Presentation BIND Nov 17 - bind.com.ar / RRII / ATENCIÓN AL CLIENTE María Laura Visuara...
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COMPANY PRESENTATION November 2017
Transcript of Presentation BIND Nov 17 - bind.com.ar / RRII / ATENCIÓN AL CLIENTE María Laura Visuara...
C O M P A N Y P R E S E N T A T I O N
N o v e m b e r 2 0 1 7
L A R G E C O M PA N I E S D O N ' T B E A T S M A L L C O M PA N I E S .
S M A L L C O M PA N I E S D O N ' T B E A TL A R G E C O M PA N I E S .
F A S T C O M PA N I E S B E A T T H E S L O W .
L e a r n
L e a r nT H E O N LY S U S T A I N A B L E C O M P E T I T I V E A D V A N T A G E O V E R T I M EI S T H E S P E E DA T W H I C H C O M PA N I E S L E A R N
BIND GROUP
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
132,4Total Total
Millions USD Millions USD
Total Assets: 1.8 Billion USD
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%
Bind Banco Industrial focuses his businessthrought 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
Top 20 bank in Trade Service, between 60financial 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
Ranked in the top 20 in foreign currency and government bonds trades.
BRANCH NETWORK
Buenos Aires64%
Santa Fé3%Salta
3%Mendoza3%
Córdoba10%
Tucumán7%
Capital Federal10%
Branches
Service Centers
Total
ATM´s
15
19
34
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.
BANK RANKING
O U R
The Bank has a conservative policy in terms ofliquidity, 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-17sep-17
The Bank has a conservative policy in terms ofliquidity, 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-17sep-17
Given the nature of our products and funding base,our 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-17sep-17
Given the nature of our products and funding base,our 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 di�erence 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-17sep-17
MANAGEMENTAndrés MetaRED PREVISIONALAriel Salituri
BANCA EMPRESAAlejandro Coscia
NEGOCIOS INTERNACIONALES Gerardo Guastavino
FINANZAS Y MERCADO DE CAP.Gastón Eckelhart
Facundo VázquezOPERACIONES BANCARIASCarlos NataleOP. FINANCIERAS Y TESORERÍAFabián TuacchiSISTEMA E INNOVACIÓNAlejandra RodríguezTECNOLOGÍA E INFRAESTRUCTURAInti BenitesPRODUCTOSRosario Flores VidalMARKETING
Leonardo DillenbergerGDHAndrea GallianoRSE / RRII / ATENCIÓN AL CLIENTEMaría Laura Visuara
Infraestruc. Seguridady Aprov. Estrat.Bernardo Landa
Andrés PridaLEGALESPaula González SilvestrinADMINISTRACIÓNMaría Cristina GalanoRIESGOS INTEGRALES Y CRÉDITOSPablo DeutesfeldAUDITORÍA INTERNAEugenia BlancoPREV. LAV. DINERORodolfo Irrazabal
P R E S I D E N T
V I C EP R E S I D E N T
C E O
BOARD
Fondo IAMAbierto PyMes
Fondo IAMRenta Plus
Fondo IAMAhorro Pesos
Fondo IAMRenta Variable
Fondo IAMRenta Crecimiento
Fondo IAMRenta Capital
USD 303 MM AUM.
Local and international execution.
Top 5 at local fixed-Income fund market.
OUR 8 MUTUAL FUNDS
Fondo IAMRenta Dólar
* Assets under Management
Fondo IAM Estrategia
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)
Ranked in the top 20 in foreign currency and government bonds trades.
Javier PadovaPresident
(+54 11) 3042 0278
@
Javier PopowskyDirector
(+54 11) 5220 5755
@
Gaston EckelhartDirector
(+54 11) 3003 3587@
Ignacio BoccardoDirector
(+54 11) 3426 5677
@
IAM MANAGEMENT
Daniela CastaldoHead Portfolio Manager
(+54 11) 6707 5616
@
Martin Salvo Portfolio Manager
(+54 11) 3801 2107
@
Diego CetaniCommercial Manager
(+54 11) 4415 6578
@
4o positionin ByMA Fixed IncomeRanking (Senebi),SEP 17.
