Inter & Co, Inc. (INTR) Q3 2024 Earnings Call Transcript Summary
Inter & Co, Inc. (INTR) Q3 2024 Earnings Call Transcript Summary
The gross revenue achieved BRL 2.7 billion with a net revenue of BRL 1.6 billion, highlighting a year-over-year growth of 25% in total gross revenue and 32% in net terms.The following is a summary of the Inter & Co, Inc. (INTR) Q3 2024 Earnings Call Transcript:
以下是Inter & Co，Inc. (INTR) 2024年第三季度業績會交易內容摘要：
Financial Performance:
財務表現：
Inter & Co reported a robust financial quarter, reaching a record-breaking ROE, surpassing the double-digit mark and reporting net income of BRL 260 million, which is 2.5x higher than the previous year's third quarter.
Loan books grew 7% during the quarter, achieving BRL 38 billion with record levels of underwriting in FGTS and Home Equity, surpassing BRL 6 billion combined loan balance.
The gross revenue achieved BRL 2.7 billion with a net revenue of BRL 1.6 billion, highlighting a year-over-year growth of 25% in total gross revenue and 32% in net terms.
Inter & Co報告了強勁的財季，實現了創紀錄的roe，超過兩位數的水平，報告了26000萬巴西雷亞爾的淨利潤，比去年同期高出2.5倍。
貸款額在本季度增長了7%，達到了380億巴西雷亞爾，FGTS和住房抵押的包攬量創下了紀錄，超過60億巴西雷亞爾的貸款餘額。
毛收入達到了27億巴西雷亞爾，淨營業收入爲16億巴西雷亞爾，總毛收入同比增長了25%，淨收入增長了32%。
Business Progress:
業務進展：
Inter & Co has reached 35 million clients, with the addition of 1.1 million new active clients this quarter, marking continuous growth in client acquisition and activation.
Significant advancements in digital banking, marketplace and investment services, demonstrating growth in transactions, credit lines, and asset under custody which surpassed BRL 122 billion.
Expansion of Inter's global presence, particularly in the US, with plans to extend the Global Account features potentially to other geographical regions in the coming year.
Inter & Co已經達到了3500萬客戶，本季度新增了110萬新活躍客戶，標誌着客戶獲取和激活方面持續增長。
數字銀行、市場和投資服務方面取得重大進展，展示了交易量、信貸額度和資產託管方面的增長，總資產超過了1220億巴西雷亞爾。
Inter在全球範圍內的擴張重點是美國，計劃在未來一年內可能將全球帳戶功能擴展到其他地理區域。
Opportunities:
機會：
Hyperpersonalization and AI in client engagement and product offerings, seen in the deployment of Inter Shop Concierge and increased success rates in sales conversions.
Expansion of market share across all seven business verticals, enhancing competitive positioning and client engagement.
Growing traction and positive performance in the Consumer Finance 2.0 portfolio, including PIX financing, Buy Now Pay Later, and Overdraft options.
Leveraging the US expansion to attract high-income clients and potentially expand Global Account features to other countries, supporting scalability and international growth.
在客戶參與和產品提供方面，Inter Shop Concierge的超個性化和人工智能已經應用，銷售轉化率提高。
在所有七大業務垂直領域擴展市場份額，提升競爭定位和客戶參與度。
在消費金融2.0投資組合中，包括PIX融資、立即購買付款和透支等選項中，獲得了不斷增長的動力和積極表現。
利用美國擴張吸引高收入客戶，並有望將全球帳戶功能擴展到其他國家，支持可伸縮性和國際增長。
Risks:
風險：
Gradual and cautious approach in the growth of the Consumer Finance 2.0 portfolio reflecting careful monitoring of delinquency trends and product performance in new finance options such as PIX financing.
在消費金融2.0投資組合的增長方面採取緩慢和謹慎的態度，反映了對拖欠趨勢和產品性能以及新的金融選擇（如PIX融資）的仔細監測。
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。
