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01

0:00/1:34

These were among the assets that became the source of lending problems for regional banks in the third quarter as corporate borrowers and commercial real estate began to show more signs of strain.

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commercial real estate
상업용 부동산 분야
strain
부담, 압박

In recent weeks many mid-sized financial institutions across the country reported that nonperforming loans, a measure that tracks borrowers that are behind on their payments, rose during the third quarter. They also disclosed mounting costs from unpaid debts written off as losses.

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nonperforming loans
무수익여신/부실대출
부실채권은 재정적 어려움에 처하여 일정기간 이상 이자를 지급하지 못하거나, 높은 신용위험으로 집중적인 관리를 요하는 부실화될 우려가 높은 채무자에 대한 채권을 말합니다.
mounting
(흔히 우려스러울 정도로) 증가하는
written off
평가인하된

02

0:00/1:34

Of 18 regional banks analyzed by Yahoo Finance with assets ranging from $50 billion to $250 billion, 15 reported jumps in nonperforming loans when compared to the same year-ago period. The average rise was 80% more than the third quarter of 2022, and up 8% when compared to the second quarter of this year.

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Charge-offs — a measure of unpaid debts written off as losses — also rose at 15 of the 18 banks compared with the same year-ago period.

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charge-off
(은행에 의한 불량 채권 따위의) 상각

03

0:00/1:34

Regional banks are particularly vulnerable to commercial real estate weaknesses because they hold a lot more exposure to those properties than their larger rivals.

Many began ramping up their bets on commercial real estate in the aftermath of the 2008 financial crisis, which was triggered by a housing bust, and stuck with it even after the pandemic emptied out many city-center properties.

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ramping
증가시키는
aftermath
여파, 후유증

The issue is under scrutiny by regulators. "All of the bank regulators are working with banks that have, you know, concentrations of troubled real estate to work it out," Federal Reserve Chairman Jerome Powell said earlier this month at the New York Economics Club.

"Smaller banks have proportionately much larger exposure to real estate," he added, and "there will be losses for sure."

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scrutiny
정밀 조사, 철저한 검토
proportionately
비례해서

04

0:00/1:34

One regional bank that highlighted some of its commercial real estate challenges in the third quarter was New York Community Bank (NYCB), which said its heap of souring loans grew to $642 million. That was up 64% from last quarter and eight times as large compared to the year-ago quarter.

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sour
안 좋아진, 틀어진

When real estate loans go bad, banks can sell a borrower's property to get cash. Recovery can be more challenging with business loans since collateral can include intellectual property or cash flow in addition to real estate and equipment.

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collateral
담보물
in addition to
(~에) 덧붙여, 게다가

05

0:00/1:34

One $219 million business loan shared by several regional banks turned into a problem in August when Alpharetta, Ga.-based Mountain Express Oil filed to liquidate its holdings in Chapter-7 bankruptcy court.

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liquidate
(부채를 갚기 위해 사업체를) 청산[정리]하다
holdings
(주식, 채권 등의) 재산
Chapter-7
(미국의) 파산법 제7장(회사 청산 절차 조항) : 기업이 회생가능성이 없을 때 즉시 완전한 자산매각 및 기업청산에 들어가는 규정

The company supplies fuel to convenience stores and travel centers and leases real estate at many of those locations. Its lawyer said Mountain Express filed for bankruptcy because it was not able to work out new agreements with its major landlord after the company ran into liquidity problems.

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