CO MPAN Y PR ESEN TATI ON N o v e mb e r 2 0 1 7 L A R G E CO M PA - - PowerPoint PPT Presentation

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CO MPAN Y PR ESEN TATI ON N o v e mb e r 2 0 1 7 L A R G E CO M PA N I E S D O N ' T B E AT S M A L L CO M PA N I E S . S M A L L CO M PA N I E S D O N ' T B E AT L A R G E CO M PA N I E S . FA ST CO M PA N I E S B E AT T H E S

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SLIDE 1

CO MPAN Y PR ESEN TATI ON

N o v e mb e r 2 0 1 7

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SLIDE 2

L A R G E CO M PA N I E S D O N ' T B E AT S M A L L CO M PA N I E S . S M A L L CO M PA N I E S D O N ' T B E AT L A R G E CO M PA N I E S . FA ST CO M PA N I E S B E AT T H E S LOW.

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SLIDE 3

Learn

TH E O NLY SUSTAINAB LE CO M P ETITIVE ADVANTAGE OVE R TIME I S TH E S PEED AT WH ICH CO M PAN IES LEARN

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SLIDE 4

BIND GROUP

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SLIDE 5

BIND GROUP

NET INCOME

Industrial Valores Industrial Asset Management Industrial Broker de Seguros Credicuotas Bind Banco Industrial 2015 4,5 0,2 2,3 0,5 18,5 26,0 2016 8,2 0,8 3,5 1,3 15,8 29,6 PEA 2017 2,9 0,9 2,7 1,7 33,6 41,7

EQUITY

Industrial Valores Industrial Asset Management Industrial Broker de Seguros Credicuotas Bind Banco Industrial 2015 5,2 0,4 2,6 2,2 84,7 95,2 2016 8,4 0,9 3,7 3,1 85,3 101,5 PEA 2017 10,4 1,7 6,0 4,5 109,8 132,4 Total Total Millions USD Millions USD Total Assets: 1.8 Billion USD
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SLIDE 6

BIND GROUP

Total

HEADCOUNT

Industrial Valores Industrial Asset Management Industrial Broker de Seguros Credicuotas Bind Banco Industrial SEP 17 10 5 22 42 678 757 1,32% 2,90% 0,06% 89,56% Industrial Valores Industrial Asset Management Industrial Broker de Seguros Credicuotas Bind Banco Industrial 5,54%
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SLIDE 7

Bind Banco Industrial focuses his business throught three main business units

Market leader in pension payment services. Serving over 390.000 pensioners, with a monthly flow over USD 179 mm. Personal Loans up to USD 133 mm (approximately 152.500 transactions). Retail short-term deposits amounts USD 215 mm.

Consumer Banking

Focused on helping achieving working capital needs. Leading position in Factoring - with a market share of 3,5%. Has 2.300 direct customers and over 50.000 indirect SMEs customers. Loans & funding to SMEs amounts USD 328 mm and USD 164 mm, respectively.

Business Banking

Focused on trading of bonds and foreign currency. Ranked in the top 20 in foreign currency and government bonds trades. “Investment grade” Risk Rating allows us to attract institutional investors deposits, for about USD 279 mm.

Corporate Banking

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SLIDE 8

Top 20 bank in Trade Service, between 60 financial intitutions (*)

Export # 17 Import # 14

QUANTITIES Rankings

Goods & Services # 19 Export # 19 Import # 15 VOLUME AMOUNT = USD 2bn, aprx.

VOLUME Rankings

Bind Nominations = 6500 Export 3000 Import 3500

CUSTOMS CLEARENCE

(*) BCRA MULC´s statistics (2016) Export 2100 Import 6300

TICKETS Quantity = 8400

anked in the top 20 in foreign currency
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SLIDE 9

BRANCH NETWORK

Buenos Aires 64% Santa Fé 3% Salta 3% Mendoza 3% Córdoba 10% Tucumán 7% Capital Federal 10% Branches Service Centers Total ATM´s 15 19 34 65

Regional presence

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SLIDE 10 By constantly improving our core management system, we have achieved the highest local rating. Fitch Ratings has raised Banco Industrial Long-Term Rating from “A” to “A+”. Also, it reconfirmed “A1” as Short-Term Rating, while the outlook remains STABLE. Denotes a very strong credit capacity relative to other issuers
  • r issues in the same country.
Indicates the strongest capacity for timely payment of financial commitments relative to other issuers or issues in the same country.

