Banco Davivienda SA · BVC:PFDAVVNDA
Banco Davivienda SA — Q1 2013 Earnings Presentation
25 slides from Banco Davivienda SA's earnings presentation, September 2021
Slide 1: Fe de Erratas
Fe de Erratas Due to changes in some of the information of first quarter 2013 (1Q13), please see Fe de Erratas on slide 24
Slide 2: Earnings Presentation 1Q13 Consolidated Results
Earnings Presentation 1Q13 Consolidated Results
Slide 3: The examples given shouldn’t be taken as a guarantee for future projections and it
The information presented here is exclusively informative and illustrative. It is not, nor does it pretend to be a source of legal or financial consultation regarding any issue. The financial information and projections presented are based on information and calculations carried out internally by DA
Slide 4: Content
Content First Quarter Highlights First Quarter 2013 Results Davivienda Consolidated Davivienda Colombia
Slide 5: First Quarter Highlights
First Quarter Highlights
Slide 6: DaviPlata a new banking network in Colombia
First Quarter Highlights DaviPlata a new banking network in Colombia A new way to manage money from your cellphones. 1.7 million of Colombians are using Daviplata. For the first time 1.2 million people entered the Colombian financial system Subsidies have been distributed to more than 1 million fami
Slide 7: Corredores Asociados
First Quarter Highlights Corredores Asociados Fidudavivienda and Davivalores In February 2013, the agreement was reached to acquire 100% of Corredores Asociados and its subsidiary in Panama. Currently we are in process of authorization. 7
Slide 8: New Governance Structure
First Quarter Highlights New Governance Structure Board of Presidency Directors Executives International Audit and VP’s Executive VP Compliance Risk and audit Committees International International International Finance Credit VP Operations VP VP REGIONAL UNIT Business Risk Control Countries Plannin
Slide 9: Key Business Results
First Quarter Highlights Key Business Results Leaders in the social housing segment with 35%1 in market share In May of 2013 ended the “Feria de Vivienda Davivienda”, 43,000 loans were pre-approved for $3.4 trillion. Payroll portfolio grew by 13.8% compared to March 2012, achieving a market share of
Slide 10: Other aspects to highlight
First Quarter Highlights Other aspects to highlight Debt issuance Program Local Notes (February 2013): $500 Billion Senior Notes with demand of $1.4 trillion The Company´s Board of Directors approved an increase of the global amount of the local issuance program up to $3 trillion for another 3 years
Slide 11: First Quarter 2013 Consolidated
First Quarter 2013 Consolidated
Slide 12: Assets
Consolidated Assets (COP Trillion) ROAA (1) 1.93% 1,93% 1,78% 1.78% 1.71%1,71% 1.85% Assets Mar. 12 Dec. 12 Mar. 13 Q/Q Y/Y Colombia 36.1 39.3 41.3 5.1% 14.4% International (2) 1.4 8.8 9.2 4.5% 578.6% Total (3) 37.4 47.1 49.5 5.1% 32.3% 1 ROAA : Net Income (12 months) / Average assets 2. Davivienda
Slide 13: Gross Loans
Consolidated Gross Loans (COP Trillion) Loans Mar. 12 Dec. 12 Mar. 13 Q/Q Y/Y Colombia 26.4 28.7 29.5 2.9% 12.0% International 0.9 5.8 6.1 5.3% 592.6% Total 27.2 34.4 35.6 3.3% 30.7% Davivienda international El Salvador, Costa Rica, Honduras, Panama: Commercial includes microcredits and mortgages in
Slide 14: Gross Loans Growth by Commercial, Consumer, Mortgages
Consolidated Gross (COP Trillion) Loans Loans Growth Commercial(1) Colombia International Q/Q Y/Y Q/Q Commercial 3.3% 9.2% 6.3% Consumer -0.3% 6.6% 4.5% Mortgages 7.6% 31.2% 3.2% Total 2.9% 12.0% 5.3% Mortgages (2), (3) Consumer Davivienda international: El Salvador, Costa Rica, Honduras, Panama 1 C
Slide 15: Quality & Coverage
Consolidated Quality & Coverage Quality: Loans>90 days Coverage: Allowances/ Loans>90 days CA includes El Salvador, Costa Rica and Honduras 15
Slide 16: Quality & Coverage by Loan Type
Consolidated Quality & Coverage Consumer Commercial 1 Mortgage2 CA includes El Salvador, Costa Rica and Honduras Quality: Loans>90 days Coverage: Allowances/ Loans>90 days 1 Commercial includes microcredits 2 Mortgages includes leasing 16
Slide 17: Funding Sources
Consolidated Funding Sources (COP Trillion) Loans, net/ Funding 84.0% 82.8% 81.0% 81.9% Socurces(2) Funding Sources Mar. 12 Dec. 12 Mar. 13 Q/Q Y/Y Colombia 29.6 32.3 34.3 6.0% 15.8% International 1.2 7.3 7.6 4.0% 536.4% Total 30.8 39.6 41.9 5.7% 35.9% Davivienda international: El Salvador, Costa Ri
Slide 18: Solvency and Net Income
Consolidated Solvency and Net Income Solvency(1) Net Income 9% Mar 2012 Dec 2012 Mar 2013 ROAE (1) 15.7% 13.6% 13.2% 1. Regulatory minimum solvency 9% 18
Slide 19: Net Income
Consolidated Net Income (COP Billion) 1Q13 Net income for the quarter increased by 54% compared to the previous quarter Accumulated Net Income of System increased 35.2%, while ROE reached 15.1% 19
Slide 20: Davivienda Colombia
Davivienda Colombia
Slide 21: Net Income
First Quarter Results Colombia Net Income (COP Billion) 0.3% 7.7% 1Q12 4Q12 1Q13 21
Slide 22: Financial Margin, net
First Quarter Results Colombia Financial Margin, net (COP Billion) 15,6% 0,6% 1Q12 4Q12 1Q13 Mar 2012 Dec 2012 Mar 2013 NIM (1) 8.0% 7.9% 8.0% 1. NIM: 12 months Gross Financial Margin / Average Interest Earning Assets. 22
Slide 23: Expenses
First Quarter Results Colombia Expenses (COP Billion) Mar 2012 Dec 2012 Mar 2013 Efficiency (1) 49.1% 48.3% 48.8% 1 Efficiency (12 months) = Operation expenses Good Will /(Gross Financial Margin + operating income + other income and expenses) 23
Slide 24: Fe de Erratas
Fe de Erratas First Quarter 2013 1Q13 Presentation Change Slide Information Previous Data New data 1 18 Tier I 10.1% 10.3% 2 18 Solvency 14.75% 15.00% 3 18 Solvency chart - - 24
Slide 25: Thank You!
° a o > D/WVIMIENDMN Thank You!