Banco Davivienda SA · BVC:PFDAVVNDA
Banco Davivienda SA — Q2 2016 Earnings Presentation
19 slides from Banco Davivienda SA's earnings presentation, July 2016
Slide 1: Davivienda
& DAVIVIENDN
Slide 2: Earnings Presentation 2Q16 Consolidated Results
Earnings Presentation 2Q16 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 for informative and illustrative purposes. 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 int
Slide 4: Content
Content Second Quarter Highlights Second Quarter 2016 Financial Results
Slide 5: Second Quarter Highlights
SECOND QUARTER HIGHLIGHTS
Slide 6: Main Results
Second Quarter Highlights Main Results Accumulated net income reached $827 billion. Growing 41.5% compared to 1S15. ROAE1 at June 2016 reaches 17.0%, shows an improvement of 522 b.p. Compared to 2Q15. Efficiency2 ratio shows an improvement of 527 b.p. Compared with last year, reached 44.4%. Gross lo
Slide 7: Retail Loans
Second Quarter Highlights Retail Loans Retail loans1 reached $32.0 trillion increasing 19.4% compared to 2Q15. Mortgages loans portfolio reached $14.8 trillion, up 23.5% compared with the same period 2015. Consumer loan portfolio reached $17.2 trillion increasing 16.1% on 2Q16 compared with 2Q15. Gr
Slide 8: Commercial Loans
Second Quarter Highlights Commercial Loans Commercial loans portfolio1 reached $36.6 trillion, increasing 26.7% compared to 2Q15. While Colombia grew by 27.5% compared to 2Q15. The growth in corporate loans in Colombia is highlighted with an annual growth of 21.1%, totalizing $17.8 trillion. SME loa
Slide 9: Other Highlights
Second Quarter Highlights Other Highlights On June 30th, 2016 Banco Davivienda capitalized Fiduciaria Davivienda COP$33 billion. On July 15th, 2016 Banco Davivienda Panamá (Intl.)1 made an investment of US$30 million to Grupo del Istmo (Costa Rica) S.A. On July 28th, 2016 Banco Davivienda S.A. issue
Slide 10: Second Quarter Financial Results 2016
SECOND QUARTER Financial Results 2016
Slide 11: Assets
Consolidated Assets (COP Trillion) 2Q16 / 1Q16 2Q16 / 2Q15 Cash -8.4% 14.7% Investments, net -1.6% -1.5% Loans, net 3.6% 23.2% Other assets 1.9% 15.8% Assets (1) 1.7% 19.0% Assets Jun 15 Mar 16 Jun 16 2Q16 / 1Q16 2Q16 / 2Q15 Colombia 57.9 65.5 67.6 3.2% 16.7% International 17.5 22.6 22.0 -2.7% 25.4%
Slide 12: Gross Loans
Consolidated Gross Loans (COP Trillion) 2Q16 / 1Q16 2Q16 / 2Q15 Mortgage 4.4% 23.5% Consumer 4.1% 16.1% Commercial (1) 2.9% 26.7% Gross Loans 3.5% 23.2% Gross Loans Jun 15 Mar 16 Jun 16 2Q16 / 1Q16 2Q16 / 2Q15 Colombia 44.0 51.5 54.0 4.9% 22.8% International 11.7 14.7 14.6 -1.3% 24.4% International
Slide 13: Quality and Coverage (%)
Consolidated Quality and Coverage (%) Total Commercial(1) Consumer Mortgage Coverage Consolidated Quality Consolidated 1. Commercial Includes Microcredit. Quality: Loans >90 days / Gross loans portfolio Coverage: Allowances / Loans >90 days 13
Slide 14: Funding Sources
Consolidated Funding Sources (COP Trillion) 2Q16/1Q16 2Q16/1Q16 Demand Deposits -4.5% 11.0% Term Deposits 11.0% 38.7% Bonds -0.6% 4.9% Credits -2.0% 36.3% Funding Sources 1.0% 20.9% Net Loan / Funding Sources 88.2% 87.6% 89.9% Funding Sources Jun 15 Mar 16 Jun 16 2Q16 / 1Q16 2Q16 / 2Q15 Colombia 46.
Slide 15: Capital Structure
Consolidated Capital Structure Solvency Equity (trillion) Y/Y: 16.9% Q/Q: 3.8% Tier I Tier II Minimum Required 15
Slide 16: Financial Margin, Net
Consolidated Financial Margin, Net (COP Billion) QUARTER ACCUMULATED NIM(1) Mar. 15 Jun. 16 6.63% 6.65% 2Q15 1Q16 2Q16 Jun. 15 Jun. 16 2Q16 2Q16 / 1Q16 2Q16 / 2Q15 Jun. 16 Jun 16 / Jun 15 $ (%) (%) $ (%) 1,937 1.8 32.1 Loan Income 3,841 33.8 257 20.2 171.2 Investment Income, Overnight 471 88.2 2,195
Slide 17: Expenses
Consolidated Expenses (COP Billion) QUARTER ACCUMULATED Efficiency(2) Jun. 15 Jun. 16 49.7% 44.4% 2Q16 2Q16/1Q16 2Q16/2Q15 Jun. 16 Jun 16 / Jun 15 $ (%) (%) $ (%) 310 0.2 7.4 Personnel Expenses 620 13.3 289 7.9 8.4 Operational Expenses 556 11.7 98 -2.8 26.4 Other Expenses(1) 198 21.1 697 2.8 10.2 To
Slide 18: Net Income
Consolidated Net Income (COP Billion) QUARTER ACCUMULATED Jun. 15 Jun. 16 ROAE(1) 11.8% 17.0% ROAA(2) 1.26% 1.74% 2Q16 2Q16 / 1Q16 2Q16 / 2Q15 Jun. 16 Jun 16 / Jun 15 $ % % $ % 1,010 13.8 45.0 Financial Margin, Net 1,897 26.3 284 -9.7 19.3 Operative Income 598 25.9 (697) 2.8 10.2 Operative Expenses
Slide 19: Thank You!
Thank You! atencionainversionistas@davivienda.com +57 1 2203495