Earnings Call Summary | NORDEA BANK ABP SPON ADS EACH REP 1 ORD SHS(NRDBY.US) Q4 2023 Earnings Conference
Earnings Call Summary | NORDEA BANK ABP SPON ADS EACH REP 1 ORD SHS(NRDBY.US) Q4 2023 Earnings Conference
The following is a summary of the Nordea Bank Abp (NRDBY) Q4 2023 Earnings Call Transcript:
以下是北歐銀行Abp（NRDBY）2023年第四季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
Nordea Bank reported continuous improvement in Return on Equity (RoE), surpassing expectations set at the Capital Markets Day due to resilient income and disciplined costs.
The bank forecasts to deliver a RoE of more than 13% by 2025.
Nordea confirms loan losses are at normal levels, averaging around 10 basis points per year, as a result of robust credit quality and de-risking of their loan portfolio.
The bank maintains a substantial provision buffer of almost €500 million to offset potential short-term macroeconomic pressures that could increase provision charges.
北歐銀行報告稱，由於收入彈性和紀律性成本，股本回報率（RoE）持續改善，超過了資本市場日設定的預期。
該銀行預測，到2025年，投資回報率將超過13％。
Nordea證實，貸款損失處於正常水平，平均每年約10個點子，這要歸因於穩健的信貸質量和貸款組合的風險降低。
該銀行維持了近5億歐元的大量準備金緩衝區，以抵消可能增加撥備費用的潛在短期宏觀經濟壓力。
Business Progress:
業務進展：
The bank's strategic focus has resulted in market share gains, improved operational and capital efficiency, and expansion in their low-risk credit lending.
Nordea highlights their operational efficiency, digital solutions, and funding capabilities as key drivers for ongoing growth.
Post the easing of COVID-19 payout restrictions, the bank acted swiftly with ECB's support to distribute excess capital, thereby enhancing their capital efficiency.
The bank is pushing forward with significant investments in digital capabilities, financial crime prevention measures, and tech advancements.
Nordea aims to extend its trend of market share expansion and plans to grow their lending moderately faster than the market.
The bank intends to significantly lower resolution fees in 2024, hence generally maintaining their cost-to-income ratio.
該銀行的戰略重點提高了市場份額，提高了運營和資本效率，並擴大了低風險信貸貸款。
Nordea強調其運營效率、數字解決方案和融資能力是持續增長的關鍵驅動力。
在 COVID-19 支付限制放鬆後，該銀行在歐洲央行的支持下迅速採取行動，分配了多餘的資本，從而提高了其資本效率。
該銀行正在推進對數字能力、金融犯罪預防措施和技術進步的大量投資。
Nordea的目標是擴大其市場份額擴張的趨勢，並計劃以比市場更快的速度增長貸款。
該銀行打算在2024年大幅降低清算費，從而總體上維持其成本收入比。
More details: NORDEA BANK ABP SPON ADS EACH REP 1 ORD SHS 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。