Group Inc.同意购买Truist Financial Corp.价值77亿美元的无担保个人贷款，这是该资产管理公司近期最大规模的此类交易之一，标志着其在资产支持信贷领域的扩张又向前迈出一大步。
Group Inc. has agreed to buy $7.7 billion of unsecured personal loans from Truist Financial Corp., among the asset manager’s largest such deals as it expands a push into asset-back credit.
该组合主要由信用良好的借款人所持有的固定利率贷款构成，即所谓的“优质”和“超级优质”借款人，这家总部位于华盛顿特区的公司在周五发布的一份声明中表示。这笔交易发生在卡莱尔集团与KKR & Co联手从Discover Financial Services购买价值100亿美元学生贷款的两年多之后。
The portfolio is composed mainly of fixed interest rate loans to borrowers with strong credit, or so-called “prime” and “super prime” borrowers, the Washington DC-based firm said in a statement released Friday. The deal comes a little over two years after Carlyle teamed up with KKR & Co to buy $10 billion of student loans from Discover Financial Services.
对Truist而言，此次出售有助于推动新任首席执行官迈克·莱昂斯（Mike Lyons）的战略，即提升银行对核心业务（如存款业务和企业业务）的关注，同时从其他领域抽身。这家总部位于夏洛特的银行此前已同意将价值55亿美元的汽车贷款出售给Apollo Global Management Inc.，从而结束其向接近次级消费者发放汽车贷款的业务，彭博社此前报道过。
For Truist, the sale helps propel a push by recently installed chief executive officer Mike Lyons to boost the bank’s focus on core areas, like its deposit franchise and corporate businesses, while pulling back from others. The Charlotte-based bank recently agreed to sell $5.5 billion of auto loans to Apollo Global Management Inc., ending its business of lending to near-prime consumers for cars, Bloomberg previously reported.
“银行越来越多地转向像我们这样的公司，因为我们有能力一次性处理和管理非常大的资产池，并且行动迅速，”卡莱尔集团资产支持融资部门负责人阿希尔·班萨尔（Akhil Bansal）表示，并补充称该公司将使用来自少数几家银行的期限融资来支付这笔交易。“这可以为卖方提供更多的交易执行确定性。”这笔交易是近年来银行将消费类资产出售给私人信贷公司的一系列交易中的最新一笔。
“Banks are increasingly turning to firms like ours because we have the ability to handle and manage very large pools all at once and can move quickly,” said Carlyle’s head of asset-backed finance Akhil Bansal, adding the firm is paying for the deal with term financing from a handful of banks. “That can offer more certainty of execution for sellers.”The deal is the latest in a series in recent years that have seen banks sell consumer assets to private credit firms.
面对2008年金融危机后更严格的资本规则，银行一直在稳步削减直接面向消费者的资产敞口。相反，其更多的贷款流向了资产管理公司，而这些公司通常渴望承担更多消费债务。
Faced with tougher capital rules after the 2008 financial crisis, banks have steadily trimmed exposure to assets that directly face consumers. Instead, more of their lending has gone to asset managers, who are frequently eager to take on more consumer debt.
与其他大型资产管理公司一样，卡莱尔一直在推动其在资产支持信贷方面的投资增长，这是一种基于硬性资产而非企业收益进行交易承销的融资方式。其最近的交易包括以12亿美元收购卡米诺自然资源公司在俄克拉荷马州的石油和天然气资产及财产。
Like other large asset managers, Carlyle has been pushing to grow its investments in asset-backed credit, a style of financing where investors underwrite deals based on hard assets rather than corporate earnings. Its recent deals include the $1.2 billion acquisition of oil and gas properties and assets in Oklahoma from Camino Natural Resources.
Truist在刚刚两个月前任命莱昂斯为首席执行官。股东们希望莱昂斯能够推动增长，因为该银行是在2019年由BB&T公司和桑斯特银行公司合并而成立的。
Truist made Lyons CEO just under two months ago. Shareholders are looking to Lyons to boost growth following the bank’s creation in 2019 from the merger of BB&T Corp. and SunTrust Banks Inc.