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 阿根廷銀行 S.A. SPON ADS EACH REP 3 ORD SHS (BBAR) 2023 年第四季度業績電話會議記錄摘要：
Financial Performance:
財務業績：
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.
西班牙對外銀行阿根廷分行報告稱，2023年第四季度經通脹調整後的淨收入爲486億阿根廷披索，較2023年第三季度增長220.8％，儘管年收入同比下降8.6％。
第四季度的營業收入爲4779億阿根廷披索，比第三季度增長86.4％。
該銀行在2023年實現了經通脹調整後的資產回報率（ROA）爲2.7％，股本回報率（ROE）爲13％。
該季度的淨利息收入爲4957億阿根廷披索，同比增長19.7％。
第四季度貸款損失準備金增加了74.9％。
總運營支出略高，達到2117億阿根廷披索，比上一季度增長0.6％。
Business Progress:
業務進展：
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.
該銀行的數字參與度有所提高，到2023年底，零售數字客戶佔62％，移動客戶達到57％。
數字銷售佔總銷售額的很大一部分，單位銷售額爲93.2％，貨幣價值爲69.8％。
2023年第四季度，通過數字渠道收購的新客戶增加到75％。
儘管私營部門貸款同比下降12.3％，但BBVA阿根廷的合併市場份額從去年同期的9.10％提高至9.85％。
私人非金融部門的存款環比下降了8.6％，總額爲3.1萬億阿根廷披索。
截至2023年底，該銀行的流動性比率強勁，佔存款總額的91.2％，資本比率在第四季度達到32.8％，這主要是由於OCI業績的改善。
More details: Banco BBVA IR
更多詳情： BBVA IR 銀行
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