BANK RANKING

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SLIDE 11

OUR

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SLIDE 12

The Bank has a conservative policy in terms of liquidity, provision and capital levels

Liquid Assets / Total Deposits Source BCRA 60,0% 50,0% 40,0% 30,0% 20,0% 10,0% 0,0% 42,9% 40,6% 31,3% 26,3% 44,1% 34,1% 20,0% 18,3% 17,5% 38,2% 40,1% 53,9% 45,6% 44,4% Net Loans (1) / Deposits Source BCRA (1) Incluiding Leasing and excluiding loans to the non-financial public sector. 120,0% 100,0% 80,0% 60,0% 40,0% 20,0% 0,0% 69,2% 79,2% 90,7% 98,0% 77,4% 90,5% 101,2% 102,6% 96,0% 77,7% 72,8% 63,8% 66,7% 74,6% sep-17 sep-17
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SLIDE 13

The Bank has a conservative policy in terms of liquidity, provision and capital levels

Equity / Total Assets Source BCRA 14,0% 12,0% 10,0% 8,0% 6,0% 4,0% 2,0% 0,0% 9,3% 9,0% 8,8% 9,9% 12,3% 12,6% 11,9% 10,7% 10,9% 10,1% 10,8% 9,3% 10,6% 10,2% Capitalization (RPC – Computable Equity - / Risk – Weighted Assets -) Source Banco Industrial 20,0% 15,0% 10,0% 5,0% 0,0% 14,3% 19,7% 15,9% 16,2% 17,1% 18,6% 16,1% 15,1% 14,1% 14,8% 14,1% 14,1% 14,8% 14,8% sep-17 sep-17
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SLIDE 14

Given the nature of our products and funding base,

  • ur margins remain at very good levels...
Assets Yield Source BCRA and Financial Statements (Financial Income / Average Assets) 30,0% 25,0% 20,0% 15,0% 10% 5,0% 0,0% 11,8% 11,5% 11,0% 20,4% 19,6% 18,4% 17,5% 20,3% 23,5% 22,0% 11,1% 20,4% 24,0% 20,8% Cost of Liabilities Source BCRA and Financial Statements (Financial Expenditure / Average Liabilities). 18,0% 16,0% 14,0% 12,0% 10,0% 8,0% 6,0% 4,0% 2,0% 0,0% 2,8% 4,3% 5,7% 9,3% 6,6% 8,7% 7,9% 9,5% 16,0% 14,6% 13,7% 6,6% 9,3% 9,9% sep-17 sep-17
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SLIDE 15

Given the nature of our products and funding base,

  • ur margins remain at very good levels...
Financial Margin Source BCRA / Financial Statements 14,0% 12,0% 10,0% 8,0% 6,0% 4,0% 2,0% 0,0% 9,2% 7,6% 5,8% 12,1% 5,0% 10,6% 11,9% 12,9% 10,3% 9,7% 12,7% 12,1% 12,0% 11,9% Net Interest Spread Source BCRA and Financial Statements. Note: Calculated as the difference between assets yield and the cost of liabilities. 16,0% 14,0% 12,0% 10,0% 8,0% 6,0% 4,0% 2,0% 0,0% 12,1% 12,6% 11,5% 14,5% 8,0% 13,3% 9,7% 10,9% 12,8% 8,9% 11,8% 11,3% 10,9% 8,3% sep-17 sep-17
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SLIDE 16

