Alpha Services and Holdings S.A. (ALBKY) Q3 2024 Earnings Call Transcript Summary
Alpha Services and Holdings S.A. (ALBKY) Q3 2024 Earnings Call Transcript Summary
Capital generation added 131 basis points, reaching 16.5% in equity tier 1 ratio, raising to 17.1% post-pending transactions. Dividends accrued from 2024 profits increased from 20% in 2023 to over 35%.The following is a summary of the Alpha Services and Holdings S.A. (ALBKY) Q3 2024 Earnings Call Transcript:
以下是Alpha Services and Holdings S.A. (ALBKY) 2024年第三季度業績會交易簡報：
Financial Performance:
財務表現：
Alpha Services and Holdings reported Q3 2024 recurring earnings of €666 million with a 14.4% return on tangible equity and €0.26 earnings per share.
Net interest income remained strong, supported by solid management of operating leverage and an improvement in provisions.
Capital generation added 131 basis points, reaching 16.5% in equity tier 1 ratio, raising to 17.1% post-pending transactions. Dividends accrued from 2024 profits increased from 20% in 2023 to over 35%.
Updated guidance predicts further improvements in net interest income, lower provisioning expenses, and stronger risk-weighted asset optimization, leading to higher recurring earnings and profitability.
Alpha Services and Holdings報告2024年第三季度的固定收益爲€66600萬，有14.4%的有形股權回報率，每股收益爲€0.26。
淨利息收入保持強勁，得益於運營槓桿的穩健管理和撥備的改善。
資本生成增加了131個點子，達到16.5%的一級資本比率，在掛起交易後升至17.1%。2024年利潤產生的股息從2023年的20%增加到35%以上。
更新後的指導預測淨利息收入進一步提高，撥備費用降低，並且風險加權資產優化更強，從而實現更高的固定收益和盈利能力。
Business Progress:
業務進展：
The company has seen strong loan book growth, particularly in corporate loans, contributing to net credit expansion appreciated at €2 billion for 2024.
Fee income grew robustly, with significant contributions from asset management and expected growth in bancassurance and payments sectors.
Alpha Services strengthened its partnership with UniCredit, enhancing offerings in private banking, asset management, and corporate banking operations.
該公司看到貸款簿增長強勁，尤其是企業貸款，爲2024年被重視的淨信貸擴張貢獻了€20億。
手續費收入快速增長，資產管理和預期在銀行保險和支付領域的增長做出了重要貢獻。
Alpha Services加強了與UniCredit的合作伙伴關係，增強了在私人銀行、資產管理和企業銀行業務方面的業務。
Opportunities:
機會：
The partnership with UniCredit allows tapping into the pan-European banking network, creating opportunities for innovative banking services and products in the Greek market.
與UniCredit的合作伙伴關係允許利用泛歐洲銀行網絡，爲希臘市場創造創新銀行服務和產品的機會。
Risks:
風險：
Mentioned risks pertain mostly to interest rate fluctuations affecting net interest income, albeit hedged substantially.
提到的風險主要涉及影響淨利息收入的利率波動，儘管已經做了相當大的對沖。
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。
