Earnings Call Summary | NATIONAL BANK OF GREECE(NBGIF.US) Q1 2024 Earnings Conference
Earnings Call Summary | NATIONAL BANK OF GREECE(NBGIF.US) Q1 2024 Earnings Conference
The following is a summary of the National Bank of Greece S.A. (NBGIF) Q1 2024 Earnings Call Transcript:
以下是希臘國家銀行股份有限公司（NBGIF）2024年第一季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
National Bank of Greece reported a Q1 2024 group core profit after tax of 320 million, against full-year guidance of 1.2 billion.
Total profit after tax stood at 360 million, implying a core return on tangible equity of 17.6%, beating the full year guidance of over 15%.
Driven by a 22% year-on-year increase in Net Interest Income and a 15% increase in fee growth, the bank registered robust core profitability.
The CET1 ratio improved by 80 basis points quarter-on-quarter to 18.6%, surpassing internal targets, which bolsters strategic flexibility, including shareholder remuneration.
With a net cash position over 9 billion, the bank repaid its TLTRO exposure and was upgraded to investment grade status by DBRS.
希臘國民銀行報告稱，2024年第一季度集團稅後核心利潤爲3.2億美元，而全年預期爲12億美元。
稅後總利潤爲3.6億美元，這意味着核心有形資產回報率爲17.6％，超過了超過15％的全年預期。
在淨利息收入同比增長22％和費用增長15％的推動下，該銀行實現了強勁的核心盈利能力。
CET1比率同比提高80個點子至18.6％，超過了內部目標，這增強了包括股東薪酬在內的戰略靈活性。
該銀行的淨現金狀況超過90億美元，償還了其TLTRO敞口，並被DBRS提升爲投資等級。
Business Progress:
業務進展：
The bank expects a strong year ahead backed by a supportive economic environment and an ambitious transformation plan.
In Q1 2024, retail disbursements accelerated by over 30% YoY, matching repayments for the first time in several years, but corporate credit expansion was sluggish.
National Bank of Greece has been intensively investing in technology to significantly elevate customer experience while fostering agility and innovation.
The bank looks forward to driving shareholder value through accelerated loan expansion and successful implementation of their transformation strategy.
A rebranding project was initiated in Q1 and the bank plans to increase the dividend payout ratio for 2024.
該銀行預計，在支持性的經濟環境和雄心勃勃的轉型計劃的支持下，未來的一年將表現強勁。
在2024年第一季度，零售支出同比增長了30％以上，這是幾年來首次與還款額相匹配，但企業信貸擴張緩慢。
希臘國民銀行一直在大力投資技術，以顯著提升客戶體驗，同時促進靈活性和創新。
該銀行期待通過加快貸款擴張和成功實施轉型戰略來推動股東價值。
品牌重塑項目於第一季度啓動，該銀行計劃提高2024年的股息支付率。
More details: NATIONAL BANK OF GREECE IR
更多詳情： 希臘國家銀行 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。