Another day, another big provision from a UK-based bank for past misdemeanours. This time the culprit is HSBC, with an additional $1.1bn set aside, $800m of which relates to a forthcoming settlement with US authorities over money laundering.
又一天过去,又有一家英国银行因为过去的不当行为而计提巨额拨备。这次的问题银行是汇丰(HSBC),该行增加了11亿美元的拨备,其中8亿美元用于与美国当局就洗钱指控达成和解。
It is tempting to sweep this, along with the cost of mis-sold payment protection insurance, under the carpet. After all, the total for both issues is £2.2bn, or 12p a share, making only a small dent in the 619p share price. But what is troubling about the money laundering allegation is that $700m had been set aside for it in July. The cost has more than doubled in three months and there could be more to come. Uncertainty rarely goes down well.
对这笔支出,以及因不当销售“付款保障保险(PPI)导致的成本,汇丰肯定希望缄口不提。毕竟,两项合计22亿英镑,折合每股12便士,只会对其每股619便士的股价造成很小的影响。但洗钱指控令人担忧之处在于,汇丰已经在今年7月为此拨备了7亿美元。三个月内拨备增加了一倍多,而且还可能增加。人们是不会欢迎不确定性的。
HSBC’s saving grace is that its global spread offers diversification from the fine-hungry regulators and moribund economies of Europe and the US. Yesterday’s results for the first nine months offered some proof. The loan book grew 6 per cent, while underlying profits were up 21 per cent thanks to falling US impairment charges. Basel III core tier one capital is comfortable at more than 10 per cent, so HSBC can keep lending while rivals cut back.
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