摩根大通再預留10億美元法律準備金
JPMorgan Chase set aside $1bn in legal reserves, depressing third-quarter results yesterday, as the largest US bank by assets prepares to pay big penalties over allegations it manipulated the foreign exchange market.
摩根大通(JPMorgan Chase)又預留出10億美元法律準備金，削弱了昨日發佈的三季度財報結果。這家美國資產規模最高的銀行準備因操縱外匯市場的指控支付高額罰金。
Bulking up its reserves by $1bn was more than analysts expected and took the bank’s profits for the three months to the end of September below expectations, at $5.6bn.
摩根大通將準備金提高10億美元，高於分析師們的預期，將該行截至9月底的三季度利潤壓至56億美元，遜於預期。It is a sign that JPMorgan is close to settling enforcement action, which is being led by authorities in the UK and US, and affects more than 15 banks.
這表明，摩根大通已接近就英美當局主導的針對逾15家銀行的執法行動達成和解。
Marianne Lake, chief financial officer, said the legal charge covered “a number of matters” and “did include our best estimate for FX”.
摩根大通首席財務官瑪麗安•雷克(Marianne Lake)表示，這一法律費用針對“許多事項”，“確實包含我們對外匯市場調查的最佳估計”。Banks around the world are scrambling to deal with unprecedented penalties imposed by authorities for a variety of regulatory and legal violations.
由於各種違反監管與法律規定的行爲，全球許多銀行正倉惶應對當局做出的前所未有的處罰。Deutsche Bank is planning to increase its already sizeable litigation reserves this month, according to a person familiar with the matter. Analysts at Morgan Stanley estimate that Deutsche will have to add another 1.4bn to its total pot, which could bring it to 7bn.
一位知情人士稱，德銀(Deutsche Bank)本月計劃增加其數額本已相當高的訴訟準備金。摩根士丹利(Morgan Stanley)分析師估計，德銀將不得不再增加14億歐元訴訟準備金，準備金總額可能達到70億歐元。Swiss rival UBS is also set to increase litigation reserves by at least several hundred million Swiss francs with its third-quarter results at the end of the month, people close to the situation said. The bank, which had a total litigation pot of SFr2bn ($2.1bn) at the end of June, disclosed last month that it was in talks with at least two authorities over a forex settlement, warning it would face “material monetary penalties”.
知情人士表示，其競爭對手瑞士的瑞銀(UBS)在本月底發佈三季度財報時，也即將把訴訟準備金增加至少幾億瑞士法郎。截至6月底，瑞銀的訴訟準備金總額達到20億瑞士法郎（合21億美元）。該行上月披露，其正與至少兩國當局就和解外匯市場操縱案進行談判，並警告稱，其將面臨“數額很高的罰金”。The falling euro is also a headache for European lenders, which are faced with fines in dollars or pounds at a time when the single currency is weakening. That could mean banks have to set aside more in litigation reserves.
歐元走低也令歐洲的銀行感到頭疼，因爲在歐元貶值之際，他們面臨的是以美元或英鎊計價的罰金。這可能意味着，他們不得不預留出更多訴訟準備金。JPMorgan is among six banks in talks with the UK’s Financial Conduct Authority on a simultaneous settlement that could lead to a total fine of £1.5bn over allegations that traders colluded to influence the price of a daily currencies rate.
英國金融市場行爲監管局(FCA)正與6家銀行就達成同時和解進行談判，摩根大通是其中之一。這些銀行的交易員被控合謀影響一種每日匯率，和解可能導致總額達15億英鎊的罰金。
