Brb Banco De Brasilia Sa · BMFBOVESPA:BSLI3
Brb Banco De Brasilia Sa — BRB - Banco de Brasília — Q3 2023 Earnings Presentation
22 slides from Brb Banco De Brasilia Sa's earnings presentation, Nov 9, 2023
Slide 1: Results 3rd quarter 2023
Brasília, November 9th, 2023 Results 3rd quarter 2023 Dario Oswaldo Garcia Junior Paulo Henrique Costa Carlos Alberto Moreira Junior Alexsandra Braga Emerson Rizza Mário Ferreira Neto Chief Financial Officer, Controller and BRB President BRBCARD President BRB Seguros President BRB President BRB Serv
Slide 2: Overview
Results Presentation 3Q23 Overview Vanguard in the development of BRB strong, modern government products | Pix Judicial, and comprehensive, Mobility, Na Hora, Social Cards uniting result and social impact Customer base growth Strengthening the BRB Digital and profitability Ecosystem | Operation with
Slide 3: Our Numbers 3Q23 vs. 3Q22
Results Presentation 3Q23 Our Numbers 3Q23 vs. 3Q22 Net Profit Total Assets Loan Portfolio R$ 76.4 million R$ 48.4 billion R$ 34.6 bilhões 34.9% 20.5% 19.4% Commissions and Fees Total Funding Default Revenue R$ 41.9 billion 2.01 % R$ 191.3 million 23.3% 0.2 p.p. 26.3% Loan Revenues C.A.R. Customers
Slide 4: Financial Performance
Results Presentation 3Q23 Financial Performance Operating Result Net Profit 34.9% R$ 89.0 million 40.7% 3Q23 x 3Q22 76,4 56,7 3T22 3T23 Result Revenues R$ 48,0 million Affiliates R$ 1.4 billion from Loan 114.5% 33.5% Operations Financial Margin Treasury Result R$734.0 million R$393.0 million 29.0% 1
Slide 5: Customers and Channels
Results Presentation 3Q23 Customers and Channels 3,280 3,052 Digital Individual 7.5 45 1,153 million Legal Entity Other (thousand) of Customers +15% + 3% Customer 7,5 base 6.6 6.7 7,0 7,3 (million) 3T22 4T22 1T23 2T23 3T23 Transactions by Channel 95% 4% 1% 3Q23 Internet + Mobile Branchless Branches
Slide 6: Relationships Expansion
Results Presentation 3Q23 Relationships Expansion Brick-and-Mortar Deals Branches Physical A phygital bank with 9 new consignment agreements, totaling Expansion concept stores 539 assets Presence in 12 States + the Investing in and monetizing the 11 more brick-and-mortar branches Federal District cu
Slide 7: Phygital Expansion with Digital Security
Results Presentation 3Q23 Phygital Expansion with Digital Security Innovative digital ecosystem driving Change Data Capture (CDC) Machine Learning as an extra ideas from society and absorbing For the analysis of risk, credit, tool in fraud prevention start-ups in banking solutions. compliance and cu
Slide 8: NAÇÃOBRBFLA
Results Presentation 3Q23 Football has the largest audience in the world NAÇÃOBRBFLA Flamengo has the biggest fan base in Brazil 13% Open Accounts (millions) New phase: Negotiations with potential new partners, to further 3,5 3,1 monetize the business 3T22 3T23 Loyal clientele like the team fans Hig
Slide 9: Insurance
Results Presentation 3Q23 Insurance Insurance Commission1 New products in niches of increasing profitability R$ 62.9 million 90.9% 3Q23 x 3Q22 BRB PET Senior Secured Protection for your pet Loan Consolidation of business partnerships Payment Protection Insurance for clients up to 85 years old BRB Pr
Slide 10: Investments
Results Presentation 3Q23 Investments 3Q23 x 3Q22 R$ 3.33 billion Managed shareholders' equity 6% R$ 885 million +39.9 accounts 173% thousand 102% + 30.55 thousand 82% AuC in 3Q23 Funds Shareholders Integration of the Investment 70.5 thousand Platform into the Customers Platform and Shareholders BRB
Slide 11: Payment methods
Results Presentation 3Q23 Payment methods Credit and prepaid card base ✔ 1.4 million active cards Cards with unique experiences ✔ 18% growth Payments ✔ R$ 2.2 billion ✔ 41% growth Mapping customers' BRBPAY passions ✔ 1,800 sale points ✔ R$79.8 million in volume total billing 3Q23 x 3Q22 Executive Av
