BBVA Colombia. Working for a better future for people

Transcription

1 BBVA Colombia Working for a better future for people 2013 The IR Recognition granted by Bolsa de Valores de Colombia S.A. (the Colombian Stock Exchange) is not a certification of the registered securities or the solvency of the issuer.

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3 BBVA Group 3

4 BBVA: A global financial group, recurrent and in expansion 155 years experience in banking Customer Centric Model Leadership in main markets

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13 BBVA Colombia The IR Recognition granted by Bolsa de Valores de Colombia S.A. (the Colombian Stock Exchange) is not a certification of the registered securities or the solvency of the issuer.

14 For BBVA Research, the expectections are positive The economy grew up better than expected on 2Q13 Prediction to have a good performance at the end of period Employment: indicators are stable. The confidence starts to recover based on the good expectations, especially in the industrial system Inflation controlled and Monetary expansion Political enviorment: 2014 elections and legal stability (Courthouse and legislative changes) could affect the banks results. 14

15 BBVA Colombia, 16 years committed with Colombia The largest foregin Bank in Colombia Presence in Colombia since Mortgages Personal Banking 4 Assets Net Loans Transactional Deposits Total Deposits 35 Bill. $ Assets 4 Mill. Clients 444 Offices 429 Branches ATM s Employees

16 High growth in activities and results on BBVA Colombia. Lending 17,954 18,748 20,488 21,166 24,704 21% Var. y/y % Var. CAGR% Deposits 24,282 21,139 17,166 18,652 27,984 32% 13% 17% Thousand million $COP 30% 28% Sep.11 Dec.11 Sep.12 Dec.12 Sep.13 Equity Sep.11 Dec.11 Sep.12 Dec.12 Sep.13 Net Benefit 2,426 2,564 2,722 2,857 3,027 12% % 11% 11% 4% Sep.11 Dec.11 Sep.12 Dec.12 Sep.13 Sep.11 Sep.12 Sep.13

17 Strength in retail activity on individuals Customer s confidence Lending Thousand million COP$ Sep.13 Var. 13/12 Consumption 7,384 24% Credit Cards 1,042 13% Mortgages 5,812 21% Commercial 10,466 19% Total Lending 24,704 21% Clients Deposits Thousand million COP$ Sep.13 Var. 13/12 Checking accounts 4,128 32% Savings 15,961 39% Term Deposits 7,612 21% Others % Total Deposits 27,984 32% Market share - Lending (%) Market share - Deposits(%) Share Aug - 13 Var. TAM (pb) Consumption 13, Credit cards 6,80 +5 Mortgages 18, Commercial 6,62-21 Total Lending 9, Checking Accounts Share Aug - 13 Var. TAM (pb) 9, Savings 12, Term Deposits 9, Total Deposits 10,97 +92

18 Sep-12 Oct-12 Nov-12 Dec-12 Dic-12 Jan-13 Ene-13 Feb-13 Mar-13 Abr-13 May-13 Jun-13 Jul-13 Aug-13 Ago-13 Sep-13 Liabilities structure centered on the customers resources 50.7% 50.8% 52.2% 53.5% 53.4% 53.4% 52.1% 51.5% 51.8% 52.7% 54.0% 54.0% 53.5% 27.2% 28.0% 27.4% 26.1% 26.6% 26.7% 28.2% 27.7% 27.9% 26.6% 25.3% 25.1% 25.8% 15.4% 14.7% 14.9% 15.4% 15.0% 14.8% 13.8% 15.0% 14.5% 15.2% 15.2% 15.4% 15.6% 6.8% 6.5% 5.5% 5.1% 5.0% 5.2% 5.9% 5.8% 5.8% 5.6% 5.5% 5.6% 5.1% Savings Ahorros CA Vista CDT s TD Bonos Bonds

19 Good situation of the Bank in relation on the maturity of bonds. TYPE DATE TERM NOMINAL VALUE EXPIRATION DATE Int. Rates of IPC / 1 Ordinary Bonds Aug Aug-08 6 years 43,110 26/08/2014 IPC+ 4.58% Ordinary Bonds Aug Aug years 155,000 26/08/2019 IPC % Ordinary Bonds Sept Sep-10 5 years 33,600 29/09/2015 IPC % Ordinary Bonds Sept Sep-10 7 years 134,050 29/09/2017 IPC % Subordinated Bonds Sep Sep-11 7 years 102,000 19/09/2018 IPC % Subordinated Bonds Sep Sep years 106,000 19/09/2021 IPC % Subordinated Bonds Sep Sep years 156,000 19/09/2026 IPC % Subordinated Bonds Feb Sep years 200,000 19/02/2023 IPC % Subordinated Bonds Feb Sep years 165,000 19/02/2028 IPC % Total Bonds (IPC) 1,094,760

20 Recurrent benefit creation Net interest income Gross Margin Var. y/y % % Var. CAGR% Thousand million $COP % 11% 12% Sep.11 Sep.12 Sep.13 Sep.11 Sep.12 Sep.13 Net Margin % 4% increasing Sep.11 Sep.12 Sep.13 22

21 Outstanding growth with the best quality ratios NPL ratio (%) Coverage ratio (%) BBVA System BBVA System Aug.11 Aug.12 Aug.13 Aug.11 Aug.12 Aug.13 23

22 Confortable levels in Solvency, focused on profitability 11,65 Solvency ratio September(%) 11,27 11,27 10,70 Previous methodology *New metholody Sep.12 Sep.13 SFC 9% ROE BBVA vs. System Aug. 13 (%) ROE Ex Goodwill Peer Group Aug. 13 (%) BBVA System BBVA Peer 1 Sector Peer 2 Peer 3 *Decreto

23 Ratings BBVA Colombia Internationals Fitch Moody s Long term FX BBB- Baa3 Short term FX F2 P3 Long term ML BBB Baa2 Short term ML F2 P3 Outstanding Increasing importance of the BBVA Colombia s strategy on the global BBVA Group, because the good performance The viability ratings has improved, by the success efforts of the bank, in the improvement of the assets quality, increased profitability, reserves and capital, which provides solidity BBVA Colombia has the highest qualification on grade investment Locals Fitch Ratings Colombia S.A. Calificación BRC Investor Services S.A. Calificación Long term ML AAA Long term ML AAA Short term ML F1+ col Short term ML BRC 1+

24 In Conclusion Subsidiary Model (Headquarter Know How.) Business Model based on sustained and recurrent revenues creation. Healthy growth, with credit quality Broad levels in solvency, focused on profitability 26

25 Contact us. Investors Relation Team Bogotá, Colombia. BBVA Colombia S.A. The IR Recognition granted by Bolsa de Valores de Colombia S.A. (the Colombian Stock Exchange) is not a certification of the registered securities or the solvency of the issuer.

26 BBVA Colombia Working for a better future for people 2013 The IR Recognition granted by Bolsa de Valores de Colombia S.A. (the Colombian Stock Exchange) is not a certification of the registered securities or the solvency of the issuer.