By Pete Schroeder and Nupur Anand
由彼得·施羅德和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) - 聯邦儲備委員會(Federal Reserve)的年度“壓力測試”展示，美國最大的銀行將有足夠的資本來承受嚴重的經濟和市場動盪，但由於危險投資組合，今年公司面臨更高的假想虧損。
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的大跌，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，聯邦儲備委員會發現，這些銀行的高質量資本水平將在最低水平時下降到9.9%，比監管最低水平高出一倍以上。
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.
相對較爲健康的資本狀況爲銀行在未來幾天向股東宣佈資本計劃開闢了道路，包括股票回購和股息。聯邦儲備委員會一名高級官員表示，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.
但是，測試確實發現今年銀行的損失更加嚴重，這不是因爲測試變得更加嚴格。2014年版的壓力測試與去年基本相似，聯邦儲備委員會表示，更高的虧損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.
聯邦儲備委員會指出，今年信用卡餘額和拖欠比例不斷增加、企業信用組合風險加大以及預期收益率降低等因素對銀行造成了壓力。
"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.
“這一年的結果不是由情景的變化所驅動的，而是由於銀行資產負債表的三個主要因素所驅動的。”聯邦儲備委員會監管委員會副主席邁克爾·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.
接受測試的銀行在假想嚴峻的情況下將遭受總計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.
在接受測試的銀行中，嘉信理業績告了在這種嚴峻情況下最高的資本水平，在這種情況下，其資本比率爲25.2%。除了德意志銀行和瑞銀美國業務之外，紐約銀行、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。
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趨近於最低水平，包括BMO、市民金融集團和匯豐銀行，都報告了低於7%的壓力資本比例。
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.
最大的全球銀行的資本比率都遠高於最低水平，其中摩根大通的資本比率最高，達到12.5%，而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.
雖然銀行有望像以前幾年一樣在今年的考試中表現良好，但由於它們的表現如何決定了它們必須持有多少資本來應對潛在的損失，因此年度結果對每個公司都具有重要意義。超過這些資本水平的多餘資金隨後可以返回股東。（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）