Earnings Call Summary | ERSTE GROUP BANK AG ADR EACH REP 0.5 ORD NPV SPON(EBKDY.US) Q4 2023 Earnings Conference
Earnings Call Summary | ERSTE GROUP BANK AG ADR EACH REP 0.5 ORD NPV SPON(EBKDY.US) Q4 2023 Earnings Conference
The following is a summary of the Erste Group Bank AG (EBKDY) Q4 2023 Earnings Call Transcript:
以下是Erste Group Bank AG（EBKDY）2023年第四季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
Erste Group Bank posted a record net profit with a return on tangible equity of 17.2% for 2023.
A record dividend of €2.7 per share will be offered, along with a plan for a second share buyback of €500m.
The cost income ratio remained below 50% throughout 2023, standing at 47.6% for the year.
A record CET1 ratio of 15.7% was achieved due to strong profitability and mitigated risk-weighted asset inflation.
Despite a surge in costs due to higher marketing, consultancy and legal costs, and personnel expenses in Q4 2023, Erste Group strives to limit cost growth to around 5% in 2024.
Erste集團銀行公佈了創紀錄的淨利潤，2023年有形資產回報率爲17.2％。
將提供創紀錄的每股2.7歐元的股息，並計劃進行5億歐元的第二次股票回購。
在整個2023年，成本收入比率一直保持在50％以下，全年爲47.6％。
由於強勁的盈利能力和緩解了風險加權資產通脹，CET1比率創下了創紀錄的15.7％。
儘管由於2023年第四季度營銷、諮詢和法律成本以及人員開支的上漲，成本激增，但Erste集團仍力爭在2024年將成本增長限制在5％左右。
Business Progress:
業務進展：
Consolidated net customer loans and customer deposit volumes experienced growth, with the loan-to-deposit ratio ending 2023 at a healthy 89%.
A leadership change with Peter Bosek taking over will see more capital allocation decisions.
For 2024, they expect a loan growth of around 5% in the CEE region, with anticipated growth in the Austrian mortgage business as well.
Despite forecasted challenges including potential central bank rate cuts affecting deposit pass-through, the bank maintains a robust funding profile primarily based on retail deposits.
The bank's strategic focus goes to the sustainable growth of its net fee and commission income generating business.
合併後的淨客戶貸款和客戶存款量出現增長，截至2023年，貸款存款比率爲89％。
隨着彼得·博塞克的接任，領導層的更迭將帶來更多的資本配置決策。
他們預計，到2024年，中歐和東歐地區的貸款將增長約5％，預計奧地利抵押貸款業務也將增長。
儘管預計會面臨種種挑戰，包括可能影響存款直通的央行降息，但該銀行保持了主要基於零售存款的強勁融資狀況。
該銀行的戰略重點是其淨費用和佣金創收業務的可持續增長。
More details: ERSTE GROUP BANK AG ADR EACH REP 0.5 ORD NPV SPON IR
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譯文內容由第三人軟體翻譯。