June 2020 US$ mm Permanent Innovation to become the bank of choice - - PowerPoint PPT Presentation
Institutional Presentation June 2020 US$ mm Permanent Innovation to become the bank of choice of the successful people, who are the leading players in the development of our country To keep ourselves committed to the success of our clients
US$ mm
Permanent Innovation to become the bank of choice of the successful people, who are the leading players in the development of our country To keep ourselves committed to the success of
✓ Integrity ✓ Professionalism ✓ Positive Attitude
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*Provisional data ** Referential exchange rate according to BCP Source: BCP
G
4
Dec-19 Jun-20
% GDP
0,2
% Accumulated Inflation
2,8
% Annual Inflation
2,8 0,5
USD Exchage rate**
Gs 6.509,8 Gs 6.807,1 Banking Sector Regional Jun-20 Jun-20
% Loan growth vs Dec19
1,1
% Deposits growth vs Dec19
10,8 4,8
% NPL
3,2 2,9
% Annualized ROE
15,3 1,1
Source: MF Economía with BCP and USDA data
Key Figures Country key facts
Asunción
Contribution to GDP by Sector (2014-2019*)
Fuente: MF Economía con datos de BCP y USDA
6% 2% 9% 8% 19% 10% 8% 37% Construction Livestock Government Binationals Industry Commerce Agriculture Others
* Provisional
Surface 406.752 km2 Population (2019) 7,1 millions GDP 2019* US$ 38,6 billion US$ 5.404 per capita Worldwide Relevance as Exporter 1st exporter of organic sugar 2nd exporter of stevia 4th exporter of soybean 5th exporter of soybean oil 5th exporter of energy 7th exporter of corn 11th exporter of beef
High economy growth: ~4,1% annual during 2015-2019 Low inflation rate with a stable monetary policy Agribusiness has historically been main economic driver, with services, industrial and tertiary sectors starting to develop more intensively Lowest tax rates in South America, providing incentives to investments Tax
Corporation and Personal income: 10% VAT in 5 - 10% range 5
*Provisional data **Projections Source: MF Economía with BCP data
Fuente: MF Economía con datos de BCP y USDA
Exchange rate (Gs/US$ in average) Annual Inflation GDP Growth % * GDP per capita (US$)
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4,9% 4,0% 3,7% 4,2% 3,1% 3,9% 4,5% 3,2% 2,8%
2011 2012 2013 2014 2015 2016 2017 2018 2019
4.196 4.422 4.304 4.462 5.205 5.670 5.591 5.693 6.241
2011 2012 2013 2014 2015 2016 2017 2018 2019 5.309 5.171 5.872 6.006 5.371 5.302 5.667 5.792 5.451 5.013 2011 2012 2013 2014 2015 2016 2017 2018 2019* 2020**
4,2%
8,4% 4,9% 3,1% 4,3% 5,0% 3,4% 0,0%
2011 2012 2013 2014 2015 2016 2017 2018 2019* 2020**
* 2015-2019 in average * Provisional 2019 Source: MF Economía with BCP and FMI data
Fuente: MF Economía con datos de BCP y USDA
Fiscal Balance / GDP Net Public Debt / GDP Fiscal Balance / GDP* in the Region Net Public Debt / GDP* in the Region
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60,4 36,1 29,0 28,0 5,9 0,6
22,3
ARG URU BRA BOL COL PAR PER
0,2% 3,0%
2011 2012 2013 2014 2015 2016 2017 2018 2019
0,1% 1,0% 0,7%
2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
0,0
PAR PER CHI URU COL ARG BOL BRA
Source: MF Economía with USDA data
Fuente: MF Economía con datos de BCP y USDA
WHEAT SOYBEAN RICE CORN
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60 73 57 58 64 79 95 80 99 113 100 95 261 265 241 269 283 321 350 317 342 361 337 363 0,0 50,0 100,0 150,0 200,0 250,0 300,0 350,0 400,0 20 40 60 80 100 120 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Final Stock (Millions of Ton.) Production (Millions of Ton.) 132 115 123 145 215 279 352 312 341 320 312 315 834 849 910 899 1.027 1.058 1.128 1.015 1.080 1.123 1.114 1.163 200 400 600 800 1.000 1.200 1.400 50 100 150 200 250 300 350 400 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Stock Final (Mn. Ton.) Producción (Mn. Ton.) 204 199 199 180 198 223 263 245 283 280 297 315 688 651 699 660 717 730 756 738 763 731 765 769 580 600 620 640 660 680 700 720 740 760 780 50 100 150 200 250 300 350 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Stock Final (Mn. Ton.) Producción (Mn. Ton.) 97 102 112 123 128 135 150 142 163 177 182 186 441 452 470 476 481 482 491 477 495 497 495 503 410 420 430 440 450 460 470 480 490 500 510 20 40 60 80 100 120 140 160 180 200 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Stock Final (Mn. Ton.) Producción (Mn. Ton.)
