Alpha Services and Holdings S.A. (ALBKY) Q3 2024 Earnings Call Transcript Summary
Alpha Services and Holdings S.A. (ALBKY) Q3 2024 Earnings Call Transcript Summary
Capital generation added 131 basis points, reaching 16.5% in equity tier 1 ratio, raising to 17.1% post-pending transactions. Dividends accrued from 2024 profits increased from 20% in 2023 to over 35%.The following is a summary of the Alpha Services and Holdings S.A. (ALBKY) Q3 2024 Earnings Call Transcript:
以下是阿尔法服务与控股有限公司（ALBKY）2024年第三季度财报电话会议记录摘要：
Financial Performance:
财务业绩：
Alpha Services and Holdings reported Q3 2024 recurring earnings of €666 million with a 14.4% return on tangible equity and €0.26 earnings per share.
Net interest income remained strong, supported by solid management of operating leverage and an improvement in provisions.
Capital generation added 131 basis points, reaching 16.5% in equity tier 1 ratio, raising to 17.1% post-pending transactions. Dividends accrued from 2024 profits increased from 20% in 2023 to over 35%.
Updated guidance predicts further improvements in net interest income, lower provisioning expenses, and stronger risk-weighted asset optimization, leading to higher recurring earnings and profitability.
阿尔法服务与控股公司公布的2024年第三季度经常性收益为66600万欧元，有形资产回报率为14.4％，每股收益为0.26欧元。
在稳健的运营杠杆管理和准备金改善的支持下，净利息收入保持强劲。
资本产生增加了131个基点，达到1级股权比率的16.5％，待处理交易后提高到17.1％。2024 年应计的股息利润从 2023 年的 20% 增加到 35% 以上。
更新的指导方针预测，净利息收入将进一步改善，准备金支出降低，风险加权资产优化将得到加强，从而提高经常性收益和盈利能力。
Business Progress:
业务进展：
The company has seen strong loan book growth, particularly in corporate loans, contributing to net credit expansion appreciated at €2 billion for 2024.
Fee income grew robustly, with significant contributions from asset management and expected growth in bancassurance and payments sectors.
Alpha Services strengthened its partnership with UniCredit, enhancing offerings in private banking, asset management, and corporate banking operations.
该公司的贷款账面增长强劲，尤其是公司贷款，促成了2024年的净信贷扩张增值20欧元。
费用收入强劲增长，资产管理的巨额贡献以及银行保险和支付领域的预期增长。
Alpha Services加强了与UniCredit的合作伙伴关系，加强了在私人银行、资产管理和企业银行业务方面的服务。
Opportunities:
机会：
The partnership with UniCredit allows tapping into the pan-European banking network, creating opportunities for innovative banking services and products in the Greek market.
与UniCredit的合作允许进入泛欧银行网络，为希腊市场的创新银行服务和产品创造机会。
Risks:
风险：
Mentioned risks pertain mostly to interest rate fluctuations affecting net interest income, albeit hedged substantially.
上述风险主要与影响净利息收入的利率波动有关，尽管进行了大量套期保值。
Tips: This article is generated by AI. The accuracy of the content can not be fully guaranteed. For more comprehensive details, please refer to the IR website. The article is only for investors' reference without any guidance or recommendation suggestions.
小贴士：本文由 AI 生成。无法完全保证内容的准确性。如需更全面的详情，请访问投资者关系网站。本文仅供投资者参考，不提供任何指导或建议建议。
