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Earnings Call Summary | TURKIYE GARANTI BANKASI AS(TKGBF.US) Q2 2024 Earnings Conference

Earnings Call Summary | TURKIYE GARANTI BANKASI AS(TKGBF.US) Q2 2024 Earnings Conference

業績會總結 | 土耳其擔保銀行(TKGBF.US) 2024年第二季度業績會
moomoo AI ·  08/05 10:17  · 電話會議

The following is a summary of the Turkiye Garanti Bankasi A.S. (TKGBF) Q2 2024 Earnings Call Transcript:

以下是 Turkiye Garanti Bankasi A.S.(TKGBF)2024年第二季度業績電話會議記錄摘要:

Financial Performance:

財務業績:

  • Garanti Bank reported a net income of TRY 44.6 billion in the first half of 2024, marking a 32% year-on-year growth.

  • The bank achieved a return on average assets of 3.7% and a return on average equity of 34.2%.

  • Core net interest income increased to TRY 10.6 billion, showing significant strength compared to competitors.

  • 加蘭蒂銀行報告稱,2024年上半年的淨收入爲446土耳其里拉,同比增長32%。

  • 該銀行實現了3.7%的平均資產回報率和34.2%的平均股本回報率。

  • 核心淨利息收入增至106土耳其里拉,與競爭對手相比表現出顯著的優勢。

Business Progress:

業務進展:

  • The bank has a customer-focused approach which is evident from continued growth in core banking revenues by 63% year-on-year.

  • They managed a 9% Turkish lira lending growth amidst regulatory caps, focusing on investment, export, credit cards, and earthquake-affected area loans.

  • Garanti has maintained leadership in Turkish lira lending, reinforced by strong digital engagement with nearly 16 million digital active customers.

  • 該銀行採取以客戶爲中心的方針,核心銀行收入同比持續增長63%就證明了這一點。

  • 在監管上限期間,他們實現了9%的土耳其里拉貸款增長,重點是投資、出口、信用卡和地震災區貸款。

  • Garanti在土耳其里拉貸款領域一直保持領先地位,這得益於與近1600萬數字活躍客戶的強大數字互動。

Opportunities:

機會:

  • Continued focus on increasing core banking revenue and managing customer-driven assets efficiently.

  • The bank's plans include further digital expansion and tapping into robust fee-generating lines, especially in payment systems.

  • 繼續專注於增加核心銀行收入和有效管理以客戶爲導向的資產。

  • 該銀行的計劃包括進一步的數字擴張和利用強大的收費渠道,尤其是在支付系統中。

Risks:

風險:

  • There's an expected normalization in NPLs for 2025 due to deteriorations in the wholesale portfolio, indicating a potential rise in cost of risk above 200 basis points.

  • 由於批發投資組合的惡化,預計2025年不良貸款將正常化,這表明風險成本可能上升至200個點子以上。

More details: TURKIYE GARANTI BANKASI AS IR

更多詳情:TURKIYE GARANTI BANKASI AS 投資者關係

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.

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