戈斯帕奇说,花旗对于该行分配给这些抵押贷款的准备金水平仍十分满意。不过他也说,如果花旗试图出售相当比例的抵押贷款,那么这些贷款的估值须大幅减记。
That is part of what is preventing large-scale sales. Yet the assets weigh on Citi's stock, which trades at just 60% of book value.
这是花旗为防止大规模资产出售而采取的行动的一部分,但这些资产会对花旗股票产生不利影响。花旗股票目前的交易价格仅为账面净值的60%。
Citi isn't alone in such value conundrums. In its most recent financial stability report, for example, the Bank of England questioned whether U.K. bank assets were overvalued because reserves for loan losses weren't adequate. Doubts about that, it added, were likely in part responsible for big U.K. banks trading at about three-quarters of book value.
花旗并非唯一一个面临资产估值问题的银行。举例来说,英国央行(Bank of England)就在最新发布的金融稳定报告中提出质疑,英国的银行资产是否因贷款损失准备金不足而被高估。英国央行还说,有关这方面的疑虑可能也是英国大型银行股票交易价格约为其账面净值四分之三的原因之一。
For Citi's investors, though, the issue is particularly vexing. Not only are they eager to see the bank shed the assets, which tie up capital and depress return. But the bank also doesn't have the greatest track record when it comes to valuing some assets.
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