渣打宣布裁员1.5万人

 　　Bill Winters has taken an axe¹ to Standard Chartered, with the emerging market bank’s new chief executive revealing plans to raise 3.3bn in a rights issue while cutting 15,000 jobs.

　　新兴市场银行渣打(Standard Chartered)的新任首席执行官比尔温特斯(Bill Winters)宣布，计划通过配股募资33亿英镑，同时裁减1.5万职位。

　　StanChart said yesterday that the job cuts, out of a total workforce² of 86,000, were part of a beefed-up restructuring programme to reduce costs by $2.9bn, after the bank suffered its first quarterly loss in 15 years.

　　现有8.6万员工的渣打昨日表示，此次裁员是一个加强版重组计划的一部分，目的是削减29亿美元成本。此前该行遭遇15年来首次季度亏损。

　　Mr Winters, a former JPMorgan investment banker hired by StanChart in May, presented details of a long-awaited strategic review, which includes moves to restructure or reduce $100bn of its $315bn of underperforming risk-weighted assets in the next three years, plans that he described as “aggressive and decisive”.

　　前摩根大通(JPMorgan)投行家、今年5月被渣打任命为CEO的温特斯，陈述了一项各方期待已久的战略评估的细节，包括在未来三年期间采取行动，将该行表现不佳的3150亿美元风险加权资产重组或减少1000亿美元。他形容这些计划是“大刀阔斧和果断的”。

　　The bank joins a number of European rivals that have recently laid out plans to cut jobs and assets, including Barclays, Deutsche Bank and Credit Suisse.

　　该行由此加入多家欧洲银行的行列，巴克莱(Barclays)、德意志银行(Deutsche Bank)和瑞信(Credit Suisse)等最近都宣布了裁员和减少资产的计划。

　　The announcements came after StanChart undershot analysts⁴’ expectations with a quarterly loss of $139m — its first since the Asian financial crisis in 1999.

　　作出上述宣布之前，渣打最近报告了逊于分析师预期的1.39亿美元季度亏损，这是自1999年亚洲金融危机以来头一回出现亏损。

　　StanChart faces further potential problems after Mr Winters said that it was the subject of two investigations⁵ by the UK’s Financial Conduct Authority into potential anti-money laundering⁶ and financial crime breaches⁷. These are separate to a probe by US regulators into potential breaches of Iran sanctions.

　　渣打还面临更多潜在问题。温特斯披露，该行是英国金融市场行为监管局(FCA)两项调查的调查对象，这些调查针对反洗钱和金融犯罪方面的违规嫌疑。与此同时，该行还因涉嫌违反针对伊朗的制裁而受到美国监管机构调查。

　　Shares in the bank, which also scrapped⁸ its final dividend⁹, were the biggest fallers on the FTSE 100, closing 6.7 per cent lower at 666p.

　　渣打还宣布不派发末期股息，该行股价昨日收盘下跌6.7%，至666便士，是富时100指数(FTSE 100)中跌幅最大的成份股。

　　StanChart’s UK-listed shares have halved¹⁰ in the past two years with investors¹¹ fearing it has lost its way as emerging market economies slowed, the commodity cycle ended and regulators cracked down on misconduct.

　　渣打在英国上市的股票价格在过去两年里跌去了一半，原因是投资者担心，随着新兴市场经济放缓，大宗商品周期结束，以及监管机构打击违规行为，该行已迷失方向。

　　“The business environment in our markets remains¹² challenging and our recent performance is disappointing,” said Mr Winters.

　　“我行所在市场的营商环境仍充满挑战，我行近期的表现令人失望，”温特斯承认。

　　The restructuring, designed to achieve a return on equity¹³ of 8 per cent by 2018 and 10 per cent by 2020, will cost the bank $3bn.

　　重组的目的是到2018年实现8%的股本回报率，到2020年实现10%的股本回报率。重组本身将给该行带来30亿美元成本。

　　Much of the hoped-for cost savings¹⁴ will be reinvested into better performing parts of the bank, such as private banking¹⁵, Africa and renminbi services as well as improved technology and compliance¹⁶.

　　在希望实现的成本节省中，相当大一部分将重新投入该行表现较好的部门，如私人银行、非洲及人民币业务，还有一部分将投资于技术和合规方面。

　　Some analysts were underwhelmed by StanChart’s plans. “Is 8 per cent return on equity by 2018 enough? It is not very inspiring,” said Ronit Ghose, analyst³ at Citigroup. “But maybe that is where banking is today.”

