Banco BBVA Argentina S.A. (BBAR) Q3 2024 Earnings Call Transcript Summary
Banco BBVA Argentina S.A. (BBAR) Q3 2024 Earnings Call Transcript Summary
Net interest income decreased by 39.5% QoQ, while net fee income increased by 7.9%.The following is a summary of the Banco BBVA Argentina S.A. (BBAR) Q3 2024 Earnings Call Transcript:
以下是西班牙对外银行阿根廷有限公司（BBAR）2024年第三季度财报电话会议记录摘要：
Financial Performance:
财务业绩：
BBVA Argentina's Q3 2024 inflation-adjusted net income was ARS99.2 billion, a 21.6% decrease from the previous quarter.
The bank experienced a 41.3% fall in quarterly operating results mainly due to lower interest income and operational changes.
Net interest income decreased by 39.5% QoQ, while net fee income increased by 7.9%.
ROE was reported at 16.9% and ROA at 2.9% for the quarter.
BBVA阿根廷分行2024年第三季度经通胀调整后的净收入为992澳元，比上一季度下降21.6％。
该银行的季度经营业绩下降了41.3％，这主要是由于利息收入减少和运营变化。
净利息收入环比下降了39.5％，而净费用收入增长了7.9％。
该季度的投资回报率为16.9％，投资回报率为2.9％。
Business Progress:
业务进展：
Digital customer acquisition increased to 83% through digital channels, up from 80% in the previous year.
Retail digital sales represent 73.7% of total sales in monetary value.
Private sector loans grew by 26.5% in real terms, indicating a strong demand and lower market interest rates enhanced lending activities.
The bank issued corporate bonds worth ARS24.5 billion, the first since 2019.
通过数字渠道获取的数字客户从去年的80％增加到83％。
按货币价值计算，零售数字销售占总销售额的73.7％。
私营部门贷款按实际价值计算增长了26.5％，这表明强劲的需求和较低的市场利率促进了贷款活动。
该银行发行了价值245澳元的公司债券，这是自2019年以来的首次公司债券。
Opportunities:
机会：
BBVA observes recovery signs in sectors such as industrial activity which has seen a 12% increase.
The growth of digital sales and the increase in private sector loans provide opportunities for further market share gains.
BBVA观察到工业活动等领域的复苏迹象，该行业已增长12％。
数字销售的增长和私营部门贷款的增加为进一步增加市场份额提供了机会。
Risks:
风险：
The bank's financial results were impacted by lower interest income due to changes in fiscal policies and market rates.
该银行的财务业绩受到财政政策和市场利率变化导致的利息收入减少的影响。
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.
提示：本文由 AI 生成。无法完全保证内容的准确性。欲了解更多详情，请访问投资者关系网站。本文仅供投资者参考，不构成任何投资建议。