SOYBEAN OIL
World 59,0 World 11,8 1 China 17,0 28,8% 1 Argentina 6,0 50,3% 2 USA 11,4 19,2% 2 USA 1,1 9,1% 3 Argentina 8,6 14,6% 3 Brazil 1,1 8,8% 9 Paraguay 0,7 1,2% 5 Paraguay 0,7 5,6%
SOYBEAN MEAL
World 248,3 World 67,5 1 China 75,2 30,3% 1 Argentina 29,7 43,9% 2 USA 46,2 18,6% 2 Brazil 16,3 24,2% 3 Brazil 34,9 14,1% 3 USA 12,0 17,8% 9 Paraguay 2,9 1,2% 4 Paraguay 2,5 3,6%
Production (Million ton.) Exports (Million ton.)
SOYBEANS
World 362,5 World 161,6 1 Brazil 131,0 36,1% 1 Brazil 83,0 51,4% 2 USA 112,5 31,0% 2 USA 55,8 34,5% 3 Argentina 53,5 14,8% 3 Argentina 6,5 4,0% 6 Paraguay 10,3 3,0% 4 Paraguay 6,3 3,9%
Source: MF Economía with BCP and USDA data
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WHEAT
World 769,3 World 181,1 1 EU 139,5 18,1% 1 Russia 36,0 19,2% 2 China 136,0 17,7% 2 EU 27,0 14,4% 10 Argentina 21,0 2,7% 7 Argentina 14,5 7,7% 32 Paraguay 1,3 0,2% 17 Paraguay 0,6 0,3%
RICE
World 502,6 World 45,6 1 China 149,0 29,6% 1 India 11,0 24,5% 2 India 118,0 23,5% 2 Thailand 9,0 20,1% 11 Brazil 7,2 1,4% 9 Uruguay 0,8 1,8% 37 Paraguay 0,7 0,1% 10 Paraguay 0,6 1,3%
Source: MF Economía with BCP and USDA data
Production (Million tons) Exports (Million tons)
CORN
World 1.163,2 World 182,5 1 USA 381,1 32,8% 1 USA 54,6 29,9% 2 China 260,0 22,4% 2 Brazil 38,0 20,8% 3 Brazil 107,0 9,2% 3 Argentina 34,0 18,6% 22 Paraguay 4,6 0,4% 8 Paraguay 2,5 1,4%
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*Ton carcass weight Source: MF Economía with BCP and USDA data
Global Beef Market (Projections 2020) Main Producers Main Exporters Country Tons Share Country Tons Share World 60.788 100,00% World 10.657 100,00%
1 USA 12.281 20% 1 Brazil 2.550 24% 2 Brazil 10.000 17% 2 Australia 1.400 13% 3 EU 7.850 13% 3 India 1.400 13% 4 China 6.780 11% 4 USA 1.322 12% 5 India 4.150 7% 5 Argentina 760 7% 6 Argentina 3.100 5% 6 New Zealand 610 6% 7 Australia 2.085 4% 7 Canada 500 5% 8 Mexico 2.065 3% 8 Uruguay 430 4% 9 Pakistan 1.840 3% 9 Mexico 355 3% 10 Russia 1.377 2% 10 EU 350 3% … … … 11 Paraguay 330 3% 16 Paraguay 535 1% 12 Belarus 185 2%
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1991
Navigating the financial crisis
One
the few local banks to successfully steer through Paraguay’s banking crisis
Strategic Turn-Around
Implementation of new strategic plan to expand Personalized customer attention Institutional image renewed
Strategic alliance with Rabobank
Rabobank becomes largest shareholder with 40% stake Local stock issuance in BVPASA Acquisition of 100% of ABN AMRO Paraguay
Bank expansion
First international bond issuance for US$300mm Institutional image renewed
Creation of Economic Group
Incorporation of “Regional SA de Seguros” (Insurance Company), “Fundación Regional” and opening of the Brokerage House “Reginal Casa de Bolsa”
Bank Foundation First bank in Paraguay headquartered
the country’s capital
2000 - 2005 1998 2008 - 2012 2013 - 2018 2019
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Production of Direct Premiums
Motor insurance 29,73% Life insurance 30,27% Technical risks insurance 11,94% Fire insurance 9,14% Risk insurance 8,51% Others 8,31% Surety insurance 2,10%
Accumulated transactions to Jun-20
Direct Premiums(1)
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(1) 2019-2020. Accumulated to May 2020 (2) According to the latest report of Solventa to Oct-19 (3) 100% Fixed Income Total Insurers in the System = 36 Total Brokerage Houses in the System = 10
Insurance company acquired by Banco Regional on February, 2019 It has 25 years operating in the market.
