Banco BBVA Argentina S.A. (BBAR) Q3 2024 Earnings Call Transcript Summary
Banco BBVA Argentina S.A. (BBAR) Q3 2024 Earnings Call Transcript Summary
Net interest income decreased by 39.5% QoQ, while net fee income increased by 7.9%.The following is a summary of the Banco BBVA Argentina S.A. (BBAR) Q3 2024 Earnings Call Transcript:
以下是銀行bbva阿根廷S.A. (BBAR) 2024年第三季度業績電話會議記錄摘要:
Financial Performance:
財務表現：
BBVA Argentina's Q3 2024 inflation-adjusted net income was ARS99.2 billion, a 21.6% decrease from the previous quarter.
The bank experienced a 41.3% fall in quarterly operating results mainly due to lower interest income and operational changes.
Net interest income decreased by 39.5% QoQ, while net fee income increased by 7.9%.
ROE was reported at 16.9% and ROA at 2.9% for the quarter.
BBVA阿根廷2024年第三季度通脹調整後的淨利潤爲ARS992億，比上一季度下降了21.6%。
該銀行由於利息收入下降和運營變革，季度運營業績大幅下降了41.3%。
淨利息收入環比下降了39.5%，而淨手續費收入增長了7.9%。
roe報告爲16.9%，roa爲2.9%。
Business Progress:
業務進展：
Digital customer acquisition increased to 83% through digital channels, up from 80% in the previous year.
Retail digital sales represent 73.7% of total sales in monetary value.
Private sector loans grew by 26.5% in real terms, indicating a strong demand and lower market interest rates enhanced lending activities.
The bank issued corporate bonds worth ARS24.5 billion, the first since 2019.
數字客戶獲取通過數字渠道增長至83%，較上一年的80%有所增加。
零售數字銷售額在貨幣價值上佔總銷售額的73.7%。
私營部門貸款以實際計術增長了26.5%，表明需求強勁，利率期貨下降，增強了貸款活動。
銀行發行了價值245億美元的企業債券，這是自2019年以來的第一次。
Opportunities:
機會：
BBVA observes recovery signs in sectors such as industrial activity which has seen a 12% increase.
The growth of digital sales and the increase in private sector loans provide opportunities for further market share gains.
banco bbva觀察到工業活動等板塊出現了12%的增長跡象。
數字銷售的增長和私營部門貸款的增加爲進一步獲得市場份額提供了機會。
Risks:
風險：
The bank's financial results were impacted by lower interest income due to changes in fiscal policies and market rates.
銀行的財務業績受到市場利率和稅收政策變化導致的利息收入下降的影響。
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。