-
市場
-
產品
-
資訊
-
Moo社區
-
課堂
-
查看更多
-
功能介紹
-
費用費用透明,無最低余額限制
投資選擇、功能介紹、費用相關信息由Moomoo Financial Inc.提供
- English
- 中文繁體
- 中文简体
- 深色
- 淺色
Santander to Release Part of Pandemic-Related Provisions in 4Q Following Rise in 3Q Profit -- Earnings Review
Santander to Release Part of Pandemic-Related Provisions in 4Q Following Rise in 3Q Profit -- Earnings Review
By Xavier Fontdegloria
Banco Santander SA reported its third-quarter results on Wednesday. Here is what you need to know:
NET PROFIT: The Spanish bank posted a net profit of 2.17 billion euros ($2.52 billion) in the July-September period, an increase of 24% compared with the same quarter a year earlier. The lender topped analysts' expectations of a EUR2.03 billion profit, according to a consensus estimate provided by FactSet.
REVENUE: Total income rose to EUR11.93 billion from EUR11.09 billion a year earlier. Net fee income increased 8% on year, recovering to pre-pandemic levels. Performance across all geographies was better than expected, with U.K. and Brazil as the main highlights, UBS said. Revenue was above the EUR11.60 billion consensus forecast by analysts.
WHAT WE WATCHED:
--PROVISIONS: Provisions for credit losses declined 12% on year, broadly in line with expectations, to EUR2.22 billion. The cost of credit--the ratio of provisions to expected loan losses--improved by 37 basis points on-year to 0.90%. The bank announced that it will release in the fourth quarter part of the provisions booked at the height of the Covid-19 pandemic, accounting for an amount between EUR700 million and EUR1 billion. The write-back is due to a better-than-expected macroeconomic outlook, it said.
--CAPITAL: As expected, the lender managed to improve its fully-loaded core tier 1 ratio--the strictest measures of solvency--to 11.85% in September from 11.7% in June, boosted by the cut in the dividend payout accrual to 40% from 50%. The rate is at the top range of the bank's 11% to 12% target.
--OUTLOOK: The bank's underlying return on tangible equity--a key measure of profitability--stood at 12.61% in the first nine months of the year, above the 9% to 10% target set by the lender for 2021. Chairman Ana Botin said that she was "confident" the bank could achieve a 13%-15% profitability target in the medium-term.
Write to Xavier Fontdegloria at xavier.fontdegloria@wsj.com
-0-
By Xavier Fontdegloria
澤維爾·方德格洛裏亞(Xavier Fontdegloria)著
Banco Santander SA reported its third-quarter results on Wednesday. Here is what you need to know:
桑坦德銀行(Banco Santander SA)週三公佈了第三季度業績。以下是你需要知道的:
NET PROFIT: The Spanish bank posted a net profit of 2.17 billion euros ($2.52 billion) in the July-September period, an increase of 24% compared with the same quarter a year earlier. The lender topped analysts' expectations of a EUR2.03 billion profit, according to a consensus estimate provided by FactSet.
淨利潤:這家西班牙銀行公佈7-9月淨利潤為21.7億歐元(25.2億美元),同比增長24%。根據FactSet提供的普遍估計,這家銀行的利潤超過了分析師預期的20.3億歐元。
REVENUE: Total income rose to EUR11.93 billion from EUR11.09 billion a year earlier. Net fee income increased 8% on year, recovering to pre-pandemic levels. Performance across all geographies was better than expected, with U.K. and Brazil as the main highlights, UBS said. Revenue was above the EUR11.60 billion consensus forecast by analysts.
收入:總收入從去年同期的110.9億歐元增至19.3億歐元。淨手續費收入同比增長8%,恢復到大流行前的水平。瑞銀表示,所有地區的表現都好於預期,其中英國和巴西是主要亮點。營收高於分析師普遍預測的116億歐元。
WHAT WE WATCHED:
我們觀看的內容:
--PROVISIONS: Provisions for credit losses declined 12% on year, broadly in line with expectations, to EUR2.22 billion. The cost of credit--the ratio of provisions to expected loan losses--improved by 37 basis points on-year to 0.90%. The bank announced that it will release in the fourth quarter part of the provisions booked at the height of the Covid-19 pandemic, accounting for an amount between EUR700 million and EUR1 billion. The write-back is due to a better-than-expected macroeconomic outlook, it said.
-撥備:信貸損失撥備同比下降12%,基本符合預期,至22.2億歐元。信貸成本(撥備與預期貸款損失之比)同比增長37個基點,至0.90%。該行宣佈,將在第四季度釋放新冠肺炎疫情高峯期預訂的部分撥備,金額在7億至10億歐元之間。該公司表示,回寫是由於宏觀經濟前景好於預期。
--CAPITAL: As expected, the lender managed to improve its fully-loaded core tier 1 ratio--the strictest measures of solvency--to 11.85% in September from 11.7% in June, boosted by the cut in the dividend payout accrual to 40% from 50%. The rate is at the top range of the bank's 11% to 12% target.