Marketshare(1)
Score(2)
py A-
(Stable)
Brokerage house approved by the Extraordinary Assembly on July 31, 2018. Started to operated on January, 2019.
Stock Market
Subordinated bonds Corporate bonds Financial bonds
OTC
Term Deposits Securities Offered(3):
Marketshare
15
NGO approved by the Extraordinary Assembly
➢ Financial Education: to reduce the risk of negative financial qualification of individuals and promote the financial sustainability of companies and individuals. ➢ Agricultural and livestock research: to improve productivity and sustainability of food production. ➢ Environmental Education: to improve citizen and productive practices, which allows us to influence the protection of the environment.
"Contribute to the development of the community, beyond the strict interests that the business demands, expressing in the best way, the social, economic and environmental contribution in the communities in which it
Purpose: Strategic Objectives
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Sustainable Finance Roundtable of Paraguay
The MFS is a platform of voluntary collaboration among banks that promotes economic and sustainable development, to face the risks and take advantage of the opportunities of sustainable challenges in Paraguay. Banks of the MFS have been working to implement three Sector Guides, Animal Husbandry, Agriculture and Industrial, to manage the Social and Environmental risks . Banco Regional is one of the first drivers of this platform
UN Global Compact
The United Nations Global Compact is a network that unites more than 9,800 companies and 3,300 organizations worldwide. This initiative encourages businesses and organizations to adopt and promote sustainable and socially responsible practices. Banco Regional was accepted on August 2019, as a participant of the United Nations Global Compact Initiative in Paraguay
Rating Agency Score Trend Updated to AA+py Sensible Apr-20 FC: Ba2/Not Prime Negative Apr-20 LC:Ba2/Not prime BB Stable Jan-20
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Main topics that are addressed by the new Policy and Procedures
High Risk Third Parties Donations Hiring of employees Investments, acquisitions and joint ventures Gifts and Hospitality Sponsorship Reporting Training Record Keeping
Local regulations Recommendations from the Wolfsberg Group Recommendations from the UK Bribery Act Recommendations from the United States “Foreign Corrupt Practices Act”
Came into force in June 2019
They are in line with:
Banco Regional has been awarded the first place in “Best practices
in the category of corporate enterprises. This contest was launched by the National Secretary of Anticorruption (SENAC) with the support of the United Nations Office on Drugs and crime (UNODC). The proposal of Banco Regional was focused on the development and implementation of the new Policy and Procedures of Anticorruption.
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$2.694,85 $256,51 597 $1.853,29 15,38% 56,18% 1.793 0,11% 196,38% $1,34 1,14% 48,03%
Assets Loans
(A)
TIER II (C) Equity Deposits +
Net Profit
# Employees
ROE
Annualized
ROA NPL Coverage (E) Efficiency (D)
Real Collaterals /Total loans
Amounts in US$ mm (A) Includes Financial Sector - Does not included accrued interests (B) Deposits US$ Mn (C) Effective Equity / Risk-weighted assets and contingencies (D) Operating Expenses/ Operating Margin (E) Total NPL Coverage indicates (specific + Generic Provisions) / NPL 1.704,6
6,81% 11,53% 12,76% 14,28%