MANAGEMENT

Andrés Meta RED PREVISIONAL Ariel Salituri BANCA EMPRESA Alejandro Coscia NEGOCIOS INTERNACIONALES Gerardo Guastavino FINANZAS Y MERCADO DE CAP. Gastón Eckelhart Facundo Vázquez OPERACIONES BANCARIAS Carlos Natale
  • OP. FINANCIERAS Y TESORERÍA
Fabián Tuacchi SISTEMA E INNOVACIÓN Alejandra Rodríguez TECNOLOGÍA E INFRAESTRUCTURA Inti Benites PRODUCTOS Rosario Flores Vidal MARKETING Leonardo Dillenberger GDH Andrea Galliano RSE / RRII / ATENCIÓN AL CLIENTE María Laura Visuara
  • Infraestruc. Seguridad
y Aprov. Estrat. Bernardo Landa Andrés Prida LEGALES Paula González Silvestrin ADMINISTRACIÓN María Cristina Galano RIESGOS INTEGRALES Y CRÉDITOS Pablo Deutesfeld AUDITORÍA INTERNA Eugenia Blanco
  • PREV. LAV. DINERO
Rodolfo Irrazabal P R E S I D E N T V I C E P R E S I D E N T C E O

BOARD

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SLIDE 17 Fondo IAM Abierto PyMes Fondo IAM Renta Plus Fondo IAM Ahorro Pesos Fondo IAM Renta Variable Fondo IAM Renta Crecimiento Fondo IAM Renta Capital

USD 303 MM AUM. Local and international execution. Top 5 at local fixed-Income fund market.

OUR 8 MUTUAL FUNDS

Fondo IAM Renta Dólar * Assets under Management Fondo IAM Estrategia
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SLIDE 18 Dec, 2015

USD 60

+46,3% over Sept 2015 Dec, 2016

USD 166

+176% over Dec 2015 Sep, 2017

USD 303

+82,5% over Dec 2016 Sept, 2015* USD 41 * Inception of funds, except IAM Rta Variable

GROWTH

*Assets under Management (USD)

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SLIDE 19 Javier Padova President jpadova@bancoindustrial.com.ar (+54 11) 3042 0278 @ Javier Popowsky Director jpopowsky@bancoindustrial.com.ar (+54 11) 5220 5755 @ Gaston Eckelhart Director geckelhart@bancoindustrial.com.ar (+54 11) 3003 3587 @ Ignacio Boccardo Director iboccardo@bancoindustrial.com.ar (+54 11) 3426 5677 @

IAM MANAGEMENT

Daniela Castaldo Head Portfolio Manager dcastaldo@fondosiam.com.ar (+54 11) 6707 5616 @ Martin Salvo Portfolio Manager msalvo@fondosiam.com.ar (+54 11) 3801 2107 @ Diego Cetani Commercial Manager dcetani@fondosiam.com.ar (+54 11) 4415 6578 @
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SLIDE 20 4
  • position
in ByMA Fixed Income Ranking (Senebi), SEP 17. 6
  • position
in Rofex Ranking, SEP 17.

