Hancock Whitney Corporation (HWC) Q3 2024 Earnings Call Transcript Summary
Hancock Whitney Corporation (HWC) Q3 2024 Earnings Call Transcript Summary
Net interest income (NII) increased, driven by higher yields on loans and securities, with net interest margin (NIM) expanding 2 basis points to 3.39%.The following is a summary of the Hancock Whitney Corporation (HWC) Q3 2024 Earnings Call Transcript:
以下是漢考克惠特尼銀行（HWC）2024年第三季度業績會文本摘要:
Financial Performance:
金融業績：
Hancock Whitney reported a net income of $116 million in Q3 2024, reflecting a $1 million increase from last quarter.
Return on assets was a peer-leading 1.92%.
Net interest income (NII) increased, driven by higher yields on loans and securities, with net interest margin (NIM) expanding 2 basis points to 3.39%.
Fee income grew significantly, contributed by investment and annuity fees, service charges on deposit accounts, and specialty income, showing an 8% increase from last quarter.
Expenses were well controlled, down 1% from last quarter despite the hiring plans.
漢考克惠特尼在2024年第三季度報告淨利潤爲11600萬美元，比上一季度增加了100萬美元。
資產回報率達到領先同行的1.92%。
淨利息收益率（NII）增加，受貸款和證券收益率提高驅動，淨利息收益率擴大了2個點子至3.39%。
手續費收入顯著增長，由投資和年金服務費、存款帳戶服務費以及特種收入貢獻，較上一季度增加了8%。
儘管有招聘計劃，但支出得到有效控制，較上一季度減少了1%。
Business Progress:
業務進展：
The bank has effectively managed its SNC portfolio, reducing exposure ahead of schedule, and plans further reductions.
Strategic investments in fee income lines of business continue to yield impressive returns.
There are efforts to recruit more bankers to support growth, especially in Texas and Florida.
Capital ratios remain strong, supporting ongoing shareholder returns through share repurchases and solid capital metrics.
銀行已經有效管理其SNC組合，提前減少敞口，計劃進一步減少。
對業務線的戰略性投資繼續帶來令人印象深刻的回報。
正在努力招募更多銀行家以支持增長，特別是在德克薩斯州和佛羅里達州。
資本比率仍然強勁，支持通過股票回購和穩健資本指標持續向股東回報。
Opportunities:
機會：
Hancock Whitney plans to hire additional staff to support expected balance sheet growth, with a particular focus on high-growth areas such as Texas and Florida, indicating potential market expansion and human capital opportunities.
漢考克惠特尼計劃增加員工以支持預期的資產負債表增長，特別關注德克薩斯州和佛羅里達州等高增長領域，表明潛在的市場擴張和人力資本機遇。
Risks:
風險：
The increased criticized loans mainly stemmed from the commercial loan book, attributed to the economic impacts and higher operating costs faced by clients. Despite some stabilization due to decreasing interest rates, the bank remains cautious, monitoring various sectors for potential downturns.
增加的受批評貸款主要源自商業貸款組合，歸因於客戶面臨的經濟影響和較高的運營成本。儘管由於利率下降而有所穩定，銀行仍然保持謹慎，監控各個領域是否會出現潛在的下行風險。
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。
