美多家银行同意支付抵押贷款索赔

US banks agreed to pay out more than $20bn yesterday to settle claims arising from the mortgage crisis, with compensation for bad loans wiping out most of Bank of America’s earnings for a second successive quarter.

美国多家银行昨日同意支付200亿美元了结抵押贷款危机产生的索赔。针对不良贷款的赔偿连续第二个季度消耗掉美国银行(BofA)的大部分盈利。

Five years after the financial crisis, BofA, the second-biggest US bank by assets, agreed to pay $11.6bn to Fannie Mae, the government-controlled mortgage company, to resolve a protracted legal battle over bad loans.

按资产计，美国银行是美国第二大银行。在金融危机发生5年之后，美国银行同意向政府控制的抵押贷款公司房利美(Fannie Mae)支付116亿美元，以解决一场围绕不良贷款的漫长诉讼。

In a separate settlement, 10 mortgage lenders, including BofA, Wells Fargo, JPMorgan Chase and Citigroup, agreed to pay more than $8bn to settle regulators’ allegations that they were guilty of widespread abuse of the foreclosure system that allowed banks to seize homes from defaulting borrowers.

在另一项和解中，包括美国银行、富国银行(Wells Fargo)、摩根大通(JPMorgan)和花旗集团(Citigroup)在内的10家抵押贷款机构同意支付80多亿美元，以洗脱监管机构指控它们大范围滥用抵押品赎回制度的罪名。该制度使银行能够收回违约借款人的住宅。

The two settlements add to the tens of billions banks have already paid out in fines and compensation for loose lending standards in the run-up to the financial crisis and the lax manner in which they dealt with home repossessions.

在达成这两项和解之前，各家银行已经因金融危机之前贷款标准过于宽松、收回住宅的方式不够严谨而支付数百亿美元的罚款和赔偿。

BofA said the multibillion-dollar legal settlement would reduce its fourth-quarter pre-tax profit by $2.7bn. Analysts had expected $3.5bn in pre-tax profit next week.

美国银行表示，因为这场逾百亿美元的法律和解，其第四季度税前利润将减少27亿美元。分析人士此前预计，下周美国银行将报告税前利润为35亿美元。