6

  • 4
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SLIDE 21

CAPITAL MARKETS CREDENTIALS

ON ROGIRO ACEROS SERIE XII VN $80.000.000 COLOCADOR Junio 2016 FIDEICOMISO FINANCIERO CGM XXX VN $112.938.590 BRIDGE + UNDERWRITER COLOCADOR Marzo 2017 OBLIGACIÓN NEGOCIABLE SERIE VII Y VIII VN $282.237.500 CO-COLOCADOR Enero 2017 FIDEICOMISO FINANCIERO CARFACIL II VN $59.464.510 BRIDGE + UNDERWRITER COLOCADOR Enero 2017 BRIDGE + UNDERWRITER COLOCADOR Febrero 2017 FIDEICOMISO FINANCIERO CARFACIL II VN $59.464.510 BRIDGE + UNDERWRITER COLOCADOR Febrero 2017 FIDEICOMISO FINANCIERO TARJETA PLATA V VN $38.997.600 FIDEICOMISO FINANCIERO UNICRED FACTORING VII VN $135.000.000 OBLIGACIÓN NEGOCIABLE SERIE III VN U$S 100.000.000 UNDERWRITER CO-COLOCADOR Marzo 2017 FIDEICOMISO FINANCIERO FIDEBICA 46 VN $250.153.946 SUB-COLOCADOR Abril 2017 OBLIGACIÓN NEGOCIABLE SERIE IX Y X VN $500.000.000 CO-COLOCADOR Abril 2017 BRIDGE + UNDERWRITER CO-COLOCADOR Marzo 2017 FIDEICOMISO FINANCIERO CREDICUOTAS III VN $94.093.704 CO-COLOCADOR Mayo 2017 PRÉSTAMO SINDICADO U$S 16.000.000 CO-PRESTAMISTA Julio 2017 OBLIGACIONES NEGOCIABLES CLASE I Y II VN U$S 43.289.318 CO-COLOCADOR Mayo 2017 FIDEICOMISO FINANCIERO TARJETA GRUPAR 15 VN $8.936.559 BRIDGE Mayo / Agosto 2017 FIDEICOMISO FINANCIERO SENSEI III VN $51.063.103 CO-COLOCADOR Mayo 2017 FIDEICOMISO FINANCIERO ELEBAR XXI VN $77.748.864 CO-COLOCADOR Mayo 2017 FIDEICOMISO FINANCIERO CGM XXXI VN $105.911.671 BRIDGE - UNDER CO-COLOCADOR Septiembre 2017 SUB-COLOCADOR Junio 2017 FIDEICOMISO FINANCIERO FIDEBICA 47 VN $171.636.431 OBLIGACIÓN NEGOCIABLE SERIE XI Y XII VN $346.995.624 CO-COLOCADOR Julio2017 OBLIGACIÓN NEGOCIABLE SERIE I VN U$S 4.000.000 CO-COLOCADOR Julio2017 VALOR DE CORTO PLAZO SERIE II VN $100.000.000 CO-COLOCADOR Julio2017 PRÉSTAMO SINDICADO U$S 33.000.000 CO-PRESTAMISTA Julio2017 PRÉSTAMO SINDICADO $20.000.000 CO-PRESTAMISTA Agosto 2017 OBLIGACIÓN NEGOCIABLE SERIE III Y IV VN U$S 140.000.000 CO-COLOCADOR Septiembre 2017 OBLIGACIÓN NEGOCIABLE SERIE I Y II VN $139.683.000 CO-COLOCADOR Septiembre 2017 FIDEICOMISO FINANCIERO ELEBAR XXII VN $86.629.239 CO-COLOCADOR Septiembre 2017 FIDEICOMISO FINANCIERO FIDEBICA 48 VN $142.877.595 SUB-COLOCADOR Septiembre 2017 FIDEICOMISO FINANCIERO UNICRED FACTORING IX VN $158.600.000 BRIDGE + UNDERWRITER CO-COLOCADOR Septiembre 2017
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SLIDE 22

In July 2015 we launched b.trader, an application that makes investor experience easy and simple. Real time quotations, company track records, ongoing updates

  • n all available markets.

btrader.com.ar

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SLIDE 23 MILLIONS USD Dec, 2015

USD 173

+166,4% over Dec 2014 Dec, 2016

USD 364

+110,3% over Dec 2015 Sep, 2017

USD 555

+52,6% over Dec 2016 Dec, 2014 USD 65

GROWTH

*Assets under Management (USD)

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SLIDE 24

IVSA MANAGEMENT

Javier Popowsky Director jpopowsky@bancoindustrial.com.ar (+54 11) 5220 5755 @ Karina Yankillevich Director kyankillevich@bancoindustrial.com.ar (+54 11) 5238 0200 @ Gaston Eckelhart Bind Financial Manager geckelhart@bancoindustrial.com.ar (+54 11) 3003 3587 @ Juan Depetris IVSA Manager jdepetris@bancoindustrial.com.ar (+54 11) 6059 3721 @ Guillermo Maresco Sales & Trading gmaresco@bancoindustrial.com.ar (+54 11) 5238 0200 int. 27430 @ Miguel Zitarosa Sales & Trading mzitarosa@bancoindustrial.com.ar (+54 11) 5238 0200 int. 27413 @ Rodrigo Balseiro Sales & Trading rbalseiro@bancoindustrial.com.ar (+54 11) 5238 0200 int. 27542 @ Sofía Cabrera Head of Capital Markets scabrera@bancoindustrial.com.ar (+54 11) 4329 2388 @
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SLIDE 25

We reached the 100.000 policies sold. We administer USD 15.800.000 in annual insurance premiums. We invest in #ComparaOnline to join the technological challenges.

