爾在一份聲明中表示: "不是情景的變化推動了結果。相反，今年結果的三個主要因素是與銀行資產負債表的變化有關。"
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.
接受測試的銀行將在虛擬的嚴重情況下遭受總共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，嘉信理財公司在測試中報告的資本水平最高，在這種嚴峻的情況下，它報告了25.2%的資本比率。紐約梅隆銀行(Bank of New York Mellon Corp)、摩根大通(JPMorgan Chase)、摩根士丹利(Morgan Stanley)、北方信託(Northern Trust)和道富銀行(State Street)在測試後均報告了兩位數的資本比率，德意志銀行和瑞士銀行(UBS)的美國業務也是如此。
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，一些較小的區域性銀行的資本水平更接近最低水平，包括加拿大蒙特利爾銀行(BMO)、公民金融集團(Citizens Financial Group)和匯豐銀行(HSBC)都報告了低於7%的應激資本比率。
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.
全球最大的銀行資本比率都遠高於最低要求，其中摩根大通的資本比率最高，達到12.5%，富國銀行的比率最低，爲8.1%。美國銀行的資本比率爲9.1%，花旗集團的比率爲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良好，就像他們多年來一樣，但每家公司的年度結果對於他們來說都意義重大，因爲他們的表現如何將決定他們必須持有多少資本以應對潛在的損失。超過這些資本水平的多餘資金可以返回給股東。保持良好表現的預期對於每家公司來說，年度結果均具有重要意義，因爲他們的表現決定了他們必須持有多少資本以應對潛在的損失。超過這些資本水平的多餘資金可以返回給股東。(Pete Schroeder報道，Deepa Babington編輯)
(Reporting by Pete Schroeder, Editing by Deepa Babington)
(由彼得·施羅德報導，德帕·巴賓頓編輯)
((Pete.schroeder@Thomsonreuters.com; 202-310-5485;))
((pete.schroeder@thomsonreuters.com202-310-5485）