BBM, founded in Jun/13

Transcription

1 BBM, founded in Jun/13

2 Bank Overview Our Business Highlight s Commercial Banking Funding Corporat e Treasury Privat e Banking Jun/13

3 St ruct ural Organizat ion Mariani Group Others 47% 73% 27% BBM Holding S.A. 51% Banco BBM S.A. 2% 100% BBM Adm. de Recursos DTVM S.A. Bacor Corretora de Câmbio e Val. Mobil. S.A. BBM Bank Ltd. (Bahamas) 3

4 Organizat ional Flow chart Board of Directors Pedro H. Mariani Edgard Lacerda Eduardo Mariani Glória Mariani Lúcio Santos Internal Audit Banco BBM Executive Board Pedro H. Mariani * Cassio von Gal Renato Muanis Sergio Freitas Pedro H. Mariani Risk and Internal Controls Cassio von Gal Funding and Institutional Relations Renato Muanis Credit Sergio Freitas* * Back Office Felipe Mescolin Proprietary Treasury Fábio Dayer Private Banking Leonardo Oliveira Credit Analysis * Coordinator of the Executive Board. ** Director of Ombudsman 4

5 Corporat e Governance Annually Semiannual Quarterly Monthly Weekly General Meeting of Shareholders Board of Directors Executive Committee Operational Risk & Internal Controls Committee Product Committee HR Committee Credit Committee Risk Committee Regulatory Committee Compliance Committee 5

6 Our Business Commercial Banking Provides credit lines in local and foreign currency for companies; Focus on companies with annual revenues exceeding R$ 200 million. Private Banking Provides financial advisory and wealth management services to high net-worth clients. Treasury Capital and liquidity management; Asset pricing. 6

7 Highlight s of Financial Perf ormance Financial Highlights Dec/ 11 Jun/ 12 Dec/ 12 Jun/ 13 Total Assets (R$ Million) 2,332 2,685 2,705 2,837 Shareholders Equity (R$ Million) Net Income (R$ Million) Return on Average Equity 12.53% 8.04% 8.04% 7.02% Total Loan Portfolio (R$ Million) 967 1,200 1,341 1,111 Total Funding (R$ Million) 1,351 1,808 1,943 1,798 Liquid Assets ,012 Basel Ratio (Core Tier I) 22.01% 23.85% 22.03% 27.50% Credit Leverage NIM (before Allowances for Loan Losses) % 5.72% 5.41% 7.14% 7

8 Rat ings Mar/2013 Aa2.br/ BR1 Ba1/ NP Ba1/ NP Bank Deposits / Domestic Currency Deposits / Foreign Currency Bank Deposits Mar/2013 Risk: Low medium term risk Disclosure: Very Good 8

9 Credit Evaluat ion BBM s Credit Committee must approve the credit structure, product, payment flows and guarantees for each presented transaction; All credit approvals granted by the Committee are valid for 90 days; All transactions are evaluated by cashflow/balancesheet and quantitative model; R$ 20 million target net exposure per economic group. 9

10 Commercial Banking Loan Portfolio R$ Million 10

11 Commercial Banking Loan Portfolio Breakdow n by Transaction Loan Portfolio Breakdow n by Sector 11

12 Commercial Banking Loan Portfolio - Quality Ratios Dec/11 Jun/12 Dec/12 Jun/13 Past Due Above 60 days 0.5% 0.1% 0.1% 1.6% Allowances for Loan Losses 3.7% 2.6% 1.6% 3.5% Loans from (D-H) Loans from ((D-H) allowance for loan losses) / equity. 3.8% 3.0% 0.7% 3.3% 0.1% 0.7% -2.1% -0.3% Collaterals 12

13 Liquidit y M anagement Total Funding R$ Million Liquid Assets* R$ Million * Liquid Assets = Cash and cash equivalents + Short-term interbank investments (Funded position, Investments in interbank deposits and foreign currency) + Fixed Income Securities (Not considering those linked to Repo transactions and guarantees) + Variable Income Securities(Not considering fund shares). 13

14 Funding Funding Breakdow n by Sector Funding Sources 14

15 Funding Maturity Profile 1 Loan Portfolio vs. Funding 2 Asset Liability Management R$ Million,, ¹Average term of issuance ²Not considering Demand Deposits. 15

16 Treasury Assets and liability management; Sets price points for other areas; Sophisticated risk management tools; VaR of 2% of shareholders equity; Activities supported by a strong research team. 16

17 Privat e Banking Provides financial advisory and wealth management services; R$ 2.3 billion under management, grounded on: More than 150 years of experience on the Brazilian market with a high expertise on risk management; Assets under Management R$ Million Consistent performance throughout the last years; Product diversification (Open Platform); Transparency. 17

18 Rio de Janeiro, RJ Praça Pio X, 98, 5º, 6,º and 7º floors Zip Code Phone: +55 (21) Fax: +55 (21) Salvador, BA Rua Miguel Calmon, 398 2º floor parte Zip Code Phone: +55 (71) (71) Fax: +55 (71) São Paulo, SP Av. Brigadeiro Faria Lima, º floor Zip Code Phone: +55 (11) (11) Fax: +55 (11) Nassau, Bahamas Shirley House Shirley House Street, 2nd floor, P.O. N-7507 Phone: (1) (242) Fax: (1) (242) Ombudsman: Phone: Fax: Jun/13