COMPANY PRESENTATION Octubre 2016 Banco Industrial focuses his - - PowerPoint PPT Presentation

COMPANY PRESENTATION

Octubre 2016

Banco Industrial focuses his business throught three main business units

Market leader in pension payment services. Serving over 302.200 pensioners, with a monthly flow over AR$1,900 mm. Personal Loans up to AR$1,798 mm (approximately 205.672 transactions). Retail short-term deposits amounts AR$1,513 mm.

Consumer Banking

Focused on helping achieving working capital needs. Leading position in Factoring - with a market share of 2,5%. Has 2.300 direct customers and over 50.000 indirect SMEs customers. Loans & funding to SMEs amounts AR$4,047 mm and AR$2,353 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 AR$3160 mm.

Corporate Banking

Rates Equities Foreing Exchange Funds Investments

Sales & Trading

Debt Capital Markets Syndicated and Leveraged Finance Equity Capital Markets Mergers and Acquisitions Valuations Corporate Finance Advisory

Investment Banking

Current accounts, savings Credit Cards Insurance Loans

Consumer Banking

Liquidity & Investments Payables Receivables Factoring Trade Service Trade Finance

Corporate Banking

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 12 19 32 65

Regional presence

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 or 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.

OUR

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

Liquid Assets / Total Deposits

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% 29,0%

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% 86,9%

Net Loans (1) / Deposits

Source BCRA Source BCRA (1) Incluiding Leasing and excluiding loans to the non-financial public sector.

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

Equity / Total Assets

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% 12,7%

Source BCRA 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%

Capitalization (RPC – Computable Equity - / Risk – Weighted Assets -)

Given the nature of our products and funding base,

• ur margins remain at very good levels...

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% 21,2% 25,8% 11,1% 20,4% 24,0%

Source BCRA and Financial Statements (Financial Income / Average Assets)

Assets Yield

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% 13,9% 17,1% 6,6% 9,3%

Cost of Liabilities

Source BCRA and Financial Statements (Financial Expenditure / Average Liabilities)

Financial Margin

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% 8,7% 10,6% 12,7% 12,1% 12,0%

Given the nature of our products and funding base,

• ur margins remain at very good levels...

Source BCRA / Financial Statements

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% 7,3% 8,7% 11,8% 11,3%

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

Export # 17 Import # 14

QUANTITIES Rankings

Goods & Services # 19 Export # 17 Import # 15 VOLUME Amount = USD 1bn, aprx.

VOLUME Rankings

Bind Nominations = 4500 Export 1000 Import 3500

CUSTOMS CLEARENCE

(*) BCRA MULC´s statistics (1stH 2016)

Export 1150 Import 3050

TICKETS Quantity = 4200

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