By Pete Schroeder and Nupur Anand
由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.
據路透社6月26日華盛頓報道，美國最大的銀行在聯邦儲備委員會的年度"壓力測試"中表現出足夠的資本來經受嚴重的經濟和市場動盪，但由於風險更高的投資組合，今年公司面臨更嚴重的假設損失。
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家大型銀行能承受失業率上升、市場劇烈波動以及住宅和商業抵押貸款市場暴跌的打擊，仍然能夠保留足夠的資本來繼續放貸。
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，聯儲會發現銀行的高質量資本水平將在最低水平下降至9.9%，這超過了監管最低水平的兩倍以上。
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.
相對較爲樂觀的結論爲銀行在未來幾天向股東宣佈資本計劃，包括股票回購和分紅掃清了道路。聯邦儲備委員會高級官員表示，銀行可以在週五市場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，測試發現銀行今年遭受的損失更大，並不是因爲測試更加嚴苛。聯儲會表示，與去年的壓力測試相比，2024年的版本基本相似，更高的損失是由於銀行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.
聯儲會指出，信用卡餘額和拖欠率增長、風險更高的企業信貸投資組合以及預計利潤下降構成了今年銀行面臨的壓力。
"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.
"結果並非情景變化導致的。相反，引起今年結果的三個主要因素與銀行資產負債表的變化有關。" 聯邦儲備委員會監管副主席邁克爾·巴爾在一份聲明中表示。
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假設的嚴重情況下遭受聯合6850億美元的虧損。平均而言，銀行的資本充足率下降了2.8個百分點，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，查爾斯·施瓦布公司的資本水平在測試下表現最好，在嚴重情況下具有25.2%的資本充足率。紐約梅隆銀行，摩根大通，摩根士丹利，北方信託和道富銀行以及德意志銀行和瑞銀的美國業務都在測試後報告了兩位數的資本充足率。
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%.
相較而言，一些較小的區域性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都報告了低於7%的壓力測試資本充足率。
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充足率都遠高於最低要求，其中摩根大通的最高充足率爲12.5%，富國銀行的最低充足率爲8.1%。美國銀行的資本充足率爲9.1%，花旗集團的資本充足率爲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.
儘管銀行根據以往的實驗表現良好，但每家公司的年度結果都很重要，因爲它們的表現得多少決定了公司必須持有多少資本來抵禦潛在的虧損。超出這些資本水平的資金可以返還給股東。（彼得·施羅德報道，迪巴巴寧編輯）由於今年的考試與以往年份一樣，年度結果對每家公司來說都非常重要，因爲它們的表現如何決定了他們必須持有多少資本以抵禦潛在的損失。超過這些資本水平的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）