UBS預警:歐洲經濟疲軟影響信貸損失

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一張年輕東方女性站在戶外木棧道上的全身人像照片。
人物與穿著:
這位女性擁有修長的身材和淺棕色的長直髮,留著齊劉海。
她面帶微笑,表情甜美。頭上戴著一對動物耳朵的髮飾。
上半身穿著一件白色的短版 T 恤/緊身衣(Crop Top),領口較低。
下半身是一條淺藍色的牛仔短裙,裙襬帶有蕾絲邊緣。繫著一條淺棕色的皮帶
腳上穿著一雙露趾的裸色高跟涼鞋。
背景與環境:
她站在一條戶外的深色木質棧道上,左手輕輕扶著旁邊的深色木質欄杆。
背景呈現柔和的散景(景深很淺),可以看到綠色的植物和一些被處理成偏冷藍色調的樹枝或樹葉,營造出一種清新且夢幻的氛圍。
總體而言,這張照片風格清新、甜美,光線柔和,突出了人物的時尚穿搭和外貌。
Use the original face exactly as it is, without changing a details. A striking, high-fashion editorial portrait of a white -skinned model, captured outdoors with a bright, sunny, slightly hazy ambiance reminiscent of the late 1980s or early 1990s.
Model and Styling
• Model: A female model with elegant features and dark, curly hair, posed looking over her shoulder towards the camera. Her expression is confident and alluring.
• Outfit: She is wearing a two-piece outfit (or a playsuit/romper) entirely covered in black and white polka dots.
• Top: A loose, long-sleeved shirt, worn off one shoulder, showcasing the neckline. The polka dots on the shirt appear slightly smaller and more uniform.
• Bottom: Matching shorts or a skirt with a tight, fitted silhouette, emphasizing her figure. The polka dots here appear slightly denser.
• Hat: A defining accessory—a dramatically oversized sun hat with a wide, floppy brim. The crown is white, and the large, voluminous brim is patterned with large black and white polka dots, cascading down. A black fabric tie/ribbon is visible around the crown.
• Accessories: Large, circular or crescent-shaped gold earrings dangle from her ears.
Lighting and Setting
• Lighting: Natural, bright, direct sunlight creating a warm, sun-kissed, and slightly nostalgic aesthetic. The overall color palette leans towards desaturated pastels and warm creamy whites.
• Setting: She is positioned on a rooftop, terrace, or balcony, with a hazy, mountainous or coastal landscape visible in the blurred background. The background is predominantly soft blues and pale purples, suggesting a distant view over a city or ocean.
• Composition: A vertical, full-body to three-quarter shot. The model is the central focus, framed against the soft background.
Keywords/Style
• Style: High Fashion, Editorial, Retro, 90s Fashion, Resort Wear, Glamorous, Iconic.
• Vibe: Sophisticated, Sunny, Vacation Chic, Bold Pattern.
Ultra-realistic high-fashion studio portrait of a woman [image uploaded], vertical composition, framed from mid-chest to top of head. Camera at eye level, straight-on angle with a very slight head tilt to the subject’s left. Posture & pose: upright posture, shoulders relaxed. Left shoulder slightly forward, creating a gentle diagonal line across the collarbones. Arms relaxed out of frame, fur wrap resting naturally over the shoulders. Expression: calm, elegant, and composed. Soft neutral gaze directly into the camera, slightly parted lips with a subtle natural gloss. No smile, refined and confident mood. Face & skin: smooth fair skin with realistic texture and pores, soft luminous finish (not plastic or airbrushed). Rosy blush concentrated on the apples of the cheeks. Natural highlight on nose bridge, cheekbones, and collarbones. Eyes & makeup: large almond-shaped eyes, cool gray-brown irises. Long curled lashes, soft eyeliner, muted rose eyeshadow blended outward. Straight natural brows with gentle arch. Hair: short black bob cut just above the shoulders, slightly wavy ends. Center part with soft wispy strands framing the face. Large black satin bow tied at the back of the head, visible above the crown. Accessories: silver floral drop earrings with dangling details. Matching silver statement necklace with a central floral pendant resting at the upper chest. Clothing & styling: beige satin slip dress with thin spaghetti straps, smooth fabric with subtle sheen. Black faux-fur stole draped loosely around both shoulders, adding contrast and texture. Background: clean seamless light gray to off-white studio backdrop, evenly lit with no visible texture or distractions. Lighting: soft diffused beauty lighting from the front and slightly above eye level. Gentle fill light to reduce shadows, subtle rim light outlining hair and shoulders. Balanced highlights without overexposure. Color palette: neutral beige, black, silver, soft pink skin tones, minimal and elegant. Camera & settings: full-frame DSLR or mirrorless, 85mm lens, f/2–f/2.8, ISO 100, high sharpness on eyes, shallow depth of field. Image quality: ultra-high resolution, professional fashion photography, crisp details, natural skin realism. Strictly photorealistic human portrait — no illustration, no anime, no CGI, no digital painting, no doll-like skin.

瑞士銀行UBS警告歐洲經濟增長乏力,將面臨1.7億美元信貸損失

瑞士蘇黎世(路透社) – UBS的首席財務官托德·塔克納(Todd Tuckner)周四表示,歐洲經濟增長疲軟影響了該行的貸款客戶,預計2024年在個人和企業銀行業務中將面臨約1.5億瑞士法郎(約1.7億美元)的信貸損失費用。

塔克納在倫敦的一個活動中解釋了信貸損失費用的經濟背景,他指出,UBS預計在第四季度會有所增加。

他表示:「瑞士的宏觀環境還算不錯,但周邊一些歐元區經濟確實有些乏力。」

「我們貸款給的瑞士企業大多從事進出口業務,受到周圍經濟的影響……如果德國的增長乏力,那麼看到稍微高一些的信貸損失費用並不奇怪。」

塔克納補充道,這一情況因瑞士信貸(Credit Suisse)的影響而加劇,該行在去年三月收購了這家長期競爭對手。

他表示,UBS的非核心遺留單位,負責處理瑞士信貸的資產,預計在最後一季度將錄得7億美元的稅前損失。

UBS正在整合瑞士信貸,塔克納表示,新加坡的客戶遷移將於本周末進行,而日本和意大利的遷移將在年底前完成。

他對該行在亞太地區的業務感到樂觀,並指出,該地區的良好環境在第四季度的前期持續存在。他對投資銀行在這一季度的表現也感到滿意。

塔克納指出,瑞士銀行的資本要求辯論正為UBS帶來不確定性,並表示在明年二月初可能不會對此問題有明確的答案。

瑞士政府已提出更嚴格的規則以避免再次發生銀行倒閉,但具體細節仍在討論中。

政府表示,將考慮即將發布的關於瑞士信貸倒閉的議會報告的結果。塔克納猜測,該報告可能不會在2025年初之前公佈。

在當前的金融環境中,UBS的情況凸顯了歐洲經濟的脆弱性,特別是德國作為歐元區的經濟引擎,其增長乏力對周邊國家的影響不容小覷。這不僅對金融機構造成了壓力,也可能影響到整體經濟的復甦進程。隨著全球經濟的不確定性增加,投資者需要更加謹慎地評估市場風險,尤其是在信貸市場的表現上。

這種經濟狀況也提醒我們,金融機構的健康不僅取決於其內部運營,還受到外部經濟環境的深刻影響。隨著全球經濟形勢的變化,UBS及其他銀行可能需要調整其業務策略以應對潛在的信貸風險和市場挑戰。

以上文章由特價GPT API根據網上資料所翻譯及撰寫,過程中沒有任何人類參與 🙂

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