Earnings Call Summary | Banco Santander Chile(BSAC.US) Q1 2024 Earnings Conference
Earnings Call Summary | Banco Santander Chile(BSAC.US) Q1 2024 Earnings Conference
The following is a summary of the Banco Santander-Chile (BSAC) Q1 2024 Earnings Call Transcript:
以下是智利桑坦德銀行（BSAC）2024年第一季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
Banco Santander-Chile reported Q1 2024 net income of CLP120 billion, a quarterly ROAE of 11.2%.
Loan balances saw a growth of 1.1% from the last quarter and 5.5% YoY, largely attributed to mortgage and commercial lending.
Managed a Net Interest Margin (NIM) of 2.7% for Q1 2024.
The bank's capitalization was strong with a total capital ratio of 17.6% and a core equity tier 1 ratio of 10.4% at the end of the quarter.
The bank achieved an efficiency ratio of 47% for the quarter.
智利桑坦德銀行報告稱，2024年第一季度淨收入爲 CLP120 億美元，季度投資回報率爲11.2％。
貸款餘額比上個季度增長1.1％，同比增長5.5％，這主要歸因於抵押貸款和商業貸款。
2024年第一季度的淨利率（NIM）爲2.7％。
該銀行的市值強勁，本季度末總資本比率爲17.6％，核心股票一級比率爲10.4％。
該銀行在本季度實現了47％的效率率。
Business Progress:
業務進展：
As part of its transformation towards digital banking, Banco Santander-Chile plans to acquire 5 million customers and 450,000 SME clients.
Continuous revamping of its branch network has led to a reduction of total branches by 24% in 2022 and an additional 14% in 2023.
The bank's 'Getnet' acquiring business registered over 137,000 active points of sale nationwide, driving significant growth among SMEs.
Plans to implement a $450 million investment plan for technology and branch renovation between 2023 and 2026.
Targets a GDP growth of 2.8% and a NIM of at least 3.2% for the full year 2024, with the objective to grow its loan book at mid-single digits and to constrain core expenses to grow less than inflation.
The bank has actively taken measures against a recent cybersecurity event to protect customer data and maintain operational safety.
作爲向數字銀行轉型的一部分，智利桑坦德銀行計劃收購500萬客戶和45萬中小企業客戶。
其分支機構網絡的持續改造使分支機構總數在2022年減少了24％，在2023年又減少了14％。
該銀行的 “Getnet” 收購業務在全國註冊了超過13.7萬個活躍銷售點，推動了中小企業的顯著增長。
計劃在2023年至2026年間實施一項4.5億美元的技術和分支機構翻新投資計劃。
目標是2024年全年GDP增長2.8％，NIM至少達到3.2％，目標是將貸款額增長到個位數中等，並限制核心支出的增長低於通貨膨脹。
該銀行已積極採取措施應對最近的網絡安全事件，以保護客戶數據並維護運營安全。
More details: Banco Santander Chile IR
更多詳情： 智利桑坦德銀行 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。