投资者在监管处罚意外击中华尔街、银行第三季度业绩未达预期后抛售美国银行股票，使得全美第二大银行面临艰难的一天。
Investors dumped shares of Bank of America after a steep regulatory penalty caught Wall Street off guard and its third-quarter earnings missed forecasts, putting the second-largest bank on pace for a bruising day.
美国银行试图在与分析师通话中安抚市场，讨论周三早些时候发布的业绩报告。财政部在数小时前因所谓监控和报告潜在金融犯罪的系统不足，对该银行处以12亿美元罚款。即使剔除监管罚款，第三季度业绩仍未达到华尔街预期。
Bank of America sought to reassure the street on a call with analysts to discuss results released early Wednesday, hours after the Treasury Department slapped the bank with a $1.2 billion fine tied to what officials called insufficient systems to monitor and report possible financial crimes. The third-quarter results came in short of Wall Street expectations, even with the regulatory fine excluded.
午盘时，股价下跌约6%，至每股约51美元，而更广泛的市场和其他银行股票仅小幅下跌。该股正朝着自2025年4月关税混乱冲击银行以来的最大单日百分比跌幅靠近，且自8月高点以来已累计下跌20%。
At midday the stock had dropped roughly 6% to around $51 a piece, while the broader market and other bank stocks were slightly lower. It was on pace for its largest percent decrease since April 2025 when tariff chaos hammered banks, and it has now lost 20% since its high in August.
美国银行高管表示，该行一直在与监管机构合作多个季度，并投入数十亿美元打击金融犯罪。相关费用已被计入，因罚款导致该行截至9月结束的季度每股收益减少17美分。
Bank of America executives said the bank has been working with regulators for a number of quarters and invested billions of dollars to combat financial crime. Related expenses have been factored in after the fine knocked 17 cents a share off its earnings for the quarter that ended in September.
首席执行官布赖恩·莫伊尼汉告诉分析师，银行在与监管机构多次协商后“已解决政府讨论”。“关键在于就解决方案达成一致，而我们已经做到了，”莫伊尼汉说。
Chief Executive Brian Moynihan told analysts the bank had “resolved the government discussion” after some back and forth with regulators“The key was to get agreement to what the resolution was, and that we have,” Moynihan said.
通话中的分析师因监管罚款——其中包括货币监理署处创纪录的7.5亿美元民事罚款——而质疑银行的信心，并追问是否还有更多处罚待遇。
Analysts on the call pressed Bank of America on confidence issues because of the regulatory fine, which included a record $750 million civil money penalty from the Office of the Comptroller of the Currency, and questioned whether there was more to come.
摩根大通分析师维韦克·朱恩贾表示，这是一次惊喜，因为该行此前曾称该问题已计入其运营速率。
JPMorgan analyst Vivek Juneja called it a surprise after the bank earlier said the issue was already factored into the run rate.
“但显然你今天早上已经面临巨大压力，”他在分析师电话会议上说。“显然这是一个声誉和信任问题。”美国银行表示，第三季度利润降至69亿美元，而收入接近300亿美元，仅略低于此数。销售和交易收入较去年同期下降约5%。
“Yet clearly you’ve had a huge charge this morning,” he said on the analyst call. “Obviously it’s a reputational and confidence issue.”Bank of America said profit fell to $6.9 billion for the third quarter, while revenue increased to just shy of $30 billion. Sales and trading revenue was down around 5% from a year earlier.
周三，美国银行被货币监理署（OCC）再次指控为多家机构之一，涉嫌不当关闭客户账户。银行方面表示，避免某些行业或客户的决定符合反洗钱法规，或是对其他监管压力的回应。
Separately on Wednesday, Bank of America was among the institutions the OCC again alleged had improperly closed accounts of customers. Banks have said decisions to avoid certain industries or clients are in accord with anti-money-laundering laws or are in response to other regulatory pressures.
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