Earnings Call Summary | Banco BBVA(BBAR.US) Q4 2023 Earnings Conference
Earnings Call Summary | Banco BBVA(BBAR.US) Q4 2023 Earnings Conference
The following is a summary of the Banco BBVA Argentina S.A. SPON ADS EACH REP 3 ORD SHS (BBAR) Q4 2023 Earnings Call Transcript:
以下是 BBVA 阿根廷银行 S.A. SPON ADS EACH REP 3 ORD SHS (BBAR) 2023 年第四季度财报电话会议记录摘要：
Financial Performance:
财务业绩：
BBVA Argentina reported inflation-adjusted net income of ARS 48.6 billion in Q4 2023, a 220.8% increase from Q3 2023, though the annual income decreased by 8.6% year-on-year.
The Q4 operating income was ARS 477.9 billion, which is up 86.4% than Q3.
The bank yielded an inflation-adjusted return on assets (ROA) of 2.7% and a return on equity (ROE) of 13% in 2023.
Net interest income for the quarter stood at ARS 495.7 billion, marking a 19.7% increase quarter-to-quarter.
There was a 74.9% increase in loan loss allowances in the fourth quarter.
The total operating expenses were slightly high at ARS 211.7 billion, a 0.6% increase over the previous quarter.
西班牙对外银行阿根廷分行报告称，2023年第四季度经通胀调整后的净收入为486亿阿根廷比索，较2023年第三季度增长220.8％，尽管年收入同比下降8.6％。
第四季度的营业收入为4779亿阿根廷比索，比第三季度增长86.4％。
该银行在2023年实现了经通胀调整后的资产回报率（ROA）为2.7％，股本回报率（ROE）为13％。
该季度的净利息收入为4957亿阿根廷比索，同比增长19.7％。
第四季度贷款损失准备金增加了74.9％。
总运营支出略高，达到2117亿阿根廷比索，比上一季度增长0.6％。
Business Progress:
业务进展：
The bank's digital engagement increased with retail digital customers accounting for 62% and mobile clients reaching 57% by the end of 2023.
Digital sales constituted a significant portion of total sales with 93.2% unit sales and 69.8% in monetary value.
Acquisitions of new customers through digital channels increased to 75% in the fourth quarter of 2023.
Despite a 12.3% YoY decrease in private sector loans, BBVA Argentina's consolidated market share improved to 9.85% from 9.10% a year earlier.
Deposits from the private non-financial sector decreased by 8.6% QoQ, totaling ARS 3.1 trillion.
The bank's liquidity ratio was strong at 91.2% of total deposits by the end of 2023, and the capital ratio reached 32.8% in Q4, primarily due to better OCI results.
该银行的数字参与度有所提高，到2023年底，零售数字客户占62％，移动客户达到57％。
数字销售占总销售额的很大一部分，单位销售额为93.2％，货币价值为69.8％。
2023年第四季度，通过数字渠道收购的新客户增加到75％。
尽管私营部门贷款同比下降12.3％，但BBVA阿根廷的合并市场份额从去年同期的9.10％提高至9.85％。
私人非金融部门的存款环比下降了8.6％，总额为3.1万亿阿根廷比索。
截至2023年底，该银行的流动性比率强劲，占存款总额的91.2％，资本比率在第四季度达到32.8％，这主要是由于OCI业绩的改善。
More details: Banco BBVA IR
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