币界网报道：Twenty-two major U.S. banks have successfully passed the Federal Reserve's annual stress tests, signaling their resilience to severe economic downturns and paving the way for increased shareholder payouts. The Fed's hypothetical scenario included a 10% unemployment rate, a 40% drop in commercial real estate values, and a 36% decline in housing prices. Despite these extreme conditions, all tested institutions maintained capital levels above regulatory minimums, with aggregate losses projected at $685 billion. JPMorgan Chase, Bank of America, and Citigroup emerged among the strongest performers, while Goldman Sachs and Morgan Stanley showed improved results compared to previous years. The positive outcomes allow banks to announce dividend increases and share buybacks starting Friday, though final plans require Fed approval. This year's tests incorporated new elements including exploratory market shocks and expanded counterparty default scenarios, reflecting evolving risks in the banking sector. The results come as regulators continue monitoring banks' exposure to commercial real estate and potential economic headwinds. Analysts expect most large banks to boost dividends by 5-10% and announce substantial buyback programs, though some may prioritize capital build for potential acquisitions. The stress test clearance provides reassurance about the banking system's stability following last year's regional bank failures, though Fed officials cautioned that risks remain elevated in certain sectors.