空中云汇联合创始人兼首席执行官Jack Zhang表示："这项为期多年的投资，体现了我们以英国为支 点、辐射整个EMEA（欧洲、中东及非洲）地区的信心，以及我们为企业构建全球化竞争所需金融服务 基础设施的决心。" 经济观察网 1月下旬，Airwallex 空中云汇启用位于伦敦菲茨罗维亚区的新办公室。 据悉，空中云汇计划于2026年初，在荷兰、法国、德国及阿联酋等关键市场实施进一步投资，逐步构建 覆盖欧洲主要经济体的服务网络。此次启用的伦敦新办公室面积超过16,000平方英尺，规模为原先的两 倍以上，它将作为区域枢纽，协调支持欧洲乃至中东地区的业务拓展与客户服务。 在人才招募方面，空中云汇计划大幅扩充英国团队，预计到2026年底，当地全职员工数量将增至160 人，以强化本地运营与服务能力；在产品创新方面，空中云汇将推出并深化包括Spend AI、公司卡及订 阅产品在内的多项服务，助力企业提升财务运营效率。 这不仅是空中云汇在英国实体布局的重要升级，更是其持续深耕欧洲市场、加速区域扩张的关键一步。 据悉，去年12月，空中云汇宣布在未来五年向英国业务投入5.9亿美元，驱动英国本土及区域增长。根 据规划，该笔投资将重 ...

Financial Data and Key Metrics Changes - The company achieved a record net income to common of $101 million, representing a 36% increase compared to the adjusted net income to common in Q3 of the previous year [15][7] - Earnings per share reached a record of $2.18, marking a 37% increase year-over-year [15][7] - The return on average assets was reported at 1.3%, exceeding the target of 1.1% [5][7] - Total revenue increased by $35.4 million, or 12% year-over-year, supported by a 13% growth in net interest income [13][7] Business Line Data and Key Metrics Changes - The Treasury Solutions platform saw a 91% increase in product fees over the past four years, indicating strong growth in this area [8][9] - Average commercial loan balances increased by 3%, or $317 million, during the quarter, with ending period balances up approximately $1 billion, or 9% year-over-year [16][7] - The firm is now a top-five Texas-based originator of SBA loans, reflecting its commitment to serving small businesses [9][7] Market Data and Key Metrics Changes - The company reported a 22% year-over-year increase in client interest-bearing deposits, excluding multi-year contraction index deposits, which were up $3.3 billion [17][7] - The allowance for credit loss finished the quarter at $333 million, or 1.79% of loans held for investment, which is the highest level relative to criticized loans since 2014 [22][7] Company Strategy and Development Direction - The company is focused on transforming into a full-service financial services firm, aiming to bank the best clients in its markets [4][7] - The strategic plan includes a disciplined capital allocation process aimed at driving long-term shareholder value [10][7] - The firm is committed to maintaining a strong capital position, with tangible common equity to tangible assets at an all-time high of 10.25% [6][7] Management's Comments on Operating Environment and Future Outlook - Management expressed a conservative view on the uncertain economic environment, maintaining a cautious approach to credit risk [15][7] - The company reaffirmed its revenue guidance of low double-digit percentage growth for the full year, despite anticipated rate cuts [24][7] - Management highlighted the importance of client selection as a key risk mitigant, emphasizing the proactive management of the loan book [41][7] Other Important Information - The firm repurchased 12% of shares outstanding at a weighted average price of $59 per share, reflecting a disciplined approach to capital management [10][7] - The company has made significant investments in its platform to enhance operational efficiency and client service [7][7] Q&A Session Summary Question: Loan growth and commitments outlook - Management noted that while loan growth may have slowed, commitments increased by 11% quarter-over-quarter, indicating potential for better performance in the fourth quarter [28][29] Question: Investment banking trading line item expectations - The firm reported a record investment banking quarter and narrowed the full-year fee income guidance to $230 to $235 million, with expectations for fourth-quarter non-interest income of $60 to $65 million [33][32] Question: NII growth amid rate cuts - Management indicated that net interest income is expected to be between $255 to $260 million for Q4, despite anticipated rate cuts, due to effective deposit pricing strategies [36][37] Question: Credit transformation since 2021 - The company reported a significant reduction in criticized loans, down $368 million or 41%, reflecting a strong focus on client selection and risk management [40][41] Question: Capital deployment opportunities - Management emphasized a disciplined capital menu, focusing on organic growth and platform investments, while also considering M&A opportunities in the future [49][50]