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SLIDE 26 Sebastian Habif CEO Marcela Monsalvo Asistente Ejecutiva Eugenia Etchart Asistente Comercial Corporate Agustina Velas Atención al Cliente Agustina Graciotti Equipo Comercial Corporate Matías Sanguinetti Team Leader Cecilia Kacero Operations Team Leader Francisco Romano Logística Martín Enterrios Equipo Comercial Corporate Daniel Villar Líneas Personales Amorina Fusaro Team Leader Cuentas Corrientes Valentín Boari Equipo Comercial Corporate Alejandro Luciardo Automóviles Santiago Montes de Oca Riesgos de Trabajo y Vida Román Olguin Seguros Masivos Analía Lavazza Operaciones Julieta Ponce Siniestros Automóviles Juan Pablo Tornato Responsable de Siniestros Juan Carlos Lago Cuentas Corrientes Victoria Barrionuevo Cuentas Corrientes

INDUSTRIAL SEGUROS MANAGEMENT

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SLIDE 27

OUR FIGURES

Credicuotas (1) 81% 8% 25% 10% Average Market (2) 23% 4% 42% 20% Indicator ROE ROA Administration Fees / Income Administration Fees / Asset

Source (1) Credicuotas 2016/17 (2) CNV

> USD 38 MM

Total Loans

+ 50 K

Active Customers

8%

Non Profit Loans

5%

Provisions for losses

> USD 4 MM

Monthly Sale

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SLIDE 28

CAPITAL MARKETS CREDENTIALS

Fideicomiso Financiero Credicuotas Consumo II VN$81.054.789 Septiembre 2016 Fideicomiso Financiero Credicuotas Consumo I VN$80.851.513 Abril 2016 Fideicomiso Financiero Credishopp VI VN$36.809.611 Febrero 2015 Noviembre 2014 Fideicomiso Financiero Credishopp V VN$38.541.237 Mayo 2017 Fideicomiso Financiero Credicuotas Consumo III VN$94.093.704 Septiembre 2013 Fideicomiso Financiero Credishopp IV VN$13.577.670 Fideicomiso Financiero Credishopp III VN$9.591.401 Noviembre 2012 Fideicomiso Financiero Credishopp II VN$9.463.173 Julio 2011 Fideicomiso Financiero Credishopp I VN$8.553.177 Diciembre 2010
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SLIDE 29

CREDICUOTAS MANAGEMENT

Ezequiel Weisstaub CEO eweisstaub@credicuotas.com.ar (+54 11) 5214 7692 @ Diego Manobla CRO dmanobla@credicuotas.com.ar (+54 11) 5214 7692 @ Ramón Menalled CFO rmenalled@credicuotas.com.ar (+54 11) 3878 1480 @ Facundo Vazquez CTO fvazquez@bind.com.ar (+54 11) 5238 0211 @
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SLIDE 30

Our mission is to be a game changing company, with innovative and disruptive technologies, that allows the digital conversion of businesses or even better, the arising of new business models that didn't exist.

POINCENOT MANAGEMENT

Facundo Vázquez CEO - CO Founder Augusto Fernández Villa COO - Co Founder Mario Andrés López CBO - Co Founder facundo@poincenot.com @ augusto@poincenot.com @ mario@poincenot.com @
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SLIDE 31

OWN FINTECH LAB

Exponential growth and simple products that allow scalability at a regional level - LATAM. 100% AUTOMATED Minimum administrative structure, with fully automated operational processes.

COMPANY BUILDER

FINTECH Medium to long-term projects with technological innovation processes. SCOPE Concrete and specific problem. Definition of Reach by 30%.

DIGITAL ACCELERATION

FINANCIAL MARKET
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SLIDE 32

VENTURE CAPITAL

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SLIDE 33

Through Corporate Responsibility we're on a journey to make every decision, every day, count - towards a sustainable future.

CORPORATE RESPONSABILITY

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