Earnings Call Summary | Inter & Co(INTR.US) Q1 2024 Earnings Conference
Earnings Call Summary | Inter & Co(INTR.US) Q1 2024 Earnings Conference
The following is a summary of the Inter & Co, Inc. (INTR) Q1 2024 Earnings Call Transcript:
以下是英特爾公司（INTR）2024年第一季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
The company had a robust growth in revenue, driven by increased client monetization across savings and credit platforms.
The company's efficiency ratio improved significantly by 370 basis points to 47.7%.
A record Return on Equity (ROE) of 9.7% was reported, marking the company's highest-ever net income of BRL195 million, along with a pre-tax profit of BRL274 million.
Stable portfolio size in payroll loans sector was maintained around BRL 5 billion with implied rates growth up by 80 bps, attributed to disciplined pricing and profitability focus.
在儲蓄和信貸平台客戶獲利增加的推動下，該公司的收入實現了強勁增長。
該公司的效率比率顯著提高了370個點子，達到47.7％。
公佈的股本回報率（ROE）創下了創紀錄的9.7％，這是該公司有史以來最高的淨收入，達到 BRL195 百萬美元，稅前利潤爲 BRL274 百萬美元。
薪資貸款領域的穩定投資組合規模維持在50億雷亞爾左右，隱含利率增長了80個點子，這要歸因於嚴格的定價和對盈利能力的關注。
Business Progress:
業務進展：
The company saw an increase in client numbers to 32 million.
The integration of a new rewards program, Loop, is in progress to amplify client engagement.
The company is set to continue its growth in client numbers, loans, deposits, and top-line revenue for the remaining part of 2024.
The company's seventh vertical, loyalty, has achieved 6.6 million active clients, boosted by Loop, thus improving client spending, engagement, and activation.
There's a continuous expansion of new credit lines with consistent growth observed in various financing sectors.
The company is set to host Tech Day to delve into its key competitive advantage, its technology platform.
The goal is to evolve origination from mostly omni-channel to a hybrid of digital and omni-channel for portfolio growth throughout 2024 and gain market share from the traditional payroll sector.
該公司的客戶數量增加到3200萬。
一項名爲Loop的新獎勵計劃的整合正在進行中，以擴大客戶參與度。
該公司將在2024年剩餘時間內繼續增長客戶數量、貸款、存款和營收收入。
該公司的第七個垂直領域，即忠誠度，在Loop的推動下，已獲得660萬活躍客戶，從而提高了客戶支出、參與度和激活率。
新的信貸額度持續擴大，各融資領域持續增長。
該公司將舉辦科技日，深入研究其關鍵競爭優勢——技術平台。
目標是在2024年將投資組合從以全渠道爲主的全渠道發展爲數字和全渠道的混合體，以實現投資組合增長，並從傳統薪資領域獲得市場份額。
More details: Inter & Co IR
更多詳情： Inter & Co IR
Tips: For more comprehensive details, please refer to the IR website. The article is only for investors' reference without any guidance or recommendation suggestions.
提示：欲了解更多詳情，請訪問投資者關係網站。本文僅供投資者參考，不構成任何投資建議。
譯文內容由第三人軟體翻譯。