美国最大银行排名

America's Biggest Banks: JPMorgan, Wells Fargo Keep Growing While BofA, Citi Shrink

美国最大银行排名

Just how big are the nation’s biggest banks? Well, the top four alone manage roughly $8 trillion in assets.

美国最大的银行到底有多大？仅前四大银行就管理着大约8万亿美元资产。Bank of America with $2.12 trillion. The two banks are the only ones with assets exceeding $2 trillion.

摩根大通（JPMorgan Chase）位居榜首，资产达到惊人的2.46万亿美元。紧随其后的是资产为2.12万亿美元的美国银行（Bank of America）。只有这两家银行的资产超过了2万亿美元。

Citigroup, the third largest bank by assets, isn’t too far behind with $1.89 trillion and San Francisco-based Wells Fargo

按资产规模排序，花旗集团（Citigroup）排名第三，资产为1.89万亿美元，落后第二名不多。总部位于旧金山的富国银行（Wells Fargo）位居第四，资产为1.48万亿美元。

From there the 5th largest bank’s assets, Bank of New York Mellon

到了排名第五的纽约梅隆银行（Bank of New York Mellon），差距一下子拉开，其资产仅为3,710亿美元。

The ranking comes from SNL Financial which compiles the data each quarter.

排名来自市场研究公司SNL Financial，每季度编制一次。

There’s hasn’t been much change at the top of the ranking since 2011 when JPM claimed the #1 spot from BofA.

自摩根大通于2011年从美国银行手中夺走第一的殊荣以来，榜首就没有出现多大变化。

Ever since, JPM has held a steady lead over the rest of the nation’s banks–a lead that keeps getting bigger. Just a year ago in the third quarter 2012, JPM’s assets stood at $2.32 trillion; they’ve since increased 6%.

自那以后，摩根大通始终领先于美国的其他银行，而且优势不断扩大。去年第三季度，摩根大通的资产达到2.32万亿美元，今年则增长了6%。

It will be interesting to see how JPM’s assets evolve over the next 12 months. 2013 wasn’t JPM’s best. CEO Jamie Dimon reported the bank’s first quarterly loss under his watch, it paid $13 billion to settle a big case with the Department of Justice and paid out billions in other suits as well. It was also the first time the bank made a big announcement recently about shutting down a line of business; in September JPM announced it would no longer accept applications for student loans.

摩根大通的资产在过去12个月里是如何变化的？这个问题很有趣。对摩根大通而言，2013年不算太理想。CEO杰米·戴蒙（Jamie Dimon）公布了该银行在他领导下的首次出现季度亏损，该银行还向司法部支付了130亿美元，以了结一宗重大官司，并在其他诉讼案中付出了数十亿美元的代价。摩根大通最近还首次宣布关闭一项业务。今年9月，银行宣布不再接受学生贷款申请。

Wells Fargo, though #4, has also been steadily growing its asset base at a rate even higher than JPM. Over the last 12 months, Wells, lead by CEO John Stumpf, has seen its total assets jump 8% from $1.37 trillion in the third quarter of 2012. That’s the biggest increase among the big four banks.

富国银行虽然排名第四，但资产稳步增长，其速度甚至超过了摩根大通。过去12

个月里，由CEO约翰·斯坦普夫（John Stumpf）领导的富国银行总资产在2012年第三季度的1.37万亿美元基础上增长了8%。增速堪为四大银行之首。

Much of Wells’ growth is due to some key loan purchases the bank has been making overseas. The bank has picked up several loan portfolios on the cheap from banks in Europe as the market there has been struggling and institutions there look to off-load assets.

这种增长在很大程度上得益于富国银行在海外购入的若干重要贷款资产。该银行从欧洲银行手中以低价购买了几个贷款资产组合，因为欧洲市场步履维艰，因此欧洲机构希望出售资产。

Wells CFO Tim Sloan spoke about the bank’s overall loan growth at a conference last week and noted the foreign loans. “Foreign loans grew $6.9 billion or 17%, which included $4 billion from the UK CRE acquisition we completed in the third quarter, as well as growth in our trade finance business, ” he said.

富国银行首席财务官蒂姆·斯隆（Tim Sloan）在上周某次会议上谈到了该银行的整体贷款增长，并特别提及了外国贷款。“外国贷款增加69亿美元，增幅为17%，其中包括我们在第三季度完成英国CRE并购交易所获得的40亿美元，以及我们贸易融资业务的增长。”他说。

Meanwhile both Citi and Bank of America have seen their assets drop over the last few years. Just over the last 12 months both banks shed assets by about 2%.

与此同时，花旗集团和美国银行的资产在过去几年里不断下滑。在过去12个月里，这两家银行的资产减少了约2%。

Both bank have been actively selling non-core assets since the peak of the crisis in order to meet both regulator and shareholder demands.

自金融危机达到顶峰以来，这两家银行都积极出售非核心资产，以满足监管机构