金吾财讯 | Truist Financial Corp（TFC）宣布，将正式退出次级汽车贷款业务，并已达成协议出售旗下子公司Regional Acceptance Corporation相关的55亿美元汽车贷款资产包。此举标志着该行在削减非核心及低盈利业务、优化资本效率方面迈出关键一步。本次交易涵盖Regional Acceptance几乎全部资产，预计将为Truist带来52亿美元的净收益，同时收回5.35亿美元的贷款损失准备金，并释放9.45亿美元（约合22个基点）的一级普通股权益资本（CET1）。交易完成后，该行不良贷款率（NPL）将降低逾10个基点，年化净核销率（NCO）减少约10个基点。出售所得资金将用于偿还批发借款及重组可供出售（AFS）证券组合。公司维持2026年第三季度及全年业绩预期不变，预计该动作将于2027年起提振每股收益（EPS）及有形普通股权益回报率（ROTCE）。交易预计将于2026年第三季度末或第四季度初完成。市场分析指出，在美联储货币政策转向前夕及高利率环境下，次级车贷违约风险上升，Truist果断甩掉高风险资产包，有助于提升资产质量并强化抗风险能力。
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