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JPMorgan Chase set aside $1bn in legal reserves, depressing third-quarter results yesterday, as the largest US bank by assets prepares to pay big penalties over allegations it manipulated the foreign exchange market.
摩根大通(JPMorgan Chase)又预留出10亿美元法律准备金，削弱了昨日发布的三季度财报结果。这家美国资产规模最高的银行准备因操纵外汇市场的指控支付高额罚金。
Bulking up its reserves by $1bn was more than analysts expected and took the bank’s profits for the three months to the end of September below expectations, at $5.6bn.
摩根大通将准备金提高10亿美元，高于分析师们的预期，将该行截至9月底的三季度利润压至56亿美元，逊于预期。
It is a sign that JPMorgan is close to settling enforcement action, which is being led by authorities in the UK and US, and affects more than 15 banks.
这表明，摩根大通已接近就英美当局主导的针对逾15家银行的执法行动达成和解。
Marianne Lake, chief financial officer, said the legal charge covered “a number of matters” and “did include our best estimate for FX”.
摩根大通首席财务官玛丽安•雷克(Marianne Lake)表示，这一法律费用针对“许多事项”，“确实包含我们对外汇市场调查的最佳估计”。
Banks around the world are scrambling to deal with unprecedented penalties imposed by authorities for a variety of regulatory and legal violations.
由于各种违反监管与法律规定的行为，全球许多银行正仓惶应对当局做出的前所未有的处罚。
Deutsche Bank is planning to increase its already sizeable litigation reserves this month, according to a person familiar with the matter. Analysts at Morgan Stanley estimate that Deutsche will have to add another 1.4bn to its total pot, which could bring it to 7bn.
一位知情人士称，德银(Deutsche Bank)本月计划增加其数额本已相当高的诉讼准备金。摩根士丹利(Morgan Stanley)分析师估计，德银将不得不再增加14亿欧元诉讼准备金，准备金总额可能达到70亿欧元。
Swiss rival UBS is also set to increase litigation reserves by at least several hundred million Swiss francs with its third-quarter results at the end of the month, people close to the situation said. The bank, which had a total litigation pot of SFr2bn ($2.1bn) at the end of June, disclosed last month that it was in talks with at least two authorities over a forex settlement, warning it would face “material monetary penalties”.
知情人士表示，其竞争对手瑞士的瑞银(UBS)在本月底发布三季度财报时，也即将把诉讼准备金增加至少几亿瑞士法郎。截至6月底，瑞银的诉讼准备金总额达到20亿瑞士法郎（合21亿美元）。该行上月披露，其正与至少两国当局就和解外汇市场操纵案进行谈判，并警告称，其将面临“数额很高的罚金”。
The falling euro is also a headache for European lenders, which are faced with fines in dollars or pounds at a time when the single currency is weakening. That could mean banks have to set aside more in litigation reserves.
欧元走低也令欧洲的银行感到头疼，因为在欧元贬值之际，他们面临的是以美元或英镑计价的罚金。这可能意味着，他们不得不预留出更多诉讼准备金。
JPMorgan is among six banks in talks with the UK’s Financial Conduct Authority on a simultaneous settlement that could lead to a total fine of £1.5bn over allegations that traders colluded to influence the price of a daily currencies rate.
英国金融市场行为监管局(FCA)正与6家银行就达成同时和解进行谈判，摩根大通是其中之一。这些银行的交易员被控合谋影响一种每日汇率，和解可能导致总额达15亿英镑的罚金。