6o positionin Rofex Ranking,SEP 17.6o
4o
CAPITAL MARKETS CREDENTIALS
ON ROGIRO ACEROSSERIE XII
VN $80.000.000
COLOCADORJunio 2016
FIDEICOMISO FINANCIERO CGM XXX
VN $112.938.590
BRIDGE + UNDERWRITERCOLOCADORMarzo 2017
OBLIGACIÓNNEGOCIABLE
SERIE VII Y VIII
VN $282.237.500
CO-COLOCADOREnero 2017
FIDEICOMISO FINANCIEROCARFACIL II
VN $59.464.510
BRIDGE + UNDERWRITERCOLOCADOREnero 2017
BRIDGE + UNDERWRITERCOLOCADORFebrero 2017
FIDEICOMISO FINANCIEROCARFACIL II
VN $59.464.510
BRIDGE + UNDERWRITERCOLOCADORFebrero 2017
FIDEICOMISO FINANCIEROTARJETA 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-COLOCADORAbril 2017
OBLIGACIÓN NEGOCIABLE SERIE IX Y X
VN $500.000.000
CO-COLOCADORAbril 2017
BRIDGE + UNDERWRITERCO-COLOCADOR
Marzo 2017
FIDEICOMISO FINANCIEROCREDICUOTAS III
VN $94.093.704
CO-COLOCADORMayo 2017
PRÉSTAMOSINDICADO
U$S 16.000.000
CO-PRESTAMISTAJulio 2017
OBLIGACIONESNEGOCIABLES CLASE I Y II
VN U$S 43.289.318
CO-COLOCADORMayo 2017
FIDEICOMISO FINANCIEROTARJETA GRUPAR 15
VN $8.936.559
BRIDGEMayo / Agosto 2017
FIDEICOMISO FINANCIEROSENSEI III
VN $51.063.103
CO-COLOCADORMayo 2017
FIDEICOMISO FINANCIEROELEBAR XXI
VN $77.748.864
CO-COLOCADORMayo 2017
FIDEICOMISO FINANCIEROCGM XXXI
VN $105.911.671
BRIDGE - UNDERCO-COLOCADORSeptiembre 2017
SUB-COLOCADORJunio 2017
FIDEICOMISO FINANCIERO FIDEBICA 47
VN $171.636.431
OBLIGACIÓN NEGOCIABLE SERIE XI Y XII
VN $346.995.624
CO-COLOCADORJulio2017
OBLIGACIÓN NEGOCIABLE SERIE I
VN U$S 4.000.000
CO-COLOCADORJulio2017
VALOR DE CORTO PLAZO SERIE II
VN $100.000.000
CO-COLOCADORJulio2017
PRÉSTAMO SINDICADO
U$S 33.000.000
CO-PRESTAMISTAJulio2017
PRÉSTAMOSINDICADO
$20.000.000
CO-PRESTAMISTAAgosto 2017
OBLIGACIÓN NEGOCIABLESERIE III Y IV
VN U$S 140.000.000
CO-COLOCADORSeptiembre 2017
OBLIGACIÓN NEGOCIABLESERIE I Y II
VN $139.683.000
CO-COLOCADORSeptiembre 2017
FIDEICOMISO FINANCIEROELEBAR XXII
VN $86.629.239
CO-COLOCADORSeptiembre 2017
FIDEICOMISO FINANCIERO FIDEBICA 48
VN $142.877.595
SUB-COLOCADORSeptiembre 2017
FIDEICOMISO FINANCIERO UNICRED FACTORING IX
VN $158.600.000
BRIDGE + UNDERWRITERCO-COLOCADORSeptiembre 2017
In July 2015 we launched b.trader, an application that makes investor experience easy and simple.
