Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) Q3 2024 Earnings Call Transcript Summary
Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) Q3 2024 Earnings Call Transcript Summary
Return on tangible equity achieved a record 20.1% for the first nine months of 2024.The following is a summary of the Banco Bilbao Vizcaya Argentaria, S.A. (BBVA) Q3 2024 Earnings Call Transcript:
以下是西班牙畢爾巴鄂銀行（BBVA）2024年第三季度業績會文本摘要：
Financial Performance:
金融業績：
BBVA's Q3 2024 net attributable profit reached €2,627 billion, up 26% year-over-year and 6% below last quarter's record results. Earnings per share grew by 32% year-over-year.
The CET1 capital ratio improved to 12.84%, indicating strong capital adequacy.
Return on tangible equity achieved a record 20.1% for the first nine months of 2024.
Tangible book value per share plus dividends increased by 16% year-over-year.
BBVA 2024年第三季度歸屬於母公司的淨利潤達到26270億歐元，同比增長26％，比上季度創紀錄的成績低6％。每股收益同比增長32％。
核心一級資本比率提高至12.84％，表明資本充足度較強。
2024年前九個月有形股東權益收益率達到創紀錄的20.1％。
每股有形賬面價值加分紅派息同比增長16％。
Business Progress:
業務進展：
BBVA's Spain and Mexico markets showed strong loan growth, particularly in high-margin segments such as consumer and credit cards.
The bank continues to focus on digital channels, acquiring 67% of new customers through these platforms.
Sustainable business initiatives reached a total of €276 billion since 2018, aligning with global environmental and social governance trends.
BBVA在西班牙和墨西哥市場展現了強勁的貸款增長，尤其是在消費和信用卡等高利潤業務板塊。
該銀行繼續專注於數字渠道，在這些平台上獲得了67%的新客戶。
自2018年以來，可持續的業務舉措總額達到了2760億歐元，符合全球環保和社會治理趨勢。
Opportunities:
機會：
BBVA Mexico's loan growth surpassing system gains, illustrating strong market share and future revenue potential.
Digital transformation continues to drive efficient customer acquisition, with 8.5 million new customers added, enhancing long-term client engagement and profitability.
墨西哥西班牙畢爾巴鄂銀行的貸款增長超過了系統增益，展示了強勁的市場份額和未來的營業收入潛力。
數字轉型持續推動高效客戶獲取，新增了850萬新客戶，增強了長期客戶參與度和盈利能力。
Risks:
風險：
Projected operational risks tied to global economic fluctuations affecting currency values, particularly concerning the Mexican peso, could impact future profitability.
Regulatory changes and compliance could affect operational dynamics, especially in Turkey where cost of risk is normalizing.
預計與全球經濟波動相關的運營風險將影響貨幣價值，特別涉及到墨西哥披索，可能影響未來的盈利能力。
監管變化和合規性可能會影響運營動態，特別是在土耳其，風險成本正在趨於正常化。
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譯文內容由第三人軟體翻譯。