Slide 12: ESG
Results Presentation 3Q23 Federal District Government Civil ESG Servants’ Health Insurance Accumulated data since 2019 Impacting thousands > 4.6 million 48 k R$ 1.5 billion > 336 thousand Tests made Hospitalizations in benefits paid since 2019 Families reached 85 k 760 k 138 k R$ 93 mm R$ 84 mm cove
Slide 13: Diversity and Inclusion
Diversity and Inclusion Diversity Actions Women's Leadership ✔ Diverse, fair and welcoming work environment Program ✔ Our principles are: Educate, Value, Welcome and Respect ✔ More than half of the Board positions are held by women ✔ 38% of leadership positions are held by women and 42% held by ❖ Em
Slide 14: Loan portfolio
Results Presentation 3Q23 Loan portfolio +34.4% +37.2% +36.1% Rural and +39.0% Legal Entity Mortgage +19.4% 3Q23x 3Q22 Credit Card agribusiness financing % Interest Credit origination 3Q22 2Q23 3Q23 Δ3M Δ12M 3Q22 2Q23 3Q23 Individual 17,289 18,376 18,503 0.7% 7.0% 59.6% 55.3% 53,4% 28.0% Payroll Ded
Slide 15: Personal credit, mortgage and rural financing
Results Presentation 3Q23 Rural and agribusiness Personal credit Mortgage financing R$ 2.3 billion R$ 8.5 billion R$ 1.02 billion Portfolio balance | 3Q23 Portfolio balance | 3Q23 Portfolio balance | 3Q23 ^ 18.6% R$ 1.2 billion 1st place of originated credit| 3Q23 DF General, Pronaf and Pronamp grow
Slide 16: Credit Portfolio Quality
Results Presentation 3Q23 Credit Portfolio Quality Default by Portfolio Pre-Default by Portfolio 2,84% 2,81% 3,41% 2,89% 2,85% 2,59% 2,28% 2,54% 2,42% 2,45% 3,89% 3,83% 3,12% 2,71% 3,12% 2,91% 2,21% 2,12% 2,46% 2,00% 1,92% 2,01% 2,18% 2,07% 1,89% 0,42% 2,64% 2,48% 0,19% 0,19% 0,38% 2,16% 2,00% 0,26%
Slide 17: Funding
Results Presentation 3Q23 Funding Total Funding +23.3% Ownership interest -% 3Q23 x 3Q22 2Q23 3Q23 Δ Quar Δ 12M 3Q22 3Q23 3Q22 Customer Funding 30,662 38,433 40,388 5.1% 31.7% 90.1 % 96.3% Demand Deposits 1,347 1.270 1,342 5.7% -0,4% 4.0% 3,2% 41.928 Savings Account 2,634 2,583 2,578 -0.2% -2.2% 7.7
Slide 18: Administrative Expenses
Results Presentation 3Q23 Administrative Expenses 3Q22 2Q23 3Q23 Δ 3M Δ 12M Personnel Expenses -265 -303 -291 -3.7% 9.9% Administrative Expenses -156 -154 -166 7.6% 6.2% Technology -63 -65 -67 3.1% 7.7% Structural -63 -60 -61 1.3% -3.2% Other Expenses -30 -28 -37 32.1% 3.3% Transactional -47 -48 -47
Slide 19: Commissions and Fees Revenue
Results Presentation 3Q23 Commissions and Fees Revenue 3Q22 2Q23 3Q23 Δ 3M Δ 12M Commissions Current Account 66,494 61,828 56,403 -8.8% -15.2% Cards 30,633 40,498 42,431 4.8% 38.5% +90.9% Commissions 32,944 34,007 62,886 84.9% 90.9% Resources Administration 9,780 10,222 11,286 10,4% 15.4% Cards Tick
Slide 20: Capital
Results Presentation 3Q23 Capital C.A.R. Ratio 14,35% 14,79% 14.39% 14,95% 14,53% 3T22 4T22 1T23 2T23 3T23 + 0.18 p.p. 1.71 -2.39 16,00% 14,35% 0.86 14,53% 14,00% Subordinate Financial 5,35% 12,00% 5,13% Risk-Weighted Change in Letters Shareholder Assets (RWA) 10,00% s' Equity 8,00% 6,00% 9,18% 9,22
Slide 21: Final Considerations
Results Presentation 3Q23 Final Considerations Operating Result of R$ 89.0 million and Net Profit of R$ 76.4 million in the quarter, (+40.7% and +34.9%, annual comparison, respectively). Evolution in the main businesses, with emphasis on the growth of 19.4% in the loan portfolio, in the annual compa
Slide 22: Disclaimer
Disclaimer This presentation has references and declarations about BRB's expectations, planned synergies, growth estimates, result projections, and future strategies. Although those references and expectations reflect what its administrators believe, they include hard-to-predict uncertainties and ri
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