Earnings Call Summary | ERSTE GROUP BANK AG ADR EACH REP 0.5 ORD NPV SPON(EBKDY.US) Q4 2023 Earnings Conference
Earnings Call Summary | ERSTE GROUP BANK AG ADR EACH REP 0.5 ORD NPV SPON(EBKDY.US) Q4 2023 Earnings Conference
The following is a summary of the Erste Group Bank AG (EBKDY) Q4 2023 Earnings Call Transcript:
以下是Erste Group Bank AG（EBKDY）2023年第四季度财报电话会议记录摘要：
Financial Performance:
财务业绩：
Erste Group Bank posted a record net profit with a return on tangible equity of 17.2% for 2023.
A record dividend of €2.7 per share will be offered, along with a plan for a second share buyback of €500m.
The cost income ratio remained below 50% throughout 2023, standing at 47.6% for the year.
A record CET1 ratio of 15.7% was achieved due to strong profitability and mitigated risk-weighted asset inflation.
Despite a surge in costs due to higher marketing, consultancy and legal costs, and personnel expenses in Q4 2023, Erste Group strives to limit cost growth to around 5% in 2024.
Erste集团银行公布了创纪录的净利润，2023年有形资产回报率为17.2％。
将提供创纪录的每股2.7欧元的股息，并计划进行5亿欧元的第二次股票回购。
在整个2023年，成本收入比率一直保持在50％以下，全年为47.6％。
由于强劲的盈利能力和缓解了风险加权资产通胀，CET1比率创下了创纪录的15.7％。
尽管由于2023年第四季度营销、咨询和法律成本以及人员开支的上涨，成本激增，但Erste集团仍力争在2024年将成本增长限制在5％左右。
Business Progress:
业务进展：
Consolidated net customer loans and customer deposit volumes experienced growth, with the loan-to-deposit ratio ending 2023 at a healthy 89%.
A leadership change with Peter Bosek taking over will see more capital allocation decisions.
For 2024, they expect a loan growth of around 5% in the CEE region, with anticipated growth in the Austrian mortgage business as well.
Despite forecasted challenges including potential central bank rate cuts affecting deposit pass-through, the bank maintains a robust funding profile primarily based on retail deposits.
The bank's strategic focus goes to the sustainable growth of its net fee and commission income generating business.
合并后的净客户贷款和客户存款量出现增长，截至2023年，贷款存款比率为89％。
随着彼得·博塞克的接任，领导层的更迭将带来更多的资本配置决策。
他们预计，到2024年，中欧和东欧地区的贷款将增长约5％，预计奥地利抵押贷款业务也将增长。
尽管预计会面临种种挑战，包括可能影响存款直通的央行降息，但该银行保持了主要基于零售存款的强劲融资状况。
该银行的战略重点是其净费用和佣金创收业务的可持续增长。
More details: ERSTE GROUP BANK AG ADR EACH REP 0.5 ORD NPV SPON IR
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