美国银行公司（Bank of America Corp.）的股票和固定收益交易员未能达到预期，因为该行的业绩还受到与洗钱和制裁违规相关的监管处罚费用的影响。
Bank of America Corp.’s stock and fixed-income traders missed estimates as the bank’s results were also hurt by a charge tied to a regulatory penalty over money laundering and sanctions violations.
该公司周三在一份声明中表示，其交易员未能达到预期，债券交易收入下降17%至25.5亿美元，股票交易收入下降10%至25.1亿美元。
The firm’s traders missed estimates, with bond-trading revenue falling 17% to $2.55 billion and equity trading down 10% to $2.51 billion, according to a statement Wednesday.
作为美国第二大银行的美国银行还宣布了一项12亿美元的不可税前扣除费用，导致每股净利润下降17美分。该费用是针对财政部周二宣布的与洗钱和制裁违规相关的罚款，财政部表示该银行“实际上将其合规工作的关键部分外包”，以此来保护收入。该银行表示，其纠正该问题的成本已经计入其费用中。
BofA, the No. 2 US bank, also announced a $1.2 billion non-tax-deductible charge, cutting into net income by 17 cents a share. The charge is for fines, announced Tuesday by the Treasury Department, for money laundering and sanctions violations, who said the bank “effectively outsourced” a key part of its compliance efforts as it sought to protect revenue. The bank said its costs to remediate the issue are already factored into its expenses.
持续的波动总体上有利于美国银行的华尔街竞争对手，尤其是他们的股票交易部门，这些部门在经历了地缘政治风险和人工智能引发的股票剧烈波动后出现了交易活跃的日子，而较高的利率则对固定收益交易和更广泛的借贷造成压力。
Ongoing volatility has generally benefited BofA’s Wall Street competitors, especially their equity desks, which have seen busy trading days as geopolitical risks and fears about artificial intelligence whipsaw stocks, while higher interest rates are weighing on fixed-income trading and borrowing more broadly.
该公司的业绩也反映了美国消费者的健康状况，利率上升以及伊朗战争导致油价居高不下。该公司为可能出现问题的贷款预留了12.7亿美元，低于分析师预期的15亿美元。
The company’s results also offer a window into US consumer health, with interest rates rising and the war in Iran keeping gas prices high. The company set aside $1.27 billion for potentially soured loans, less than the $1.5 billion expected by analysts.
周二，高盛集团（Goldman Sachs Group Inc.）和摩根大通（JPMorgan Chase & Co.）报告称，其第三季度股票交易业绩强劲，但固定收益部门收入疲软。与此同时，花旗集团（Citigroup Inc.）的债券交易员表现惊艳，实现了至少十年来的最佳第三季度业绩；而富国银行（Wells Fargo & Co.）报告的贷款损失准备和净核销额均好于分析师预期。
On Tuesday, Goldman Sachs Group Inc. and JPMorgan Chase & Co. reported strong results from equity trading in the third quarter countered by softer revenue in their fixed-income divisions. Citigroup Inc.’s bond traders, meanwhile, surprised with their best third quarter in at least a decade, and Wells Fargo & Co. reported loan-loss provisions and net charge-offs that were better than analysts expected.
较高的利率通常有助于银行的盈利，因为这些利率会提高企业从贷款中获得的利息收入。然而，较高的借贷成本也会给消费者的还款能力带来压力。
Higher interest rates have generally helped banks’ bottom lines because they boost the amount of interest income firms collect on loans. At the same time, elevated borrowing costs put pressure on consumers’ ability to repay their debt.
总部位于北卡罗来纳州夏洛特的美国银行（Bank of America）的股票在纽约市场开盘初期（上午6点55分）下跌了3.9%。
Shares of Charlotte, North Carolina-based Bank of America, slumped 3.9% at 6:55 a.m. in early New York trading.