Earnings Call Summary | GRUPO FINANCIERO BANORTE(GBOOF.US) Q1 2024 Earnings Conference
Earnings Call Summary | GRUPO FINANCIERO BANORTE(GBOOF.US) Q1 2024 Earnings Conference
The following is a summary of the Grupo Financiero Banorte, S.A.B. De C.V. (GBOOF) Q1 2024 Earnings Call Transcript:
以下是Grupo Financiero Banorte, S.A.B. De C.V.（GBOOF）2024年第一季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
Grupo Financiero Banorte reported a net income of MXN14.2 billion, a sequential increase of 9%.
The company's return on equity (ROE) improved by 134 basis points.
A gross margin percentage of 21.3% was achieved.
The company's loan portfolios showed double-digit annual growth across most sectors.
Strong balance sheet with focus on solvency and liquidity, and solid growth in capital numbers.
Expenses reduced by 14% quarter-on-quarter.
Cost-income ratio below 34%, with revenue growth above 14%.
Plans to implement 50% dividend retribution to shareholders for the current year.
Grupo Financiero Banorte公佈的淨收入爲142億墨西哥披索，連續增長9％。
該公司的股本回報率（ROE）提高了134個點子。
毛利率達到了 21.3%。
該公司的貸款組合在大多數領域均顯示出兩位數的年增長。
強勁的資產負債表，以償付能力和流動性爲重點，資本數量穩步增長。
支出同比減少了14％。
成本收入比率低於34％，收入增長超過14％。
計劃在本年度向股東實施50％的股息報酬。
Business Progress:
業務進展：
The focus continues on asset quality and balance between lending activity and funding costs.
Consumer book, the fastest-growing segment, is driven by increased customer lifetime value.
Works progressing for a full product offering for Bineo, the newly launched digital bank.
Rappi operations are exhibiting positive unit economics and are expected to break even soon.
Issued its first sustainable bond and enhanced ESG metrics disclosure.
Committed to strong risk controls and planning growth based on acceptable risk levels.
Digital transformation to expand banking services through Bineo in pipeline.
Plans to open 45 branches as part of near-shoring efforts.
Noteworthy increase in premiums and strong performance in the insurance sector.
Building stronger relationships in the remittances market.
Focus on implementing risk management methodology in Rappi for achieving breakeven point.
Efforts on managing dollar funding needs and possible legislative proposal about public unit for unclaimed Afore.
Opportunities to issue Tier 2 Bonds and green bonds being considered.
Independent technology base for Bineo to eliminate legacy layers and drive costs down.
Corporate loans grew 20%, commercial loans 12%, and SME loans 32% last year.
重點繼續放在資產質量以及貸款活動與融資成本之間的平衡上。
消費者賬簿是增長最快的細分市場，其推動力是客戶終身價值的增加。
爲新推出的數字銀行Bineo提供全套產品的工作正在進行中。
Rappi的業務表現出積極的單位經濟效益，預計將很快實現收支平衡。
發行了首隻可持續債券並加強了ESG指標披露。
致力於加強風險控制，並根據可接受的風險水平規劃增長。
通過Bineo擴展銀行服務的數字化轉型正在進行中。
作爲近岸業務的一部分，計劃開設45家分支機構。
保費顯著增加，保險業表現強勁。
在匯款市場建立更牢固的關係。
專注於在Rappi中實施風險管理方法，以實現盈虧平衡點。
管理美元資金需求的努力以及可能爲無人認領的Afore提供公共單位的立法提案。
正在考慮發行二級債券和綠色債券的機會。
Bineo的獨立技術基礎可消除傳統層次並降低成本。
去年，公司貸款增長了20％，商業貸款增長了12％，中小企業貸款增長了32％。
Tips: For more comprehensive details, please refer to the IR website. The article is only for investors' reference without any guidance or recommendation suggestions.
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譯文內容由第三人軟體翻譯。