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Total number of banks financial sector = 17 Agricultural Sector = Agricultural crops+ Agribusiness; Industries= Manufacturing industries; Consumer Goods= Housing + Consumption+ Personal Services; Other Sectors= Financial intermediation + Sale, maintanance and repair of vehicles + Other economic sectors
From its origin, Banco Regional has been an ally to the economic sectors that boost the growth of our country. Market Share Loans to Market Share Loans to Market Share Loans to Market Share Loans to Market Share Loans to Market Share Market Share Market Share Loans to Market Share Loans to Market Share Loans to
Banking System Ranking (Nº) & Market Share (%) -
22,46% 16,88% 6,07% 5,42%
AGRICULTURAL SECTOR
ANIMAL HUSBANDRY
RETAIL AND WHOLESALE INDUSTRIES BUILDING OTHER SECTORS SERVICES CONSUMER GOODS
LOANS DEPOSITS
Nº2 Nº3 Nº3 Nº6 Nº6 Nº6
Nº2
Nº3
15,21%
10,56%
Ranking Position
89
6,97%
6
Ranking Position
35
Branches
7,26%
6
Total number of banks = 17 (A): Main customers with at least one valid product
21 Market Share
Branches ATM Social Media TAUSER
Market Share Market Share
Active Customers (A)
ATM
TA TAS
Customers
3% 81% 14% 2%
Large Corporate Retail SME Private Financial Instit Public Instit
101.643 10.049 7.689 followers followers followers
Ranking Position
19,77%
US$ mm (1) Includes financial sector. Does not include accrued interests (2) Does not include accrued interests
Jun-20 6.807,13 ₲ Jun-19 6.190,45 ₲ Exchange Rate
Assets Deposits(2) Loans(1) Equity
22
$2.607 $2.617 $2.926 $2.686 $2.695
13,75% 12,55% 13,69% 12,50% 12,06% Dec-16 Dec-17 Dec-18 Dec-19 Jun-20
Assets (US$mm) %Market share - Assets $1.871 $1.992 $2.140 $2.148 $1.853
15,46% 15,28% 15,21% 14,83% 13,38% Dec-16 Dec-17 Dec-18 Dec-19 Jun-20
Loans (US$mm) %Market share - Loans $1.737 $1.659 $1.806 $1.716 $1.705
12,82% 11,08% 12,11% 11,15% 10,56% Dec-16 Dec-17 Dec-18 Dec-19 Jun-20
Deposits %Market share - Deposits $252 $281 $275 $269 $257
11,99% 11,80% 11,07% 10,39% 9,83% Dec-16 Dec-17 Dec-18 Dec-19 Jun-20
Equity %Market share - Equity
Jun-20 6.807,13 ₲ Jun-19 6.190,45 ₲ Exchange Rate
Portfolio by Currency Portfolio Distribution by Sector(*)
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Loans by Segment
Total number of banks financial sector = 17 Agricultural Sector = Agricultural crops+ Agribusiness; Industries= Manufacturing industries; Consumer Goods= Housing + Consumption+ Personal Services; Other Sectors= Financial intermediation + Sale, maintanance and repair of vehicles + Other economic sectors
38,23% 22,41% 7,45% 13,24% 1,95% 8,61% 5,83%2,28%
Agricultural sector Retail and Wholesale Industry Animal husbandry Services Consumer Banking Other economic sectors Building
Jun-20
82,68% 10,95% 5,16% 1,05% 0,08% 0,08%
Jun-20
Large Corporate SMEs Retail Private Financial Inst. Public Inst. Loans LC 36,83% Loans FC 63,17%
Jun-20 6.807,13 ₲ Jun-19 6.190,45 ₲ Exchange Rate
Sight Deposits vs. Time Deposits
Deposits by currency
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Deposits by Segment
Sight Deposits 50,65% Time Deposits 49,35% Deposits LC 41,03% Deposits FC 58,97%
24,22% 14,37% 13,44% 31,29% 2,63% 14,05%
Jun-20
Large Corporate SMEs Retail Private Financial Inst. Public Inst.
Loans LC Deposits LC Loans FC Deposits FC
25
74% 12% 12% 2% 72% 12% 14% 2%
Dec-19 Jun-20
16% 15% 19% 21% 27% 17% 16% 2% 20% 20% 25%
Dec-19 Jun-20
87% 12% 89% 10% 0,1% 0,3%
Dec-19 Jun-20
27% 12% 4% 9% 39% 9% 30% 13% 3% 9% 39% 6%
Dec-19 Jun-20
Large Corporate SMEs Financial Inst. Retail Private Public Inst.
