Earnings Call Summary | CAIXABANK SA UNSP ADR EA REPR 1/3 ORD EUR0.00(CAIXY.US) Q1 2024 Earnings Conference
Earnings Call Summary | CAIXABANK SA UNSP ADR EA REPR 1/3 ORD EUR0.00(CAIXY.US) Q1 2024 Earnings Conference
The following is a summary of the CaixaBank, S.A. (CAIXY) Q1 2024 Earnings Call Transcript:
以下是美國凱克薩銀行（CAIXY）2024年第一季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
CaixaBank reported net income of €1 billion for Q1, an 18% increase year-over-year.
Net Interest Income (NII) showed significant growth at 27.4%, mainly contributing to the overall financial performance.
Wealth management had a positive trajectory with a 4.4% growth within the quarter.
Relatively static growth was seen in customer funds and business loans, with wealth management standing out.
Guidance for return on tangible equity for the year has been upgraded to over 16%.
The bank anticipates around €12 billion to be generated by the end of 2024.
CaixaBank報告稱，第一季度淨收入爲10億歐元，同比增長18％。
淨利息收入（NII）顯示出27.4％的顯著增長，主要促進了整體財務表現。
财富管理表現樂觀，本季度增長4.4％。
客戶資金和商業貸款的增長相對穩定，其中财富管理脫穎而出。
本年度有形資產回報率指引已上調至16％以上。
該銀行預計，到2024年底，將產生約120億歐元的收入。
Business Progress:
業務進展：
Nonperforming loans remained controlled at 2.8%, while the high level of Non Performing Loan (NPL) coverage was maintained.
The bank is continuing its share buyback program and has been consistent with dividend payouts.
It shows strong commitment towards sustainability, disclosing decarbonization targets for five additional sectors and adhering to the net zero banking alliance.
The bank plans to have an 'Investor Day' to share the new strategic plan for 2025-2027.
CaixaBank is optimistic about an increase in new loan production for 2024.
The bank does not foresee inorganic growth or acquisitions in their 3-year plan, indicating a focus on organic growth.
Regarding capital distribution, a form of extraordinary distribution is anticipated during 2024.
There is an ongoing reduction in new deposit rate offerings in Portugal, and they reported a 3% maintenance fee for deposits.
Litigation with Coral Homes and MAPFRE is not expected to have a significant impact on forthcoming capital plans.
不良貸款仍控制在2.8％，而不良貸款（NPL）覆蓋率維持在較高的水平。
該銀行正在繼續其股票回購計劃，並一直保持股息支付。
它顯示了對可持續發展的堅定承諾，披露了另外五個行業的脫碳目標，並堅持淨零銀行聯盟。
該銀行計劃舉辦 “投資者日”，分享2025-2027年的新戰略計劃。
凱克薩銀行對2024年新增貸款產量增加持樂觀態度。
該銀行在其3年計劃中預計不會出現無機增長或收購，這表明將重點放在有機增長上。
關於資本分配，預計將在2024年進行特別分配。
葡萄牙的新存款利率持續降低，他們報告了3％的存款維持費。
預計與Coral Homes和MAPFRE的訴訟不會對即將到來的資本計劃產生重大影響。
More details: CAIXABANK SA UNSP ADR EA REPR 1/3 ORD EUR0.00 IR
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