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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Novo Banco (NOVOBANCO) investor relations material
Novo Banco H1 2024 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2024 earnings summary1 Aug, 2024
Executive summary
Net profit reached €370.3M in H1 2024, supported by strong capital, digital adoption, and a robust, low-risk business model.
RoTE stood at 17.4% and CET1 FL at 19.9%, reflecting strong capital generation and accretion.
Net interest income rose to €595M, with NIM at 2.83%, and fee income grew 11% year-over-year.
Cost to income ratio improved to 32.1%, with operating costs up due to investments and inflation.
One-off €30M provision booked for transformation and digital upgrades.
Financial highlights
Net profit of €370.3M for H1 2024, with net interest income at €594.9M and NIM at 2.83%.
Fee and commission income up 11% to €161M, with strong growth in accounts and payments.
Cost/income ratio improved to 32.1%; operating costs rose due to digital transformation and inflation.
Net assets reached €45.1B (+3.8% YTD); gross customer credit at €28.5B (+1.1% YTD).
Customer deposits rose to €29.1B (+3.5% YTD); loan-to-deposit ratio at 79.2%.
Outlook and guidance
Full-year 2024 net profit guidance raised to over €700M, with commercial banking income expected above €1.4B.
Cost/income ratio targeted below 35%, cost of risk below 50bps.
Focus on digital transformation, operational efficiency, and sustainable growth.
Strategic plan emphasizes customer-centricity, simplicity, and ESG integration.
Capital build-up and optimization remain key priorities.
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Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
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Frequently asked questions
Novo Banco S.A. is a Portuguese bank providing a wide range of financial services, including retail, corporate, and investment banking. The bank offers personal banking services such as accounts, loans, mortgages, and investment products to individuals, along with tailored financial solutions for businesses, including commercial loans, treasury services, and asset management. Novo Banco also supports institutional clients with specialized financial advisory and wealth management services. The company is headquartered in Lisbon, Portugal.
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