Banco ABC Brasil SA · BMFBOVESPA:ABCB4
Banco ABC Brasil SA — Q4 2010 Earnings Presentation
17 slides from Banco ABC Brasil SA's earnings presentation, Feb 14, 2011
Slide 1: Conference Call about 4th Quarter 2010 Earnings Results
Conference Call about 4th Quarter 2010 Earnings Results Anis Chacur Neto Sergio Lulia Jacob CEO Director Vice-President and IRO Feb | 14 | 2011 1
Slide 2: Highlights
Highlights Net Income in 2010 totaled BRL 202.2 million and BRL 54.0 million in the quarter Annualized Return on Equity (ROAE) in 4Q10 reached 16.3% p.a. The credit portfolio including guarantees issued, reached BRL 11,588.4 million Income from services rendered grew 81.3% in the year and 52.0% in t
Slide 3: Credit Portfolio
Credit Portfolio BRL million 36.2% 8% 8,509.2 9,484.5 10,251.3 10,725.7 11,588.4 Total Portfolio 7,157.2 8,079.8 8,790.8 9,323.9 10,058.7 84% 85% 86% 87% 87% 1,242.0 1,314.3 1,388.0 1,401.8 1,529.7 15% 14% 14% 13% 13% 4T09 4Q09 1T10 1Q10 2T10 2Q10 3T10 3Q10 4T10 4Q10 35.2% 4.5% 5,644.7 6,293.0 6,844
Slide 4: Business Segments
Business Segments BRL million Corporate Middle Market Companies with annual revenues Companies with annual revenues over BRL 250 million from BRL 30 to 250 million Total Portfolio Total Portfolio 40.1% 26.0% 7.5% 11.6% 9,323.9 10,023.8 1,564.6 8,079.8 8,790.8 1,388.0 1,401.8 7,157.2 1,242.0 1,314.3
Slide 5: Segments Highlights
Segments Highlights BRL million Corporate Middle Market 12.9 13.7 14.7 Exposure 12.0 12.0 2.1 per Client 2.0 2.0 2.0 2.0 390 376 Duration 258 261 360 256 257 (days) 342 346 246 679 682 683 Groups 717 728 675 695 652 618 596 4Q09 1Q10 2Q10 3Q10 4Q10 4Q09 1Q10 2Q10 3Q10 4Q10 7,157 8,080 8,791 9,324 10
Slide 6: Geographical Presence And Expansion Plan
Geographical Presence And Expansion Plan BUSINESS PLATFORMS RR AP CORPORATE MIDDLE SP Capital 3 4 AM SP Countryside 1 2 CE PA MA South 1 3 RN PI PB RJ 1 1 PE AC MG - 1 RO TO AL GO - 1 SE MT BA TOTAL 6 12 DF GO MG New Middle Market Business Platforms MS ES SP Middle-West RJ PR Ribeirão Preto SC São P
Slide 7: Credit Portfolio Quality
Credit Portfolio Quality BRL million Past Due(90 days) Loan Loss Provision (% portfolio) 2.1% 2.2% 5.5% 5.2% 1.8% 4.4% 4.0% 3.7% 3.6% 3.6% 3.6% 1.3% 3.3% 1.2% 2.8% 3.0% 2.3% 2.4% 2.6% 0.9% 1.0% 2.3% 2.2% 2.2% 2.3% 0.8% 2.3% 1.9% 1.8% 0.5% 1.8% 2.3% 1.6% 0.6% 0.6% 0.6% 0.7% 0.7% 2.2% 1.6% 0.6% 0.6% 1
Slide 8: Funding
BRL million 5,841.6 6,446.2 7,694.4 7,913.1 @ Subordinated Debt @ International 24% 24% @ Individual investors m BNDES @ Financial institutions § Institutional investors Corporate investors deci09 mar/10 jun/i0 sep/10 dec/10 Agyusc BRASIL 8 ARAB BANKING Sr” CORPORATION
Slide 9: Basel Index & Shareholders´ Equity
Basel Index & Shareholders´ Equity BRL million 1,312.1 1,347.9 1,218.4 Shareholders' Equity 16.9% 16.0% 14.6% 4.8% 4.3% Tier II 14.6% 12.1% 11.7% Core Capital (Tier I) 4Q09 3Q10 4Q10 Var 4Q10 Var 4Q10 - Capital Adequacy (BRL million) 4Q10 3Q10 4Q09 - 3Q10 4Q09 Capital 1,841.8 1,833.0 1,228.3 0.5% 49
Slide 10: Financial Margin
Financial Margin BRL million 4Q10 3Q10 Var.(%) 4Q09 Var.(%) 2010 2009 Var.(%) Financial Margin with Clients 113.3 109.7 3.2% 87.9 28.8% 421.5 348.3 21.0% Financial Margin with Market 13.1 7.2 82.3% 10.8 21.4% 43.6 27.7 57.5% Net Interest Income before Loan-Loss Provisions (LLP) 126.4 116.9 8.1% 98.7
Slide 11: Income from services
Income from services BRL million Var 4Q10 - Var 2010 - Income from services rendered (BRL million) 4Q10 3Q10 4Q09 2010 2009 3Q10 2009 Guarantees issued 19.6 17.4 14.1 69.8 43.7 12.2% 59.8% Capital Markets and M&A Fees 8.2 0.5 0.6 12.7 1.5 0.0% 773.5% Banking Fees 6.9 4.9 5.1 25.6 14.5 40.9% 76.8% To
Slide 12: Expenses
Expenses BRL million Var 4Q10 - Var 2010 - Expenses (BRL million) 4Q10 3Q10 4Q09 2010 2009 3Q10 2009 Personnel (25.7) (23.1) (20.3) (92.1) (77.9) 11.1% 18.2% Other administrativ e ex penses (16.1) (13.7) (15.7) (57.7) (55.2) 17.0% 4.5% Profit Sharing (19.2) (15.0) (13.5) (65.1) (42.1) 28.4% 54.8% To
Slide 13: Profitability
Profitability BRL million NET INCOME ROAE (p.a.) 202.2 * 141.9 * 16.3% 14.8% 15.2% 15.9% 15.8% * 15.8% 12.1% 50.2 51.1 54.0 44.5* 46.9 3Q09 4Q09 1Q10 2Q10 3Q10 2009 2010 3Q09 4Q09 1Q10 2Q10 3Q10 2009 2010 * Excluding extraordinary effects of divestment of CETIP and joining of program for settlement
Slide 14: Guidance Realized 2010
Guidance Realized 2010 Estimated Realized Credit Portfolio 25% - 30% 36% Corporate 22% - 25% 40% Middle Market 30% - 40% 26% Personnel & Other Administrative Expenses 5% - 10% 12% 14 14
Slide 15: Guidance 2011
Guidance 2011 Estimated Credit Portfolio 21% - 25% Corporate 18% - 23% Middle Market 35% - 40% Personnel & Other Administrative Expenses 12% - 15% 15 15
Slide 16: Investor Relations
Investor Relations Sergio Lulia Jacob Director Vice-President and IRO Alexandre Sinzato, CFA Head of Investor Relations Web Site: www.abcbrasil.com.br/ir Email: ri@abcbrasil.com.br Phone: +55 (11) 3170-2186 16 16
Slide 17: Disclaimer
Disclaimer The following material, on this date, is a presentation containing general information about the Banco ABC Brasil S.A. We offer no guarantee and make no declaration, implicitly or explicitly, as to the accuracy, completeness or scope of this information. This presentation may include forw