Earnings Call Summary | KBC GROEP NV UNSP ADR EA REPR 0.50 ORD SHS(KBCSY.US) Q4 2023 Earnings Conference
Earnings Call Summary | KBC GROEP NV UNSP ADR EA REPR 0.50 ORD SHS(KBCSY.US) Q4 2023 Earnings Conference
The following is a summary of the KBC Group NV (KBCSY) Q4 2023 Earnings Call Transcript:
以下是 KBC Group NV (KBCSY) 2023 年第四季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
KBC Group achieved a Q4 profit of €677 million, which includes impairments on goodwill and voluntary software impairments. Without these, the profit would have been €812 million.
The company reported a full-year net interest income of €5.5 billion, beating its own guidance.
The return on equity is over 15%, and the cost-income ratio was 43% excluding bank taxes.
KBC proposes a gross dividend of €4.15 per share, supplementing the interim dividend with €3 per share.
The company faced high costs due to inflation but expects it to come down considerably.
比利時聯合銀行集團第四季度實現6.77億歐元的利潤，其中包括商譽減值和自願軟件減值。如果沒有這些，利潤將爲8.12億歐元。
該公司公佈的全年淨利息收入爲55億歐元，超過了自己的預期。
股本回報率超過15％，不包括銀行稅，成本收入比率爲43％。
比利時聯合銀行提議派發每股4.15歐元的總股息，以每股3歐元補充中期股息。
由於通貨膨脹，該公司面臨高昂的成本，但預計成本將大幅下降。
Business Progress:
業務進展：
Record high sales were noted in asset management and insurance, reinforcing KBC's stature as more than just a net interest income bank.
Digital assistant Kate is used actively by 4.2 million customers, enhancing efficiency and sales.
Sustainability is a priority for KBC, securing top global rankings among diversified banks by Sustainalytics and an A rating from CDP.
The income displayed near-even split between net interest income (50.8%), and asset management and insurance (49.2%).
For 2024, KBC plans a net interest income range of €5.3 billion to €5.5 billion, loan growth of 3%, and insurance revenues growth of at least 6%.
The company expects to see economic growth, particularly in Central Europe. New non-financial targets have been set for 2026, including increased straight-through processing.
KBC maintains a conservative approach to the business, which includes strategic decisions on fees, asset management, and other banking service fees.
資產管理和保險領域的銷售額創歷史新高，這鞏固了比利時聯合銀行不僅僅是一家淨利息收入銀行的地位。
420 萬客戶積極使用數字助手 Kate，提高了效率和銷售額。
可持續發展是比利時聯合銀行的首要任務，它確保了Sustainalytics在多元化銀行中的全球排名和CDP的A級評級。
收入顯示淨利息收入（50.8％）與資產管理和保險（49.2％）之間的比例接近均衡。
比利時聯合銀行計劃2024年的淨利息收入在53億歐元至55億歐元之間，貸款增長3％，保險收入增長至少6％。
該公司預計經濟將增長，尤其是在中歐。已經爲2026年設定了新的非財務目標，包括增加直通式處理。
比利時聯合銀行保持保守的業務方針，包括有關費用、資產管理和其他銀行服務費的戰略決策。
More details: KBC GROEP NV UNSP ADR EA REPR 0.50 ORD SHS IR
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譯文內容由第三人軟體翻譯。