Presentación COMEX del BID final - Banco Industrial€¦ · COMPANIES IN THE GROUP 1928 2006 2010...

C O M P A N Y P R E S E N T A T I O N

M a r c h 2 0 1 8

Leasing

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

To be recognized as a leading Financial Group

in terms of innovation and service within the

Argentine financial system.

V I S I O N V A L U E S

M I S S I O N

We are a Financial Group that delivers streamlined,simple and tailor-made solutions to exceed our clients' expectations.

Commitment. Closeness.Simplicity.Innovation and uniqueness.

To be recognized as a leading Financial Group

in terms of innovation and service within the

Argentine financial system.

COMPANIES IN THE GROUP

1928

2006 2010 2012 2013 2014 2016 2017

++ + + + + +

+

BRA

ND

EVO

LUTI

ON

OF

THE

BAN

K

1997

1996

1971

2003

Banco de Azul

Leasing

+

Alberto Meta. Bind Founder.

89 YEARS OF HISTORY

Perseverance is o�en more important than talent, even intelligence.Because not all who are intelligent succeed in this world. Persistent

people always do. Because faith, thath faith can move mountains is our daily encouragement to succeed.

“”

132,72017 - USD MM

51,8

RESULTS2017 - USD MM

A+ A1LONG TERM SHORT TERM

$95,2

$101,5

$132,7

2015 2016 2017

$ 26

$29,6

$51,8

2015 2016 2017Leasing

NET EQUITY

MANAGEMENTAndrés MetaRED PREVISIONALAriel Salituri

BANCA EMPRESAAlejandro Coscia

NEGOCIOS INTERNACIONALES Gerardo Guastavino

FINANZAS Y MERCADO DE CAP.Javier Popowsky

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

Gastón EckelhartAndrés PridaLEGALESPaula González SilvestrinRIESGOS DE CRÉDITOSPablo DeutesfeldAUDITORÍA INTERNAEugenia BlancoPREV. LAV. DINERORodolfo Irrazabal

ADMINISTRACIÓNMaría Cristina Galano

P R E S I D E N T

V I C EP R E S I D E N T

BOARD

C E O

CONTROL DE GESTIÓNPablo Prieto

BANCA ZAFIROKarina Yankilevich

RIESGOS INTEGRALES

Consumer BankingBusiness Banking Corporate Banking

COMMERCIAL STRATEGY - BIND BANCO INDUSTRIAL 3 BUSINESS UNITS

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 AR $4,874 mm y AR $2,976 mm, respectively.

Market leader in pension payment services.

Serving over 302.200 pensioners, with a monthly flow over AR $2,300 mm.

Personal Loans up to AR $2,300 mm (approximately 152.500 transactions).

Retail short-term deposits amounts AR $3,326 mm.

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 $3781 mm.

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

BIND GROUP

NET INCOME

Industrial Valores

Industrial Asset Management

Industrial Broker de Seguros

Credicuotas

Tienda Jubilo

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

2017

6,7

1,2

2,7

8,0

0,5

32,6

51,7

2016

8,4

0,9

3,7

3,1

85,3

101,4

2017

9,01,45,3

11,42,0

104,5

133,6 Total

EQUITY

Industrial Valores



Credicuotas

Tienda Jubilo


2015

5,2

0,4

2,6

2,2

84,7

95,1Total

Millions USD Millions USD

2018 e

4,0

1,5

2,5

8,3

2,0

53,0

71,3

BIND GROUP

Total

HEADCOUNT

Industrial Valores



Credicuotas


DEC 17

12

8

22

42

678

762

1,32% 2,90%

0,06%

89,56%

Industrial Valores



Credicuotas


5,54%

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

TRADE SERVICES & TRADE FINANCE

Cross border lines (Evolution)

DEC 2015DEC 2014 DEC 2016 DEC 2017 OBJ 2018

USD30M

USD35M

USD 40M

USD50M

USD75M

2017 vs 2016

+120%Incomes

Best MULC Ranking#15*

Imports Volume

Total Volume Amt.USD 3bn Aprx.

+ 15.000 TicketsProcesed!

+35%Customers

*Between 50 local financial institutions (Source BCRA)

COMPANIES OF THE

IAM Mutual Funds

A simple way of investingminimizing risks.

Fondo IAMAhorro Pesos

Fondo IAMRenta Variable

Fondo IAMRenta Capital

Fondo IAMAbierto PyMes

Fondo IAMRenta Plus

Fondo IAMRenta Crecimiento

Fondo IAMRenta Dólares

Fondo IAM Estrategia

8o

6o 6o positionin ByMA Fixed IncomeRanking (Senebi),DEC 17.

8o positionin Rofex Ranking,DEC 17.

