Earnings Call Summary | National Australia Bank Limited Sponsored ADR(NABZY.US) Q2 2024 Earnings Conference
Earnings Call Summary | National Australia Bank Limited Sponsored ADR(NABZY.US) Q2 2024 Earnings Conference
The following is a summary of the National Australia Bank Limited (NABZY) Q2 2024 Earnings Call Transcript:
以下是澳大利亞國民銀行有限公司（NABZY）2024年第二季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
National Australia Bank (NAB) reported a 1.1% decrease in underlying earnings, with cash earnings down by 3.1% over the half.
Profit declined by 9% in Personal Banking but increased by 4% in New Zealand Banking.
The interim dividend is $0.84, which is 74% of the half's cash earnings.
There was a decrease in the portfolio of restructured loans due to weather events.
The CET1 ratio stands at 12.15%, with a corporate provision escalation of $137 million.
The bank reported increased returns on equity and a high level of collective provisioning coverage.
澳大利亞國民銀行（NAB）報告稱，基礎收益下降了1.1％，上半年現金收益下降了3.1％。
個人銀行業務的利潤下降了9％，但新西蘭銀行業務的利潤增長了4％。
中期股息爲0.84美元，佔半年現金收益的74％。
由於天氣事件，重組後的貸款組合有所減少。
CET1比率爲12.15％，公司準備金增加了1.37億美元。
該銀行報告稱，股本回報率有所提高，集體準備金覆蓋率也很高。
Business Progress:
業務進展：
NAB has invested in cloud infrastructure and the acquisition of Citi's consumer business, significantly enhancing its operational reach.
There's a strong focus on customer growth, with plans to invest in colleague support and CRM platforms to boost customer engagement. They also experienced growth in business lending and customer deposits.
The bank has reported growth in their UBank business, with the initiative to further investment due to the strong customer appeal.
Business and Private banking saw 8.6% growth in business lending and 6.4% growth in customer deposits year-on-year.
Despite a low growth environment, New Zealand Banking grew its customer base and delivered strong growth in retail banking.
A relationship-led strategy has driven growth in home lending in the business bank achieving better absolute returns than the personal bank.
The bank is also putting into place measures to address a declining Business Net Promoter Score.
澳大利亞國民銀行投資了雲基礎設施，並收購了花旗的消費者業務，顯著擴大了其運營範圍。
人們非常關注客戶增長，並計劃投資同事支持和CRM平台以提高客戶參與度。他們的商業貸款和客戶存款也有所增長。
該銀行報告稱，其UBank業務有所增長，由於其強大的客戶吸引力，該銀行計劃進一步投資。
商業和私人銀行業務的商業貸款同比增長8.6％，客戶存款增長6.4％。
儘管增長環境低迷，但新西蘭銀行仍擴大了客戶群，零售銀行業務實現了強勁增長。
以關係爲導向的戰略推動了商業銀行住房貸款的增長，實現了比個人銀行更好的絕對回報。
該銀行還採取措施來解決商業淨推薦人得分下降的問題。
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。