-資本:不出所料,由於應計股息從50%下調至40%,該行設法將其滿載的核心一級資本充足率-最嚴格的償付能力指標-從6月份的11.7%提高到9月份的11.85%。該利率處於該行11%至12%目標區間的高端。
--OUTLOOK: The bank's underlying return on tangible equity--a key measure of profitability--stood at 12.61% in the first nine months of the year, above the 9% to 10% target set by the lender for 2021. Chairman Ana Botin said that she was "confident" the bank could achieve a 13%-15% profitability target in the medium-term.
-展望:該行今年前9個月的基本有形股本回報率(衡量盈利能力的關鍵指標)為12.61%,高於該行為2021年設定的9%至10%的目標。董事長安娜·博廷(Ana Botin)表示,她對該行能夠在中期內實現13%-15%的盈利目標充滿信心。
Write to Xavier Fontdegloria at xavier.fontdegloria@wsj.com
寫信給Xavier Fontdegloria,電子郵件:xavier.fontdegloria@wsj.com
-0-
-0-
moomoo是Moomoo Technologies Inc.公司提供的金融資訊和交易應用程式。
在美國,moomoo上的投資產品和服務由Moomoo Financial Inc.提供,一家受美國證券交易委員會(SEC)監管的持牌主體。 Moomoo Financial Inc.是金融業監管局(FINRA)和證券投資者保護公司(SIPC)的成員。
在新加坡,moomoo上的投資產品和服務是通過Moomoo Financial Singapore Pte. Ltd.提供,該公司受新加坡金融管理局(MAS)監管(牌照號碼︰CMS101000) ,持有資本市場服務牌照 (CMS) ,持有財務顧問豁免(Exempt Financial Adviser)資質。本內容未經新加坡金融管理局的審查。
在澳大利亞,moomoo上的金融產品和服務是通過Futu Securities (Australia) Ltd提供,該公司是受澳大利亞證券和投資委員會(ASIC)監管的澳大利亞金融服務許可機構(AFSL No. 224663)。請閱讀並理解我們的《金融服務指南》、《條款與條件》、《隱私政策》和其他披露文件,這些文件可在我們的網站 https://www.moomoo.com/au中獲取。
在加拿大,透過moomoo應用程式提供的僅限訂單執行的券商服務由Moomoo Financial Canada Inc.提供,並受加拿大投資監管機構(CIRO)監管。
在馬來西亞,moomoo上的投資產品和服務是透過Moomoo Securities Malaysia Sdn. Bhd. 提供,該公司受馬來西亞證券監督委員會(SC)監管(牌照號碼︰eCMSL/A0397/2024) ,持有資本市場服務牌照 (CMSL) 。本內容未經馬來西亞證券監督委員會的審查。
Moomoo Technologies Inc., Moomoo Financial Inc., Moomoo Financial Singapore Pte. Ltd.,Futu Securities (Australia) Ltd, Moomoo Financial Canada Inc和Moomoo Securities Malaysia Sdn. Bhd., 是關聯公司。
風險及免責聲明
moomoo是Moomoo Technologies Inc.公司提供的金融資訊和交易應用程式。
在美國,moomoo上的投資產品和服務由Moomoo Financial Inc.提供,一家受美國證券交易委員會(SEC)監管的持牌主體。 Moomoo Financial Inc.是金融業監管局(FINRA)和證券投資者保護公司(SIPC)的成員。
在新加坡,moomoo上的投資產品和服務是通過Moomoo Financial Singapore Pte. Ltd.提供,該公司受新加坡金融管理局(MAS)監管(牌照號碼︰CMS101000) ,持有資本市場服務牌照 (CMS) ,持有財務顧問豁免(Exempt Financial Adviser)資質。本內容未經新加坡金融管理局的審查。
在澳大利亞,moomoo上的金融產品和服務是通過Futu Securities (Australia) Ltd提供,該公司是受澳大利亞證券和投資委員會(ASIC)監管的澳大利亞金融服務許可機構(AFSL No. 224663)。請閱讀並理解我們的《金融服務指南》、《條款與條件》、《隱私政策》和其他披露文件,這些文件可在我們的網站 https://www.moomoo.com/au中獲取。
在加拿大,透過moomoo應用程式提供的僅限訂單執行的券商服務由Moomoo Financial Canada Inc.提供,並受加拿大投資監管機構(CIRO)監管。
在馬來西亞,moomoo上的投資產品和服務是透過Moomoo Securities Malaysia Sdn. Bhd. 提供,該公司受馬來西亞證券監督委員會(SC)監管(牌照號碼︰eCMSL/A0397/2024) ,持有資本市場服務牌照 (CMSL) 。本內容未經馬來西亞證券監督委員會的審查。
Moomoo Technologies Inc., Moomoo Financial Inc., Moomoo Financial Singapore Pte. Ltd.,Futu Securities (Australia) Ltd, Moomoo Financial Canada Inc和Moomoo Securities Malaysia Sdn. Bhd., 是關聯公司。
- 分享到weixin
- 分享到qq
- 分享到facebook
- 分享到twitter
- 分享到微博
- 粘贴板
使用瀏覽器的分享功能,分享給你的好友吧