CREDENTIALS 2017CAPITAL MARKET Fideicomiso Financiero

Credicuotas Consumo IV

AR $268.590.672

Noviembre 2017ORGANIZADOR COLOCADOR

Valores

VCP Clase IIIBanco Voii

AR $100.000.000

COLOCADORNoviembre 2017

Valores

Fideicomiso FinancieroElebar XXI

AR $77.748.864

COLOCADORMayo 2017

Valores

Fideicomiso FinancieroSensei III

AR $51.063.103

COLOCADORMayo 2017

Valores

ON Clase XIII y XIVTarshop SA

AR $250.000.000


Valores

Fideicomiso FinancieroAval Rural XXVI

USD 4.398.000

COLOCADOROctubre 2017

Valores

Fideicomiso FinancieroElebar XXII

AR $86.629.239

COLOCADORSeptiembre 2017

Valores

Fideicomiso FinancieroUnicred Factoring IX

AR $130.000.000


Valores

ON Clases I y IIElectronic System

USD 43.289.318

COLOCADORMayo 2017

Valores

Fideicomiso FinancieroCredicuotas Consumo III

AR $74.230.523

COLOCADORMayo 2017

Valores

ON Clase IX y XTarshop SA

AR $500.000.000

COLOCADORAbril 2017

Valores

Fideicomiso FinancieroCarfácil II

AR $59.464.510

COLOCADOR Febrero 2017

Valores

Fideicomiso FinancieroTarjeta Plata 5

AR $39.023.614

COLOCADOR Enero 2017

Valores

ON Clases VII y VIIITarshop SA

AR $302.437.500

COLOCADOR Enero 2017

Valores

ON CLASE 3

USD 119.729.840

COLOCADOR LOCALMarzo 2017

Valores

Fideicomiso FinancieroUnicred Factoring VIII

AR $135.000.000

COLOCADOR Marzo 2017

Valores

Fideicomiso FinancieroCGM Leasing XXX

AR $111.769.191

COLOCADORMarzo 2017

Valores

IRSA Propiedades Comerciales Clases III y IV

USD 140.000.000


Valores

ON Crédito DirectoClases I y II

AR $139.863.000


Valores

VCP Clase IIBanco Voii

AR $100.000.000

COLOCADORJulio 2017

Valores

On Clase XI y XIITarshop SA

AR $346.995.624

COLOCADORJulio 2017

Valores

On PymeAgroempresa Colon

USD 4.000.000

COLOCADORJulio 2017

Valores

Fideicomiso FinancieroCGM Leasing XXXI

AR $105.911.671


Valores

On Serie XIIRogiro Aceros

AR $80.000.000

COLOCADORJunio 2017

Valores

Fideicomiso FinancieroSensei IV

AR $83.017.709


Valores

Fideicomiso FinancieroCGM Leasing XXXII

AR $124.570.068

COLOCADORDiciembre 2017

Valores

ON BANCOR SERIES IY II

AR $865.750.000


Valores

ON NEWSAN CLASES 1Y 2

USD 38.575.423


Valores

ON PYME SEDA CLASE 1SERIE I EN PESOS Y

SERIE II EN DÓLARES

AR $100.000.000

Diciembre 2017ORGANIZADOR COLOCADOR

Valores

Letras de Municipalidadde la Ciudad de Córdoba

Serie XXVIII

AR $154.400.000


Valores

ON Serie XIIIRogiro Aceros

AR $80.000.000


Valores

We reached the 100.000 policies sold.

We administer $250.000.000 in annual insurance premiums.

We invest in #ComparaOnline to join the technological challenges.

We have nearly 30 thousand fans on our Fan Page.

We recently launched credicuotas express for web and mobile.

We issued more than 1 billion dollars in personal loans.

We issued more than 25 million dollars in personal loans

We received more than 383.000 visits on our website,

through our web.

www.credicuotas.com.ar.

Targeted at companies

Up to $2.000.000 (*)

Financing of up to 100% of the value of the good (*)

Term of 36 months + Option to purchase

UVA rate + 9,9%

Structuring fee of 2,5 % of the value of

Productive goods (vehicles, transportation,

the contract

machinery, technology equipment, etc.)

(*) subject to credit approval by Banco Industrial S.A.

First ones to o�er UVA Leasing

Features

Leasing

UVA= Purchasing Value Units

Discover the privacy of aworld created just for you

Financial solutions and expert advice to consolidate and care

.for your assets.

Change is happening

We innovate so that our clients can enjoy a new digital experience.

API BANKThe financial system of the future is open and collaborative.

BIND API BANK

Our platform designed to work collaboratively with organizations, developers, Fintech and Startups.

apibank.bind.com.ar

DIGITAL ACCELERATION

Medium / long term

Semi-defined scope

Adopts new technologies

Time to market

Learn and observe

Triggers and fosters a cultural change

Financial market

Technology and data start-up that providesdirect loans to small and medium-sized enterprises using a financial system featuring digital innovation.

F I N T E C H C O - I N N O V A T I O N

innova.bind.com.ar

#bindinnova

“An investment in knowledge pays the best interest”

- Benjamin Franklin

FINTECH STARTUPS VENTURE CAPITAL FUND

VENTURE CAPITAL

INNOVATION TO COMMUNICATE

CUSTOMER EXPERIENCE

Integrated into the building.An innovative business space.

We support more than 150 institutions.

.

CORPORATE SOCIAL RESPONSIBILITY

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%

e-17 e-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%

e-17 e-17

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

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%

e-17 e-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%

e-17e-17

¡ T H A N K YO U !

Presentación COMEX del BID final - Banco Industrial€¦ · COMPANIES IN THE GROUP 1928 2006 2010...

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Transcript of Presentación COMEX del BID final - Banco Industrial€¦ · COMPANIES IN THE GROUP 1928 2006 2010...