Stress tests passed, banks are primed to pay shareholders.

Mayra Rodríguez Valladares, a financial risk consultant who trains bankers and regulators, said she expected banks to boost their dividend payouts and share buybacks — although she believed that would be premature.

“We still do not know how many corporate or individual defaults are coming our way once all stimulus and Fed programs to provide respite during Covid end,” Ms. Rodríguez Valladares said. “Banks should not be excessive in dividend payouts and should make sure that they are well above minimum capital levels to protect them if defaults rise later in the year.”

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