By Pete Schroeder and Nupur Anand
由彼特·施羅德和努普爾·安納德提供幫助。
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，美國幾家最大的銀行在聯儲局的年度“壓力測試”演習中表現出了足夠的資本應對嚴重的經濟和市場動盪。但由於風險投資組合的風險加劇，今年的損失更爲嚴重。
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激增、嚴重市場波動以及住宅和商業抵押貸款市場的下跌，仍將保留足夠的資本來繼續貸款。
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，聯儲局發現銀行的高質量資本水平會降至最低水平的9.9％，是規制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.
相對乾淨的賬單爲銀行在未來幾天宣佈向股東發佈資本計劃（包括回購股票和分紅）鋪平了道路。聯儲局一位高級官員說，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，本次測試發現銀行今年的損失更爲嚴重，並非因爲測試變得更加嚴格。聯儲局表示，壓力測試2024年版與去年大體相似，更高的損失是由於銀行組合在去年發生了轉變。
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.
聯儲局指出，信用卡餘額和拖欠率增長、更加危險的企業信貸組合和預計利潤下降是今年制約銀行的主要因素。
"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.
“成果的驅動因素不是情境的變化。相反，影響今年成果的三個主要因素與銀行資產負債表的變化有關，”聯儲局負責監管的副主席邁克爾·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.
測試銀行將在假設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，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.
在測試中，嘉信證券公司報告了最高的資本水平，在嚴峻的情況下，嘉信證券公司股本比率達25.2％。在測試後，紐約銀行、摩根大通、大摩資源LOF、北方信託和道富銀行以及德意志銀行和瑞士銀行美國業務都報告了兩位數的資本比率。
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%.
相比之下，一些較小的區域型銀行的資本水平接近最低限額，BMO、公民金融集團和匯豐銀行都報告了低於7％的壓力測試資本比率。
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.
最大的全球銀行都公佈了高於最低限額的資本比率，其中摩根大通的資本比率最高，爲12.5％，富國銀行的資本比率最低，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.
雖然銀行被期望今年表現良好，就像之前的幾年一樣，但每個公司每年的表現對於它們的重要性很大，因爲它們的表現越好，他們必須持有越多的資本來應對潛在損失。除這些資本水平之外的額外資金可以返還給股東。預計表現良好根據皮特·施羅德的報道，編輯爲迪帕·巴賓頓進行編輯。
(Reporting by Pete Schroeder, Editing by Deepa Babington)
（彭博社華盛頓7月26日消息）皮特·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）