<p><strong>富國銀行</strong>(WFC 0.79%) 在監管機構因假賬户醜聞對其增長施加限制七年多後，終於走出了懲罰期。</p>
<p>投資者鬆了一口氣，截至東部時間上午 10 點，富國銀行的股價上漲了 3%。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MjA1NjYvd2VsbHMtZmFyZ28tYnJhbmNoLXNvdXJjZS13ZmMuanBnJnc9NzAw?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MjA1NjYvd2VsbHMtZmFyZ28tYnJhbmNoLXNvdXJjZS13ZmMuanBnJnc9NzAw"/></p>
<p>圖片來源：富國銀行。</p>
<h2>自由增長</h2>
<p>對於富國銀行來説，這是失去的十年。近十年前，這家商業銀行巨頭披露其為推動增長而開設了數百萬個未經授權的客户賬户。2018 年，聯邦儲備委員會對富國銀行的總資產施加了上限，限制了該銀行的增長能力，直到監管機構確信富國銀行已經吸取了教訓。</p>
<p>週二晚些時候，富國銀行表示，聯邦儲備委員會已確定該銀行滿足解除上限的所有條件。</p>
<p>首席執行官查理·沙夫稱這一決定是 “我們轉型富國銀行旅程中的一個關鍵里程碑”，並表示該銀行已準備好迎接增長。</p>
<p>沙夫表示：“我們一直在有條不紊地投資公司的未來，同時改善我們的財務業績和形象。我們很高興能夠繼續推進計劃，以一種有條理的方式進一步提高回報和增長，這得益於我們所做的流程和文化變革。”</p>
<h2>富國銀行的股票值得買嗎？</h2>
<p>根據一些估計，在上限施加期間，富國銀行錯失了超過 390 億美元的利潤。雖然無法彌補失去的時間，但這一數據為該銀行未來的增長潛力提供了一些背景。</p>
<p>自 2019 年加入以來，沙夫對富國銀行進行了許多變革，通過出售包括商業抵押貸款服務部門和學生貸款業務在內的業務，簡化了其龐大的業務結構。聯邦儲備委員會的行動使富國銀行能夠擴大其貸款業務，並在其資產負債表上保留更多這些貸款，同時增加其存款基礎。</p>
<p>富國銀行擁有全國性的特許經營和穩健的領導力。該銀行在未來幾年內有望超越同行。</p>

富國銀行

<p>富國銀行的股價在美聯儲解除因假賬户醜聞而施加的增長限制後上漲了 3%。首席執行官查理·沙夫（Charlie Scharf）將這一決定形容為一個關鍵的里程碑，使銀行能夠擴大其貸款和存款基礎。在過去十年中，富國銀行因這些限制錯失了約 390 億美元的利潤。隨着近期的變化和對增長的關注，該銀行有望在未來超越同行</p>

<p><strong>Wells Fargo</strong>(WFC 0.79%) is out of the penalty box, more than seven years after regulators put limits on growth in response to a fake-accounts scandal.</p>
<div class="lb-trans"><p><strong>富國銀行</strong>(WFC 0.79%) 在監管機構因假賬户醜聞對其增長施加限制七年多後，終於走出了懲罰期。</p>
</div><p>Investors are relieved, sending Wells Fargo shares up 3% as of 10 a.m. ET.</p>
<div class="lb-trans"><p>投資者鬆了一口氣，截至東部時間上午 10 點，富國銀行的股價上漲了 3%。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MjA1NjYvd2VsbHMtZmFyZ28tYnJhbmNoLXNvdXJjZS13ZmMuanBnJnc9NzAw" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F820566%2Fwells-fargo-branch-source-wfc.jpg&amp;op=resize&amp;w=700"/></p>
<p>Image source: Wells Fargo.</p>
<div class="lb-trans"><p>圖片來源：富國銀行。</p>
</div><h2>Freedom to grow</h2>
<div class="lb-trans"><h2>自由增長</h2>
</div><p>It has been a lost decade for Wells Fargo. Nearly 10 years ago, the commercial banking powerhouse disclosed it had opened millions of unauthorized customer accounts to pad growth. In 2018, the Federal Reserve placed caps on Wells Fargo's total assets, limiting the bank's ability to grow until the regulator was convinced Wells Fargo had learned its lesson.</p>
<div class="lb-trans"><p>對於富國銀行來説，這是失去的十年。近十年前，這家商業銀行巨頭披露其為推動增長而開設了數百萬個未經授權的客户賬户。2018 年，聯邦儲備委員會對富國銀行的總資產施加了上限，限制了該銀行的增長能力，直到監管機構確信富國銀行已經吸取了教訓。</p>
</div><p>Late Tuesday, Wells Fargo said the Fed had determined the bank has met all conditions to have the caps removed.</p>
<div class="lb-trans"><p>週二晚些時候，富國銀行表示，聯邦儲備委員會已確定該銀行滿足解除上限的所有條件。</p>
</div><p>CEO Charlie Scharf called the decision &#34;a pivotal milestone in our journey to transform Wells Fargo,&#34; and said the bank is primed for growth.</p>
<div class="lb-trans"><p>首席執行官查理·沙夫稱這一決定是 “我們轉型富國銀行旅程中的一個關鍵里程碑”，並表示該銀行已準備好迎接增長。</p>
</div><p>&#34;We have been methodically investing in the company's future while improving our financial results and profile,&#34; Scharf said. &#34;We are excited to continue to move forward with plans to further increase returns and growth in a deliberate manner supported by the processes and cultural changes we have made.&#34;</p>
<div class="lb-trans"><p>沙夫表示：“我們一直在有條不紊地投資公司的未來，同時改善我們的財務業績和形象。我們很高興能夠繼續推進計劃，以一種有條理的方式進一步提高回報和增長，這得益於我們所做的流程和文化變革。”</p>
</div><h2>Is Wells Fargo stock a buy?</h2>
<div class="lb-trans"><h2>富國銀行的股票值得買嗎？</h2>
</div><p>By some estimates, Wells Fargo missed out on upward of $39 billion in profits during the years the caps were in place. There's no way to make up for lost time, but the stat provides some context about the bank's potential to grow from here.</p>
<div class="lb-trans"><p>根據一些估計，在上限施加期間，富國銀行錯失了超過 390 億美元的利潤。雖然無法彌補失去的時間，但這一數據為該銀行未來的增長潛力提供了一些背景。</p>
</div><p>Scharf has made a lot of changes to Wells Fargo since joining in 2019, simplifying its sprawling business by selling businesses including its commercial mortgage servicing unit and student loan operation. The Fed's action frees Wells Fargo to expand its lending business and keep more of those loans on its balance sheet, as well as grow its deposit base.</p>
<div class="lb-trans"><p>自 2019 年加入以來，沙夫對富國銀行進行了許多變革，通過出售包括商業抵押貸款服務部門和學生貸款業務在內的業務，簡化了其龐大的業務結構。聯邦儲備委員會的行動使富國銀行能夠擴大其貸款業務，並在其資產負債表上保留更多這些貸款，同時增加其存款基礎。</p>
</div><p>Wells Fargo has a nationwide franchise and solid leadership. The bank is well positioned to outperform its peers in the years to come.</p>
<div class="lb-trans"><p>富國銀行擁有全國性的特許經營和穩健的領導力。該銀行在未來幾年內有望超越同行。</p>
</div>

Why Wells Fargo Shares Are Up Today

- 富國銀行在監管限制解除後，股價上漲 3%。  
- 該行已滿足美聯儲解除資產上限的所有條件。  
- CEO 表示將繼續推動增長和提高回報。

為什麼富國銀行的股價今天上漲