　　一些分析师对渣打的计划评价不高。“2018年达到8%的股本回报率就够了吗？这不是太令人振奋，”花旗集团(Citigroup)分析师罗妮特戈斯(Ronit Ghose)表示，“但或许今日银行业就是那个水平。”

1 axe   

n.斧子；v.用斧头砍，削减

参考例句：

• Be careful with that sharp axe.那把斧子很锋利，你要当心。
• The edge of this axe has turned.这把斧子卷了刃了。

2 workforce   

n.劳动大军，劳动力

参考例句：

• A large part of the workforce is employed in agriculture.劳动人口中一大部分受雇于农业。
• A quarter of the local workforce is unemployed.本地劳动力中有四分之一失业。

3 analyst   

n.分析家，化验员；心理分析学家

参考例句：

• What can you contribute to the position of a market analyst?你有什么技能可有助于市场分析员的职务？
• The analyst is required to interpolate values between standards.分析人员需要在这些标准中插入一些值。

4 analysts   

分析家，化验员( analyst的名词复数 )

参考例句：

• City analysts forecast huge profits this year. 伦敦金融分析家预测今年的利润非常丰厚。
• I was impressed by the high calibre of the researchers and analysts. 研究人员和分析人员的高素质给我留下了深刻印象。

5 investigations   

（正式的）调查( investigation的名词复数 )； 侦查； 科学研究； 学术研究

参考例句：

• His investigations were intensive and thorough but revealed nothing. 他进行了深入彻底的调查，但没有发现什么。
• He often sent them out to make investigations. 他常常派他们出去作调查。

6 laundering   

n.洗涤（衣等），洗烫（衣等）；洗（钱）v.洗（衣服等），洗烫（衣服等）( launder的现在分词 )；洗（黑钱）（把非法收入改头换面，变为貌似合法的收入）

参考例句：

• Separate the white clothes from the dark clothes before laundering. 洗衣前应当把浅色衣服和深色衣服分开。 来自《简明英汉词典》
• He was charged with laundering money. 他被指控洗钱。 来自《简明英汉词典》

7 breaches   

破坏( breach的名词复数 )； 破裂； 缺口； 违背

参考例句：

• He imposed heavy penalties for breaches of oath or pledges. 他对违反誓言和保证的行为给予严厉的惩罚。
• This renders all breaches of morality before marriage very uncommon. 这样一来，婚前败坏道德的事就少见了。

8 scrapped   

废弃(scrap的过去式与过去分词)； 打架

参考例句：

• This machine is so old that it will soon have to be scrapped. 这架机器太旧，快报废了。
• It had been thought that passport controls would be scrapped. 人们曾认为会放开护照管制。

9 dividend   

n.红利，股息；回报，效益

参考例句：

• The company was forced to pass its dividend.该公司被迫到期不分红。
• The first quarter dividend has been increased by nearly 4 per cent.第一季度的股息增长了近 4%。

10 halved   

v.把…分成两半( halve的过去式和过去分词 )；把…减半；对分；平摊

参考例句：

• The shares have halved in value . 股价已经跌了一半。
• Overall operating profits halved to $24 million. 总的营业利润减少了一半，降至2，400 万元。 来自《简明英汉词典》

11 investors   

n.投资者，出资者( investor的名词复数 )

参考例句：

• a con man who bilked investors out of millions of dollars 诈取投资者几百万元的骗子
• a cash bonanza for investors 投资者的赚钱机会

12 remains   

n.剩余物，残留物；遗体，遗迹

参考例句：

• He ate the remains of food hungrily.他狼吞虎咽地吃剩余的食物。
• The remains of the meal were fed to the dog.残羹剩饭喂狗了。

13 equity   

n.公正，公平，（无固定利息的）股票

参考例句：

• They shared the work of the house with equity.他们公平地分担家务。
• To capture his equity,Murphy must either sell or refinance.要获得资产净值，墨菲必须出售或者重新融资。

14 savings   

n.存款，储蓄

参考例句：

• I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
• By this time he had used up all his savings.到这时，他的存款已全部用完。

15 banking   

n.银行业，银行学，金融业

参考例句：

• John is launching his son on a career in banking.约翰打算让儿子在银行界谋一个新职位。
• He possesses an extensive knowledge of banking.他具有广博的银行业务知识。

16 compliance   

n.顺从；服从；附和；屈从

参考例句：

• I was surprised by his compliance with these terms.我对他竟然依从了这些条件而感到吃惊。
• She gave up the idea in compliance with his desire.她顺从他的愿望而放弃自己的主意。