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HSBC is selling most of its US retail banking business
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汇丰银行出售其大部分美国零售银行业务
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By Michelle
Toh, CNN Business
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记者：Michelle Toh，CNN
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Updated
12:55 AM ET, Thu May 27, 2021
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2021 年 5 月 27 日星期四
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Hong Kong (CNN Business)HSBC is winding down much of its US business to turn its
attention to richer clients.
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香港汇丰银行正在缩减其大部分美国业务，将注意力转向大客户。
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The
British bank announced Wednesday that it was closing most of its retail
banking locations in the country, reducing its current footprint from 148
branches to about 25. Those that will remain will be turned into
international wealth management centers.
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汇丰银行周三宣布，将关闭其在美国的大部分零售银行网点，将其目前的分支机构从 148 家减少到约 25 家，该25家网点将转型为国际财富管理中心。
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While HSBC (HBCYF) will remain in the
United States, its team there will switch the focus of its retail business to
“international banking and wealth management” — and specifically
the “needs of globally connected affluent and high net worth
clients,” it said in a statement.
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在近日的一份声明中，汇丰银行表示，虽然将继续保留其美国的业务，但其在美国的团队将把零售业务的重点转向“国际银行和财富管理”——尤其是“财富覆盖全球的富人和高净值客户的需求”。
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The
decision to pull back was widely anticipated. HSBC has repeatedly warned of
the need to cut costs in recent years, especially in the United
States, where it has long struggled to gain a foothold among everyday
consumers.
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汇丰的撤出，市场早有预期。汇丰银行近年来一再发出需要削减成本的警告——尤其是在美国，汇丰银行在这里一直难以在日常消费者中站稳脚跟。
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“We are pleased to announce
the sale of the domestic mass market of our US retail banking business. They
are good businesses, but we lacked the scale to compete,” CEO Noel Quinn
said in the statement.
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“我们很高兴宣布出售我们美国国内大众市场零售银行业务。零售银行业务是很有潜力的业务，但很遗憾，我们的竞争力不够，”首席执行官 Noel Quinn 在声明中说。
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It said Wednesday that Citizens
Bank, for example, which is based in Rhode Island, had agreed to buy its
retail unit on the East Coast, as well as an online portfolio, which spans
roughly 800,000 customers and 80 branches.
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汇丰银行周三表示，总部位于罗德岛的公民银行已同意购买其在东海岸的零售部门，及一个覆盖大约 80万 名客户和 80 家分行的在线投资组合。
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Over on the West Coast, Cathay
Bank, which bills itself as the “oldest operating bank”
in the country founded by Chinese Americans, plans to purchase HSBC’s retail operations,
which includes 10 branches and roughly 50,000 customers.
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在西海岸，国泰银行计划收购汇丰银行的零售业务，其中包括 10 家分行和大约 5万 名客户。国泰银行由华裔美国人创立，自称是美国“最古老的运营银行”。
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Both
deals are pending regulatory approval.
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上述两项交易都在等待监管部门的批准。
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HSBC
is under pressure to dispose of its small network of retail banks on the east
coast of the United States, including this branch in New York
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汇丰面临出售其在美国东海岸的小型零售银行网络的压力，其中包括纽约的这家分行
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SCOTT
EELLS/BLOOMBERG/GETTY IMAGES
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SCOTT
EELLS//彭博社/盖蒂图片社
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HSBC,
which makes most of its money in Asia, has been increasingly shifting
resources to the region lately.
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汇丰银行的大部分资金都在亚洲，最近汇丰银行正在越来越多地将其资源转移到亚太地区。
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| The bank told investors earlier this year that it was planning to “step up” its investments there by about $6 billion, with a focus on China, southeast Asia and India as “key drivers” of its future growth. |
汇丰银行今年早些时候就曾向投资者表示，其计划“增加”在亚洲的投资约 60 亿美元，重点放在中国、东南亚和印度，作为其未来增长的“主要驱动力”。
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The
company specifically wants to build up its presence in mainland China, defend
its leading position in Hong Kong and establish Singapore as a wealth
management hub. And it remains bullish on India, which produced $1 billion of
profit for the bank last year.
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汇丰银行特别希望在中国大陆建立业务，捍卫其在香港的领先地位，并将新加坡打造成财富管理中心。它仍然看好印度市场，印度市场去年为汇丰银行创造了 10 亿美元的利润。
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HSBC is also relocating some
key personnel. Last month, it said that it would move four of its top
executives to Hong Kong later this year, though a spokesperson confirmed that
both Quinn and chief financial officer Ewen Stevenson would stay in London.
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汇丰银行也在重新安置一些关键人员。上个月，汇丰银行表示将在今年晚些时候将四名高管调往香港，不过一位发言人证实奎因和首席财务官埃文·史蒂文森都将留在伦敦。
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