First Horizon周四表示，已达成一项交易，出售约45亿美元的部分低收益消费抵押贷款，旨在提升其收益。
First Horizon said on Thursday it had struck a deal to sell about $4.5 billion of select lower-yielding consumer mortgages, as the US regional lender looks to boost its earnings.
该银行总部位于田纳西州孟菲斯的股票在早盘交易中跳涨4%，但截至上次收盘今年已下跌5%。以下是其他细节：抵押业务的重组是First Horizon更广泛的资产负债表改革及聚焦核心客户的举措之一。
Shares of the Memphis, Tennessee-based bank, which jumped 4% in morning trading, have slipped 5% this year as of last close. Here are some other details:
住宅抵押贷款的出售将提升该行的贷款存款比率，释放资产负债表容量，并支持回购股份。
The realignment of the mortgage business is part of a broader push by First Horizon to overhaul its balance sheet and focus on core customers.
花旗分析师Benjamin Gerlinger表示：“这些战略行动清理了资产负债表的外观，可能会使未来的业务更具盈利性。”
The residential mortgage loan sale will improve the bank's loan-to-deposit ratio, free up balance sheet capacity and support share buybacks.
First Horizon第三季度出现亏损，较去年同期转为亏损，因为其在待售抵押贷款组合上计提了4.73亿美元的损失。
"The strategic actions clean up the optics of the balance sheet and likely produce a more profitable franchise going forward," Citi analyst Benjamin Gerlinger said.
该行截至9月30日资产为843亿美元，计划在未来几个季度将部分抵押贷款出售所得重新投向收益更高的贷款。
First Horizon swung to a loss in the third quarter from a year earlier, as it booked a $473 million loss on the pending mortgage portfolio sale.
Jefferies分析师David Chiaverini表示：“我们预计讨论将集中在收益如何快速重新投向收益更高的商业贷款，以及存款成本压力是否足以缓解，从而在逆周期费用收入减弱时支撑净利息收入（NII）。”他补充说，本季度最大的收获是抵押业务的重组。
The bank, which had $84.3 billion in assets as of September 30, plans to partially redeploy proceeds from the mortgage sale into higher-yielding loans in the coming quarters. "We expect the debate to center on how quickly the proceeds are redeployed into higher-yielding commercial loans and whether deposit cost pressure eases enough to support NII as countercyclical fee income softens," Jefferies analyst David Chiaverini said, adding the biggest takeaway from the quarter was the mortgage business realignment.
该笔出售预计将在第四季度完成，预计将使2027年税后利润提升4%。
The sale, which is expected to close in the fourth quarter, is anticipated to boost 2027 profit by 4% after tax.