Earnings Call Summary | TURKIYE GARANTI BANKASI AS(TKGBF.US) Q2 2024 Earnings Conference
Earnings Call Summary | TURKIYE GARANTI BANKASI AS(TKGBF.US) Q2 2024 Earnings Conference
Core net interest income increased to TRY 10.6 billion, showing significant strength compared to competitors.The following is a summary of the Turkiye Garanti Bankasi A.S. (TKGBF) Q2 2024 Earnings Call Transcript:
以下是土耳其擔保銀行（TKGBF）2024年第二季度業績會交流摘要：
Financial Performance:
金融業績：
Garanti Bank reported a net income of TRY 44.6 billion in the first half of 2024, marking a 32% year-on-year growth.
The bank achieved a return on average assets of 3.7% and a return on average equity of 34.2%.
Core net interest income increased to TRY 10.6 billion, showing significant strength compared to competitors.
Garanti銀行報告了2024年上半年446億里拉的淨利潤，同比增長32%。
該銀行平均資產回報率爲3.7%，平均權益回報率爲34.2%。
核心淨利息收入增至106億里拉，相比競爭對手顯示出顯著實力。
Business Progress:
業務進展：
The bank has a customer-focused approach which is evident from continued growth in core banking revenues by 63% year-on-year.
They managed a 9% Turkish lira lending growth amidst regulatory caps, focusing on investment, export, credit cards, and earthquake-affected area loans.
Garanti has maintained leadership in Turkish lira lending, reinforced by strong digital engagement with nearly 16 million digital active customers.
銀行以客戶爲中心的方法得到體現，核心銀行業務收入同比增長63%。
他們成功實現了在監管限制下9%的土耳其里拉貸款增長，關注於投資、出口、信用卡和地震受災區貸款。
Garanti通過增強數字化交往，與近1600萬活躍用戶保持領先地位在土耳其里拉貸款方面。
Opportunities:
機會：
Continued focus on increasing core banking revenue and managing customer-driven assets efficiently.
The bank's plans include further digital expansion and tapping into robust fee-generating lines, especially in payment systems.
持續關注增加核心銀行業務收入並高效管理客戶資產。
銀行計劃進一步擴大數字化，並利用強大的費用收入線路，特別是支付系統。
Risks:
風險：
There's an expected normalization in NPLs for 2025 due to deteriorations in the wholesale portfolio, indicating a potential rise in cost of risk above 200 basis points.
由於批發貸款組合惡化，預計2025年NPL會得到正常化，表明風險成本可能會超過200個點子。
More details: TURKIYE GARANTI BANKASI AS IR
更多細節：土耳其擔保銀行（TURKIYE GARANTI BANKASI AS）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：如需更全面的詳情，請參閱投資人關係網站。本文僅供投資者參考，不作任何指引或建議。
譯文內容由第三人軟體翻譯。
