By Pete Schroeder and Nupur Anand
由Pete Schroeder和Nupur Anand撰寫
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）——美國最大的銀行將擁有足夠的資本來承受嚴重的經濟和市場動盪，美國聯邦儲備委員會年度“壓力測試”結果顯示。但由於風險更高的投資組合，公司今年面臨更嚴峻的假設損失。
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家大銀行將能承受失業率飆升，市場劇烈波動，以及住宅和商業抵押貸款市場暴跌仍有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.
具體而言，聯邦儲備委員會發現各家銀行的高質量資本水平將在最低水平時下降到9.9％，這是監管要求的兩倍多。
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.
相對較好的健康狀況爲銀行宣佈資本計劃爲股東鋪平了道路，包括股票回購和分紅。聯邦儲備委員會的一位高級官員表示，銀行可以在週五的收盤後公佈資本計劃。
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，測試確實發現今年銀行遭受了更大的損失，而不是因爲測試越來越嚴格。與去年的測試相比，壓力測試的2024版本基本相似，聯邦儲備委員會表示，更高的損失是由於銀行組合在過去一年中的轉移方式。
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，年內增加的信用卡餘額和拖欠率、風險更高的公司信貸組合以及預期利潤降低，今年對銀行造成了壓力。
"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.
聯邦儲備委員會監管部門的副主席邁克爾·巴爾在一份聲明中表示：“結果不是由情景改變驅動的。相反，驅動今年結果的三個主要因素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假想的嚴重情況下遭受總計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，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·施瓦布公司報告了在這種情況下最高的資本水平，發佈了25.2％的資本比率。紐約梅隆銀行，摩根大通，摩根士丹利，北方信託和道富銀行都在測試後報告了兩位數的資本比率，德意志銀行和瑞銀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，一些較小的區域性貸款機構的資本水平接近最低要求，BMO，老虎證券集團和匯豐銀行的壓力測試資本比率均低於7％。
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.
最大的全球銀行都發布了遠高於最低要求的資本比率，其中摩根大通的比率最高，爲12.5％，富國銀行的比率最低，爲8.1％。美國銀行發佈了9.1％的資本比率，花旗集團發佈了9.7％的比率。
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.
儘管銀行在今年的考試中被期望表現良好，就像前幾年一樣，但每家公司的年度結果對它們很重要，因爲它們的表現如何決定了它們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多餘資金隨後可以返還給股東。（彼得·施羅德報道，迪帕·巴賓頓編輯）
(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）