Real time quotations, company track records, ongoing updates on all available markets.
btrader.com.ar
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)
IVSA MANAGEMENT
Javier PopowskyDirector
(+54 11) 5220 5755
@
Karina YankillevichDirector
(+54 11) 5238 0200
@
Gaston EckelhartBind Financial Manager
(+54 11) 3003 3587
@
Juan DepetrisIVSA Manager
(+54 11) 6059 3721
@
Guillermo MarescoSales & Trading
(+54 11) 5238 0200 int. 27430
@
Miguel ZitarosaSales & Trading
(+54 11) 5238 0200 int. 27413
@
Rodrigo BalseiroSales & Trading
(+54 11) 5238 0200 int. 27542
@
Sofía CabreraHead of Capital Markets
(+54 11) 4329 2388
@
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.
Sebastian HabifCEO
Marcela MonsalvoAsistente Ejecutiva
Eugenia EtchartAsistente Comercial
Corporate
Agustina VelasAtención al Cliente
Agustina GraciottiEquipo Comercial
Corporate
Matías SanguinettiTeam Leader
Cecilia KaceroOperations Team Leader
Francisco RomanoLogística
Martín EnterriosEquipo Comercial
Corporate
Daniel VillarLíneas Personales
Amorina FusaroTeam Leader
Cuentas Corrientes
Valentín BoariEquipo Comercial
Corporate
Alejandro LuciardoAutomóviles
Santiago Montes de OcaRiesgos de Trabajo y Vida
Román OlguinSeguros Masivos
Analía LavazzaOperaciones
Julieta PonceSiniestros Automóviles
Juan Pablo TornatoResponsable de Siniestros
Juan Carlos LagoCuentas Corrientes
Victoria BarrionuevoCuentas Corrientes
INDUSTRIALSEGUROS
MANAGEMENT
OUR FIGURES
Credicuotas (1)
81%8%25%10%
Average Market (2)
23%4%42%20%
Indicator
ROEROAAdministration Fees / IncomeAdministration Fees / Asset
Source (1) Credicuotas 2016/17 (2) CNV
> USD 38 MM
Total Loans
+ 50 K
Active Customers
8%
Non ProfitLoans
5%
Provisions for losses
> USD 4 MM
Monthly Sale
CAPITAL MARKETS CREDENTIALS
Fideicomiso FinancieroCredicuotas Consumo II
VN$81.054.789
Septiembre 2016
Fideicomiso FinancieroCredicuotas Consumo I
VN$80.851.513
Abril 2016
Fideicomiso FinancieroCredishopp VI
VN$36.809.611
Febrero 2015 Noviembre 2014
Fideicomiso FinancieroCredishopp V
VN$38.541.237
Mayo 2017
Fideicomiso FinancieroCredicuotas Consumo III
VN$94.093.704
Septiembre 2013
Fideicomiso FinancieroCredishopp IV
VN$13.577.670
Fideicomiso FinancieroCredishopp III
VN$9.591.401
Noviembre 2012
Fideicomiso FinancieroCredishopp II
VN$9.463.173
Julio 2011
Fideicomiso FinancieroCredishopp I
VN$8.553.177
Diciembre 2010
CREDICUOTAS MANAGEMENT
Ezequiel WeisstaubCEO
(+54 11) 5214 7692
@
Diego ManoblaCRO
(+54 11) 5214 7692
@
Ramón MenalledCFO
(+54 11) 3878 1480
@
Facundo VazquezCTO
(+54 11) 5238 0211
@
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 VázquezCEO - CO Founder
Augusto Fernández VillaCOO - Co Founder
Mario Andrés LópezCBO - Co Founder
OWN FINTECH LAB
Exponential growth and simple products that allow scalability at a regional level - LATAM.
100% AUTOMATEDMinimum administrative structure, with fullyautomated operational processes.
COMPANY BUILDER
FINTECHMedium to long-term projects with technological innovation processes.
SCOPE Concrete and specific problem.
Definition of Reach by 30%.
DIGITAL ACCELERATION
FINANCIAL MARKET
VENTURE CAPITAL
Through Corporate Responsibility we're on a journey to makeevery decision, every day, count - towards a sustainable future.
CORPORATE RESPONSABILITY
