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HSBC is being investigated by US authorities over its hiring of people linked to Asian governments, adding to the bank’s litigation worries, which helped drag it to a fourth-quarter loss.
美國當(dāng)局正就匯豐銀行(HSBC)雇傭亞洲國家政府關(guān)聯(lián)人士對(duì)其進(jìn)行調(diào)查，這添加了外界對(duì)該行陷入法律糾紛的擔(dān)憂，訴訟已促使該行第四季度出現(xiàn)虧損。
The bank said yesterday that it was one of “multiple financial institutions” being investigated by the US Securities and Exchange Commission over its Asian hiring practices, an issue that has also plagued US lenders such as JPMorgan Chase.
匯豐昨日表示，該行是美國證券交易委員會(huì)(SEC)就亞洲雇傭行為進(jìn)行調(diào)查的“多家金融機(jī)構(gòu)”之一。這個(gè)問題也困擾著摩根大通(JPMorgan Chase)等美資銀行。
Stuart Gulliver, chief executive, said the SEC had widened its investigation from a group of US banks to include several international groups with operations in Asia.
匯豐首席執(zhí)行官歐智華(Stuart Gulliver)表示，美國證交會(huì)已拓寬調(diào)查范圍，從一組美國的銀行擴(kuò)大到包括幾家在亞洲運(yùn)營的國際集團(tuán)。
In the fourth quarter, the cost of settling litigation and of compensating UK customers for mis-sold insurance products cost HSBC more than $700m, dragging it to a surprise $858m loss for the period. The loss — at odds with analyst forecasts of a profit — came in a year of weak lending, restructuring costs and higher bad loan charges.
第四季度，為解決訴訟和支付向英國客戶不當(dāng)銷售保險(xiǎn)產(chǎn)品的賠償金，匯豐花費(fèi)了逾7億美元，使其在該季度意外虧損8.58億美元。這與分析師預(yù)測(cè)的盈利結(jié)果相左。去年期間，匯豐經(jīng)歷了貸款疲弱、重組成本，以及不良貸款減損支出上升。
The bank returned to annual pre-tax profit growth for 2015, but only by a whisker. Pre-tax profits of $18.9bn grew just 1 per cent in 2015 — an improvement on the 17 per cent drop between 2013 and 2014. Charges made for bad loans rose 17 per cent at $3.7bn, driven by increased provisions for oil and gas exposure in the fourth quarter.
2015年匯豐恢復(fù)了年度稅前利潤增長，但幅度很小，其稅前利潤達(dá)到189億美元，僅增長1%，但相對(duì)于2013-14年間17%的下跌已是改善。由于第四季度針對(duì)石油和天然氣敞口計(jì)提的撥備增加，不良貸款減損支出上升17%，至37億美元。
It took a $400m impairment charge against its $29bn oil and gas book. Mr Gulliver said that just over two-thirds of its exposure was to state-owned companies and oil majors, adding: “It is a pretty strong book, actually.”
針對(duì)總值290億美元的石油和天然氣貸款賬簿，匯豐計(jì)入4億美元的減損支出。歐智華表示，略微超過三分之二的敞口是對(duì)國有企業(yè)和大型石油公司，他補(bǔ)充道：“這實(shí)際上是一本相當(dāng)強(qiáng)勁的貸款賬簿。”
Douglas Flint, chairman, said the bank’s “diversified business model and balance sheet strength” would provide resilience against a slowdown in Chinese economic growth and a “bumpier financial environment”.
匯豐董事長范智廉(Douglas Flint)表示，該行“多元化的業(yè)務(wù)模式和資產(chǎn)負(fù)債表實(shí)力”將提供應(yīng)對(duì)中國經(jīng)濟(jì)增長放緩和“更為動(dòng)蕩的金融環(huán)境”的彈性。
The results provide the first clear picture of HSBC since it announced a “pivot to Asia” last yearinvolving shedding $5bn of costs and 50,000 jobs while shifting a sizeable chunk of its assets to more profitable areas, such as China.
自去年匯豐宣布“轉(zhuǎn)向亞洲”(pivot to Asia)戰(zhàn)略（涉及削減50億美元成本和裁減5萬工作崗位，同時(shí)將相當(dāng)一部分資產(chǎn)轉(zhuǎn)移至中國等更有利可圖的地區(qū)）以后，這些結(jié)果首度提供了有關(guān)匯豐的清晰圖景。
HSBC allayed fears among analysts that it would end its progressive dividend policy, lifting its annual payout from 50 cents to 51 cents.
匯豐消除了分析師對(duì)于該行可能結(jié)束逐年提高股息政策的憂慮，將年度股息從50美分提高至51美分。
Net profit inched down to $13.5bn last year, while revenues slid from $61.3bn to $59.8bn. Return on equity slipped from 7.3 to 7.2 per cent, well below management’s target of at least 10 per cent.
去年凈利潤小幅下降至135億美元，而營收從613億美元下滑至598億美元。股本回報(bào)率從7.3%下滑至7.2%，遠(yuǎn)低于至少10%的管理層目標(biāo)。
