Ferris Kwok

美國聯儲局年度壓力測試的第一部分結果

2016-06-24


美國聯儲局昨日發佈了,其年度銀行壓力測試的第一部分內容,在假設美國失業率擴大逾一倍達到10%、股市市值縮水一半,以及金融市場出現嚴重動盪,引致短期美國國債收益率降為負值的情況下,全美33家最大的銀行將會產生3,850億美元貸款損失。

縱使有高額貸款損失,但銀行資本穩定增加,貸款質量有所改善,以及跟危機時期訴訟相關的成本下降,這些金融機構仍然達到了聯儲局訂下之健康狀況良好的標準,那就是說即使在經濟嚴重衰退的情況下,銀行仍可以繼續放貸的運作。

33家最大的銀行今年一級資本比率均維持在至少8.4%的水平,遠高於美聯儲4.5%的最低要求,也高於去年壓力測試中7.6%的最低水平。這些銀行在2015年底開始接受這輪壓力測試時一級資本比率為12.3%。

聯儲局下星期將會公佈壓力測試的第二部分內容,當中包括監管機構決定是否允許銀行通過派息或股票回購的動作,來向股東發還資本。投資者對這結果仍會存有信心,應可抵消英國脫歐公投結果後所帶來的震盪。

電郵research@successfn.com

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