First Horizon Announces Results of its 2025 Company-Run Stress Test
First Horizon (NYSE:FHN) has released its 2025 company-run capital stress test results, demonstrating strong financial resilience under hypothetical severe economic scenarios. The bank's minimum Common Equity Tier 1 (CET1) Capital ratio would remain at 9.7%, significantly above the required 4.5% regulatory minimum, providing approximately $4 billion of additional pre-tax loss absorption capacity.
The stress test revealed a loan portfolio stressed loss rate of 2.3%, considerably lower than the Federal Reserve-published median DFAST result of 6.1%. The company's pre-provision net revenue as a percentage of total assets stands at 4.7%, outperforming the peer median of 2.3%, supported by its counter-cyclical businesses.
First Horizon (NYSE:FHN) ha pubblicato i risultati del test di stress sul capitale aziendale per il 2025, dimostrando una solida resilienza finanziaria anche in scenari economici ipoteticamente severi. Il rapporto minimo di Common Equity Tier 1 (CET1) rimarrebbe al 9,7%, ben al di sopra del minimo regolamentare richiesto del 4,5%, garantendo una capacit脿 aggiuntiva di assorbimento delle perdite ante imposte di circa 4 miliardi di dollari.
Il test di stress ha evidenziato un tasso di perdita sul portafoglio prestiti stressato del 2,3%, significativamente inferiore al risultato mediano DFAST pubblicato dalla Federal Reserve del 6,1%. Il reddito netto ante accantonamenti in percentuale del totale attivi 猫 pari al 4,7%, superando la mediana dei concorrenti del 2,3%, grazie al supporto delle sue attivit脿 contro-cicliche.
First Horizon (NYSE:FHN) ha publicado los resultados de su prueba de estr茅s de capital interna para 2025, demostrando una fuerte resiliencia financiera bajo escenarios econ贸micos hipot茅ticamente severos. La proporci贸n m铆nima de Capital Com煤n de Nivel 1 (CET1) se mantendr铆a en 9,7%, muy por encima del m铆nimo regulatorio requerido del 4,5%, proporcionando una capacidad adicional de absorci贸n de p茅rdidas antes de impuestos de aproximadamente 4 mil millones de d贸lares.
La prueba de estr茅s revel贸 una tasa de p茅rdida estresada de la cartera de pr茅stamos del 2,3%, considerablemente menor que el resultado mediano DFAST publicado por la Reserva Federal del 6,1%. Los ingresos netos antes de provisiones como porcentaje del total de activos es del 4,7%, superando la mediana de sus pares del 2,3%, apoyado por sus negocios contrac铆clicos.
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First Horizon (NYSE:FHN) a publi茅 les r茅sultats de son test de r茅sistance interne sur le capital pour 2025, d茅montrant une forte r茅silience financi猫re face 脿 des sc茅narios 茅conomiques hypoth茅tiquement s茅v猫res. Le ratio minimal de Common Equity Tier 1 (CET1) resterait 脿 9,7%, bien au-dessus du minimum r茅glementaire requis de 4,5%, offrant une capacit茅 suppl茅mentaire d'absorption des pertes avant imp么ts d'environ 4 milliards de dollars.
Le test de r茅sistance a r茅v茅l茅 un taux de perte stress茅 sur le portefeuille de pr锚ts de 2,3%, nettement inf茅rieur au r茅sultat m茅dian DFAST publi茅 par la R茅serve f茅d茅rale de 6,1%. Le revenu net avant provisions en pourcentage du total des actifs est de 4,7%, surpassant la m茅diane des pairs de 2,3%, soutenu par ses activit茅s contracycliques.
First Horizon (NYSE:FHN) hat die Ergebnisse seines unternehmenseigenen Kapitalstresstests f眉r 2025 ver枚ffentlicht und zeigt damit eine starke finanzielle Widerstandsf盲higkeit unter hypothetisch schweren wirtschaftlichen Szenarien. Die minimale Common Equity Tier 1 (CET1) Kapitalquote w眉rde bei 9,7% bleiben, deutlich 眉ber dem vorgeschriebenen regulatorischen Mindestwert von 4,5%, und bietet eine zus盲tzliche Vorsteuer-Verlustabsorptionskapazit盲t von etwa 4 Milliarden US-Dollar.
Der Stresstest ergab eine gestresste Verlustquote im Kreditportfolio von 2,3%, die deutlich unter dem von der Federal Reserve ver枚ffentlichten medianen DFAST-Ergebnis von 6,1% liegt. Der Nettoertrag vor R眉ckstellungen als Prozentsatz der Gesamtaktiva liegt bei 4,7% und 眉bertrifft damit den Peer-Medianwert von 2,3%, unterst眉tzt durch seine antizyklischen Gesch盲ftsbereiche.
- CET1 ratio of 9.7% significantly exceeds 4.5% regulatory minimum
- Strong $4 billion pre-tax loss absorption capacity
- Low loan portfolio stressed loss rate of 2.3% vs. 6.1% industry median
- Pre-provision net revenue of 4.7% exceeds peer median of 2.3%
- Maintains $0.15 quarterly dividend throughout stress scenario
- None.
Insights
First Horizon's stress test shows exceptional resilience with CET1 ratio of 9.7% under severe scenarios, demonstrating strong risk management and capital position.
First Horizon's 2025 stress test results reveal impressive capital resilience under hypothetical severe economic conditions. The bank's minimum Common Equity Tier 1 (CET1) ratio of
The bank's stress test performance demonstrates several competitive advantages. Their loan portfolio stressed loss rate of just
Additionally, First Horizon's pre-provision net revenue as a percentage of assets reached
First Horizon maintained strong capital ratios across all regulatory metrics. Beyond CET1, the bank's Tier 1 Risk-based Capital ratio reached
"Our 2025 capital stress test results reflect the resilience of our diversified business model, prudent risk management, and strong capital position," said Chief Financial Officer Hope Dmuchowski. "Our minimum Common Equity Tier 1 Capital ratio of
The following table reflects the Company's actual and projected stressed capital ratios under the Federal Reserve's Severely Adverse Scenario compared to required regulatory minimums.
% Regulatory Ratio | Actual | Projected Stressed Capital Ratios | Regulatory Capital Ratios |
4Q24 | Minimum | Minimum | |
Common Equity Tier 1 Capital ratio | 11.2听% | 9.7听% | 4.5听% |
Tier 1 Risk-based Capital ratio | 12.2听% | 10.7听% | 6.0听% |
Total Risk-based Capital ratio | 14.2听% | 12.8听% | 8.0听% |
Tier 1 Leverage ratio | 10.6听% | 9.5听% | 4.0听% |
These results include a
First Horizon's loan portfolio stressed loss rate of
For more information, please see First Horizon's 2025 stress test disclosure at .听
About First Horizon聽
First Horizon Corporation (NYSE: FHN), with
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FAQ
What were First Horizon's (FHN) 2025 stress test results?
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