* US$ mm
Jun-20 6.807,13 ₲ Jun-19 6.190,45 ₲ Exchange Rate
Evolution TIER l Evolution TIER ll
26 257,22 287,30 286,52 220,52 239,78 13,82% 14,63% 13,64% 12,70% 14,02%
Dec-16 Dec-17 Dec-18 Dec-19 Jun-20
Minimum Required 8% (---)
Equity* TIER I
257,22 287,30 286,52 220,52 239,78 17,32% 17,70% 15,99% 12,11% 15,38%
Dec-16 Dec-17 Dec-18 Dec-19 Jun-20
Minimum Required 12% (---)
Equity* TIER II
* US$ mm
Jun-20 6.807,13 ₲ Jun-19 6.190,45 ₲ Exchange Rate
General Loan Loss Reserves as % of NPL Real Collaterals as % of total loans 27
NPL
117,16% 120,73% 146,01% 339,81% 196,38% 120,38% 127,41% 126,71% 138,24% 119,76%
Dec-16 Dec-17 Dec-18 Dec-19 Jun-20
53,53% 48,79% 47,01% 45,50% 48,03%
Dec-16 Dec-17 Dec-18 Dec-19 Jun-20
2,18% 2,17% 1,47% 1,52% 2,92% 2,80% 2,67% 2,38% 2,45% 3,18%
Dec-16 Dec-17 Dec-18 Dec-19 Jun-20
% NPL Banco Regional % NPL (banking sector)
Efficiency ratio
50,06% 50,57% 49,46% 46,42% 46,82% 48,75% 46,31% 51,53% 55,81% 49,18% 49,01% 56,18%
Dec-16 Dec-17 Dec-18 Nov-19 Dec-19 Jun-20 Banking Sector BR
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jun.-20 345.461
100.000 150.000 200.000 250.000 300.000 350.000 400.000
Required LCR LCR
jun.-20 1.633.986
1.000.000 1.500.000 2.000.000 2.500.000
Required LCR LCR
*FDA: Financial Development Agency (AFD)
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Evolution of Liquidity - Guaraníes Evolution of Liquidity - Dollars Stucture of funding
Usd k.
LCR= Liquidity Coverage Ratio
69,73% 69,91%
0,70% 3,63% 17,13% 16,44% 4,51% 4,07% 6,08% 5,94%
Jun-19 Jun-20
Local Loans (FDA*) Other Liabilities Foreign Loans Subordinated and Financial Bonds Deposits
LCR.USD ……… millions Jun Jun-20 20 58 585, 5,5 5
Correspondent Banks Multilateral Organizations
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Purpose
Credit Lines Foreign loans
16% 0% 3% 26% 55% Loans to agriculture and agribusiness Loans to SME's, women and energy Loans to agriculture, SME's and portfolio growth Portfolio Growth Loans to SME's and women 75% 4% 14% 7%
Trade Finance Trade Finance con Europa Trade Finance y Working Capital Working Capital
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61,60% 38,40%
61,37% 38,63%
Rabobank’s ownership of Banco Regional has the following contributions:
Our strategic alliance with Rabobank implies:
1. Long-term partnership. 2. Two Board Members appointed by Rabobank. 3. Risk Manager appointed by Rabobank. 4. To appoint certain of our senior officers and to veto the appointment and/or removal of our Chief Executive Officer and Chief Comptroller. 4. Rabo International Advisory Services (RIAS) provides technical assistance. 5. On the job training and study tours to several entities of the Rabobank Group.
Ca Capit ital l St Stock Quantit ity of Votes Ra Rabobank Ra Rabobank Local Local sha shareholde lders Local Local sha shareholde lders 32
Corporate Treasurer Nelson Daniel Cibils CEO Laura Borsato CFO Oscar Godoy 22 11 19 24 25 Correspondent Banking & Foreign Trade Manager Rafaela Oleinik General Counsel Marcos Dalla Fontana Head of Internal Audit (Chief Comptroller) Juan Carlos Meza Compliance Manager Antonio Gimenez 20 25 21 21 29 21 27 21 MIS and Risk Models Manager Mats Hernegard Operational Risk and Data Quality Manager Erika Werner Risk Manager Daniel Van Det Large Corporate Risk Manager Ricardo Nowosad 24 23 20 24 21 20 27 Organizational Development Manager Bettina Agüero Branches and Business Development Manager Cynthia Sotelo Corporate Banking Manager Walter Duarte Private Banking Manager Anahi Heisecke 24 3 28 16 21 24 26 28 Operational Manager Diana Lafeld 19 19 IT Manager Georgina Baumgarten 27 29
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Recovery and Restructuring Manager Jorge Sienkawiec 27 27 Retail, SME and Medium Corporate Risk Manager Richard Delvalle 12 15 Administrative Manager Fabio Sitzmann 28 28
Years with Banco Regional Years in the financial sector
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Asamblea de Accionistas EXAMINERS
