미국 재무부, 연방준비제도(Federal Reserve), 연방예금보험공사(FDIC) 등은 16일 뱅크오브아메리카(BofA)에 대해 추가로 자본을 투입하고, 손실 보증도 확대할 것이라고 발표했다.
재무부와 FDIC가 BofA가 보유한 1180억 달러 규모의 자산에서 발생하는 손실을 보증하고, 재무성이 추가로 200억 달러의 공적자금을 투입하기로 했다.
연방준비제도는 남은 위험을 방어하기 위해 자산풀에 대한 비소구대출을 이용해 지원하기로 합의했다.
지난 1월 1일 메릴린치를 통합한 BofA가 메릴린치의 자산으로 부터 발생하는 손실이 예상보다 컸기 때문에 미국 정부는 씨티그룹에 이어 대형 은행에 대한 추가 지원책을 내놓았다.
다음은 3개 정부 기관이 내놓은 성명서 원문이다.
Treasury, Federal Reserve, and the FDIC Provide Assistance to Bank of America
The U.S. government entered into an agreement today with Bank of America to provide a package of guarantees, liquidity access, and capital as part of its commitment to support financial market stability.
Treasury and the Federal Deposit Insurance Corporation will provide protection against the possibility of unusually large losses on an asset pool of approximately $118 billion of loans, securities backed by residential and commercial real estate loans, and other such assets, all of which have been marked to current market value. The large majority of these assets were assumed by Bank of America as a result of its acquisition of Merrill Lynch. The assets will remain on Bank of America's balance sheet. As a fee for this arrangement, Bank of America will issue preferred shares to the Treasury and FDIC. In addition and if necessary, the Federal Reserve stands ready to backstop residual risk in the asset pool through a non-recourse loan.
In addition, Treasury will invest $20 billion in Bank of America from the Troubled Assets Relief Program in exchange for preferred stock with an 8 percent dividend to the Treasury. Bank of America will comply with enhanced executive compensation restrictions and implement a mortgage loan modification program.
Treasury exercised this funding authority under the Emergency Economic Stabilization Act's Troubled Asset Relief Program (TARP). The investment was made under the Targeted Investment Program. The objective of this program is to foster financial market stability and thereby to strengthen the economy and protect American jobs, savings, and retirement security.
Separately, the FDIC board announced that it will soon propose rule changes to its Temporary Liquidity Guarantee Program to extend the maturity of the guarantee from three to up to 10 years where the debt is supported by collateral and the issuance supports new consumer lending.
With these transactions, the U.S. government is taking the actions necessary to strengthen the financial system and protect U.S. taxpayers and the U.S. economy. As was stated in November when the first transaction under the Targeted Investment Program was announced, the U.S. government will continue to use all of our resources to preserve the strength of our banking institutions and promote the process of repair and recovery and to manage risks.
※출처: Federal Reserve
재무부와 FDIC가 BofA가 보유한 1180억 달러 규모의 자산에서 발생하는 손실을 보증하고, 재무성이 추가로 200억 달러의 공적자금을 투입하기로 했다.
연방준비제도는 남은 위험을 방어하기 위해 자산풀에 대한 비소구대출을 이용해 지원하기로 합의했다.
지난 1월 1일 메릴린치를 통합한 BofA가 메릴린치의 자산으로 부터 발생하는 손실이 예상보다 컸기 때문에 미국 정부는 씨티그룹에 이어 대형 은행에 대한 추가 지원책을 내놓았다.
다음은 3개 정부 기관이 내놓은 성명서 원문이다.
Treasury, Federal Reserve, and the FDIC Provide Assistance to Bank of America
The U.S. government entered into an agreement today with Bank of America to provide a package of guarantees, liquidity access, and capital as part of its commitment to support financial market stability.
Treasury and the Federal Deposit Insurance Corporation will provide protection against the possibility of unusually large losses on an asset pool of approximately $118 billion of loans, securities backed by residential and commercial real estate loans, and other such assets, all of which have been marked to current market value. The large majority of these assets were assumed by Bank of America as a result of its acquisition of Merrill Lynch. The assets will remain on Bank of America's balance sheet. As a fee for this arrangement, Bank of America will issue preferred shares to the Treasury and FDIC. In addition and if necessary, the Federal Reserve stands ready to backstop residual risk in the asset pool through a non-recourse loan.
In addition, Treasury will invest $20 billion in Bank of America from the Troubled Assets Relief Program in exchange for preferred stock with an 8 percent dividend to the Treasury. Bank of America will comply with enhanced executive compensation restrictions and implement a mortgage loan modification program.
Treasury exercised this funding authority under the Emergency Economic Stabilization Act's Troubled Asset Relief Program (TARP). The investment was made under the Targeted Investment Program. The objective of this program is to foster financial market stability and thereby to strengthen the economy and protect American jobs, savings, and retirement security.
Separately, the FDIC board announced that it will soon propose rule changes to its Temporary Liquidity Guarantee Program to extend the maturity of the guarantee from three to up to 10 years where the debt is supported by collateral and the issuance supports new consumer lending.
With these transactions, the U.S. government is taking the actions necessary to strengthen the financial system and protect U.S. taxpayers and the U.S. economy. As was stated in November when the first transaction under the Targeted Investment Program was announced, the U.S. government will continue to use all of our resources to preserve the strength of our banking institutions and promote the process of repair and recovery and to manage risks.
※출처: Federal Reserve
