English Title:
Stock Market Today, Oct. 13: Bank of America Dips After $1.2 Billion Fine From Treasury Department

中文标题：
股票市场今天,10月13日:美国银行Dips 12亿美元罚款从财政部

English Content:
Bank of America (NYSE:BAC), a global consumer and investment bank with diversified deposit, lending, and markets businesses, closed at $53.96, down 1.14%. Investors are waiting for Wednesday's earnings release, following the announcement of a $1.2 billion fine from the U.S. Treasury Department after hours on Tuesday. Trading volume reached 43.3M shares, coming in about 28% above its three-month average of 33.8M shares. How the markets moved today S&P 500 (SNPINDEX:^GSPC) closed at 7,805, down 0.02%, and Nasdaq Composite (NASDAQINDEX:^IXIC) closed at 27,204, down 0.15%. Among money center banking / diversified financial services peers, JPMorgan Chase (NYSE:JPM) closed at $331.43, down 0.86%, while Wells Fargo (NYSE:WFC) closed at $80.75, down 3.08% as big-bank earnings season shaped trading. What this means for investors The Treasury Department has hit Bank of America with $1.2 billion in penalties for anti-money-laundering and sanctions law violations. The bank allegedly failed to report over $5 billion in suspicious payments for years. Though this is the third-largest fine handed out in Treasury history, I don't think it is necessarily panic-worthy for investors just yet. BAC stock is a $350 billion market cap operation, so the potential penalty isn't a massive hit to the company. Bank of America's management said it expects to take a $1.2 billion charge in its Q3 earnings, which will result in a $0.17 decrease in EPS -- compared to BAC's share price around $54. That said, the compliance costs to keep these types of issues under control will only continue to rise, and Bank of America can't afford to skimp on this spending, lest it risk being hit with tighter regulatory oversight that could weigh on profitability. Not great news, obviously, but I'd argue tomorrow's earnings are likely much more important to long-term investors and Bank of America's overall investment thesis. Let's see how things turn out tomorrow and go from there. Should you buy stock in Bank of America right now? Before you buy stock in Bank of America, consider this: The Motley Fool Stock Advisor analyst team just identified what they believe are the 10 best stocks for investors to buy now… and Bank of America wasn't one of them. The 10 stocks that made the cut could produce monster returns in the coming years. Consider when Netflix made this list on December 17, 2004... if you invested $1,000 at the time of our recommendation, you'd have $380,795!* Or when Nvidia made this list on April 15, 2005... if you invested $1,000 at the time of our recommendation, you'd have $1,390,634!*

中文正文：
美国银行(NYSE:BAC)是一家全球消费和投资银行,存款、贷款和市场业务多样化,以53.96美元关闭,下降了1.14%。 投资者在周二数小时后宣布美国财政部处以12亿美元罚款后,正等待星期三的收入释放. 交易量达到43.3M股,比3个月平均33.8M股高出约28%。 S&P 500(SNPINDEX:^GSPC)今日的市场如何以7,805的收盘率下降0.02%,纳斯达克复合(NASDAQINDEX:^IXIC)的收盘率为27,204的收盘率下降0.15%. 在货币中心银行/多样化金融服务同行中,JPMorgan Chase(NYSE:JPM)关闭了331.43美元,下降0.86%,而Wells Fargo(NYSE:WFC)关闭了80.75美元,随着大银行收益季节形成交易,下降3.08%. 这对投资者意味着什么 财政部已经打击了美国银行 12亿美元罚款 反洗钱和制裁违法。 据称,该银行多年来没有报告50多亿美元的可疑付款。 虽然这是国库史上第三大罚款, 但我不认为这对投资者来说是值得惊慌的。 业连 股票是3500亿美元的市场封顶操作 所以潜在的惩罚不是对公司的大规模打击 美国银行管理层说,它预期在Q3收益中收取12亿美元的费用,这将导致EPS减少1.7美元,而BAC的股价约为54美元。 尽管如此,控制这类问题的合规成本只会继续上升,美国银行也无力削减这笔开支,以免受到更严格的监管监督,从而影响利润。 当然不是好消息 但我认为明天的收入 对长期投资者和美国银行的总体投资理论来说可能更重要 让我们看看明天会怎么样 然后从那里开始 你现在应该在美国银行买股票吗? 在你购买美国银行的股票之前,请考虑一下: Motley Fool Stock Associate Asssociate team 刚刚确定了他们认为是投资者现在购买的十大最佳股票... 切掉的10种股票在未来几年中可以产生怪物回报. 想想当Netflix在2004年12月17日 列出这个名单时.. 在我们推荐的时候投资了1000美元,你会有380,795美元!* 或者当恩维迪亚在2005年4月15日提出这份名单时... 如果你在我们推荐的时候投资了1000美元,你就会有1,390,634美元