SECRETARY Leticia Perez CEO Laura Borsato Management Committee EXECUTIVE CHAIRMAN Raul Vera Bogado Branches & Business Develop ment Manager Cynthia Sotelo Chief Financial Oficer Oscar Godoy
Recovery and Restructuring Manager Jorge Sienkawiec
Legal Service Manager Marcos Dalla Fontana Organizational Development Manager Bettina Agüero Compliance Manager Antonio Gimenez Internal Audit Manager Juan C. Meza
Operational Risk Manager Erica Werner Administrative Manager Fabio Sitzmann Private Banking Manager Anahí Heisecke
Corporate Banking Manager Walter Duarte IT Manager Georgina Baumgarten Operational Manager Diana Lafeld
FT & Correspondent Manager Rafaela Oleinik
BOARD OF DIRECTORS
Treasury Manager Daniel Cibils
Risk Models and MIS Manager Mats Hernegard Large Corporate Risk Manager Ricardo Nowosad
Audit Committee ALCO Committee ALA/CFT Committee HR Committee Risk Committee IIT Committee Credits Committee Strategic Planning Committee
SHAREHOLDERS ASSEMBLY
Risk Manager Daniel Van Det Commercial Actions Committee
Medium Corp., Retail & SME Risk Manager Richard Delvalle
Audit Committee 4 Members (4 directors) Human Resources Committee 6 Members (3 directors) Compliance Committee 5 Members (3 directors) Assets and Liabilities Committee 15 Members (3 directors) IT Committee 13 Members (3 directors) Credit Committee Level II 10 Members (2 directors)
Banco Regional Committees
Risks Committee 8 Members (3 directors)
Credit Committee Level III 11 Members (3 directors) Strategic Management Committee 13 Members (3 directors)
Raúl Vera Bogado 34 Cornelis J. Beijer 31 Alfredo Raatz 22 Erik Heyl 39 Francisco Yanagida 41
Years of experience Financial Sector
Lourdes Müller Tischler 2
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Irene Memmel de Matiauda 22 Roland Wolff 40 Diego Castro 15 Jaime Busanello Adrian Lorenzutti 25 Walter Duarte 24
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US$ mm
37
Acum Acum. Jun-19 Jun-20 2020 Net Interest Income 50,18 5,30 37,31 Other Incomes 17,80 2,77 16,25 Total Operating Expenses
Earnings Before Tax 26,61 2,29 20,39 Loan Loss Provisions
0,01
Income Tax
Net Profits 17,06 2,18 1,34
Jun-20 6.807,13 ₲ Jun-19 6.190,45 ₲ Exchange Rate *Other Incomes include: Charged fees, Gains from exchange operations, Extraordinary gains, Valuation Earnings (+) and adjustmen *Total Operating Expenses: Salaries, Administrative expenses, Depreciacions, Valuation Earnings (-) and Paid fees
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Jun-19 Jun-20
NPL 1,63% 2,92% General Loan Loss Reserves as % of NPL 121,23% 196,38% Real Collaterals as % of total loans 47,15% 48,03% ROE (Annualized) 14,70% 1,14% ROA 1,36% 0,11% Efficiency ratio 49,41% 56,18% Income from services as % of HR Expenses 81,20% 72,53% TIER I 13,70% 14,02% TIER II 15,02% 15,38% LCR US$ mm 365,55 585,50 Total Loans as % of total Deposits 123,17% 108,72%
Asset Quality Profitability & Efficiency Capìtal Liquidity
NPL = Non Performing Loans LCR= Liquidity Coverage Ratio
Strategic alliance with Rabobank
T.C: 4.930 4.600 4.558 4.478 4.224 4.585 4.629 5.807 5.767 5.590 5.961 6.453
* US$ mm
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6.807,13
53,86 97,59 104,11 109,84 127,38 130,34 148,51 135,17 157,45 179,13 182,50 178,40 169,12
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Jun-20
Ordinary Capital Preferred Capital
21,72% 78,28%
58,75% 15,28 19,21 16,64 31,44 33,41 32,86 29,09 36,41 40,93 34,65 20,29 21,27
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Aditional Reserve acc. Note SB. SG. 470/2017 Legal Reserves Distribution of Ordinary Dividends in cash Distribution of Preferred Dividends in cash Capitalization of Ordinary Dividends
22,13% 19,12% 58,75%
T.C: 4.930 4.600 4.558 4.478 4.224 4.585 4.629 5.807 5.767 5.590 5.961 6.453
* US$ mm
% Capitalization Ordinary dividends 70% 70% 100% 70% 91% 95% 93% 98% 70% 70% 70% 100%
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