By Pete Schroeder and Nupur Anand
作者：皮特·施羅德和努普爾·阿南德
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）— 聯儲局週三的年度 “壓力測試” 活動顯示，美國最大的銀行將有足夠的資本來抵禦嚴重的經濟和市場動盪，但由於投資組合風險較高，企業今年面臨更大的假設損失。
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.
這個 運動 發現31家大銀行將經受住失業率飆升、嚴重的市場波動以及住宅和商業抵押貸款市場的下跌，但仍能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.
具體而言，聯儲局發現，銀行的高質量資本水平將降至最低水平的9.9％，是監管最低水平的兩倍多。
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.
相對乾淨的健康法案爲銀行在未來幾天內向股東宣佈資本計劃（包括股票回購和分紅）掃清了道路。聯儲局一位高級官員說，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.
但是，該測試確實發現銀行今年遭受的損失更大，而不是因爲測試變得更艱難。2024年版本的壓力測試與去年的壓力測試大致相似，聯儲局表示，更高的虧損是由於去年銀行投資組合的變化。
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.
聯儲局特別指出，今年信用卡餘額和拖欠率的增加、風險更高的企業信貸組合以及較低的預計利潤給銀行造成壓力。
"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.
“推動結果的不是情景的變化。相反，推動今年業績的三個主要因素與銀行資產負債表的變化有關。” 聯儲局監管副主席邁克爾·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.
在假設的嚴重情景下，接受測試的銀行總共將蒙受6,850億美元的損失。平均而言，銀行的資本比率下降了2.8個百分點，爲2018年以來的最大跌幅。
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.
在測試的銀行中，嘉信理財公司報告的資本水平是測試中最高的，在這種嚴峻的情況下，資本比率爲25.2％。測試後，紐約銀行梅隆公司、摩根大通、摩根士丹利、北方信託和State Street均報告了兩位數的資本比率，德意志銀行和瑞銀在美國的業務也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，一些規模較小的區域貸款機構的資本水平已接近最低水平，BMO、Citizens Financial Group和匯豐銀行均報告稱，資本比率低於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.
全球最大的銀行公佈的資本比率均遠高於最低水平，摩根大通公佈的資本比率最高，爲12.5％，富國銀行的資本比率最低，爲8.1％。美國銀行公佈的資本比率爲9.1％，花旗集團公佈的資本比率爲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.
雖然銀行是 預計會表現良好 在今年的考試中，與往年一樣，每家公司的年度業績都很重要，因爲它們的表現決定了他們必須持有多少資本來抵禦潛在損失。然後，超出這些資本水平的多餘資金可以退還給股東。
(Reporting by Pete Schroeder, Editing by Deepa Babington)
（皮特·施羅德報道，迪帕·巴賓頓編輯）
((Pete.schroeder@Thomsonreuters.com; 202-310-5485;))
((Pete.schroeder@Thomsonreuters.com; 202-310-5485;))