Banco ABC Brasil SA · BMFBOVESPA:ABCB4
Banco ABC Brasil SA — Q3 2011 Earnings Presentation
15 slides from Banco ABC Brasil SA's earnings presentation, Nov 8, 2011
Slide 1: Conference Call – 3rd Quarter 2011
Conference Call – 3rd Quarter 2011 Sergio Lulia Jacob Alexandre Sinzato, CFA Financial Vice-President Head of Investor Relations Nov | 8th | 2011 1
Slide 2: Highlights
Highlights Net Income in 3Q11 totaled BRL 58.5 million. Annualized Return on Equity (ROAE) reached 16.2% pa in 3Q11. The credit portfolio including guarantees issued reached BRL 12,539.0 million by the end of September 2011. The Net Interest Margin (NIM) and the Efficiency Ratio reached 5.7% pa and
Slide 3: Credit Portfolio
Credit Portfolio BRL Million 16.8% 2.4% 10,725.7 11,588.4 11,925.6 12,234.8 12,529.0 Total Portfolio 10,314.3 10,522.2 10,729.3 10,023.8 9,323.9 86% 87% 86% 86% 86% Corporate 14% 1,401.8 13% 1,564.6 14% 1,611.3 14% 1,712.6 14% 1,799.7 Middle 3Q10 4Q10 1Q11 2Q11 3Q11 8.5% 3.8% 7,149.4 7,629.5 7,479.1
Slide 4: Business Segments
Business Segments 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 15.1% 28.4% 2.0% 5.1% 10,522.1 10,729.3 1,712.6 1,799.7 10,023.8 10,314.3 1,564.5 1,611.3 9,323.9 1,401.7 3Q10 4Q10
Slide 5: Segments Highlights
Segments Highlights BRL million Corporate Middle Market 728 738 Total Number 869 1,040 1,104 667 of Clients 564 524 520 Clients with 654 840 839 Credit Exposure 20.1 20.7 Average Ticket 2.1 2.1 16.5 2.0 (BRL Million) 376 367 257 234 362 Average Tenor 225 (days) Sep/10 Jun/11 Sep/11 Sep/10 Jun/11 Sep
Slide 6: Geographical Presence and Expansion Plan
Geographical Presence and Expansion Plan Presence in 23 cities and 9 new Offices opened in 2011 RR Business Platforms AP Corporate Middle São Paulo Capital 3 4 AM São Paulo Countryside 1 2 PA MA CE South 1 3 RN Rio de Janeiro 1 1 PI PB Minas Gerais - 1 AC PE TO Midwest - 1 AL RO BA SE TOTAL 6 12 MT
Slide 7: Credit Portfolio Quality
Credit Portfolio Quality Past Due above 90 days (% portfolio) Loan Loss Reserves (% portfolio) 2.28% 1.84% 5.54% 1.27% 4.03% 1.18% 3.65% 3.60% 3.59% 3.45% 1.04% 3.33% 0.95% 3.02% 2.98% Middle 0.66% 0.64% 0.65% 0.69% 0.60% 0.71% 2.30% 2.24% 2.23% 2.25% 0.34% 0.98% 0.57% 0.39% 0.57%0.40% 0.51% Middle
Slide 8: Funding
Funding 3Q10 4Q10 1Q11 2Q11 3Q11 21% 19% 19% 20% 21% International 1,924.5 1,723.3 1,792.5 1,938.8 2,156.3 8% 10% 8% 10% Individual Investors 10% 7% 7% 7% 37% Financial Institutions 6% 6% 36% 35% 37% 35% 10% 9% 9% 9% 10% Institutional Investors 10% 11% 11% 10% 12% Corporate Investors 3,113.9 3,314.7
Slide 9: Basel Index & Shareholders´ Equity
Basel Index & Shareholders´ Equity 1,460.2 1,424.2 Shareholders' Equity 1,384.3 1,347.9 (BRL Million) 1,312.1 16.9% 16.0% 15.8% 15.7% 15.4% 4.8% 4.3% 4.1% 3.8% 4.4% Tier II Tier I (Core Capital) 12.1% 11.7% 11.6% 11.6% 11.4% 3Q10 4Q10 1Q11 2Q11 3Q11 Chg(%)/p.p. Chg(%)/p.p. Capital Adequacy (BRL mill
Slide 10: Financial Margin
Financial Margin (BRL million) 3Q11 2Q11 Chg (%) 3Q10 Chg (%) 9M11 9M10 Chg (%) Net Interest Income before Loan Loss Provision (LLP) 146.8 133.5 9.9% 116.9 25.6% 415.7 338.7 22.7% Financial Margin w ith Clients 137.2 118.7 15.6% 109.7 25.0% 377.7 308.2 22.5% Financial Margin w ith Market 9.6 14.9 -3
Slide 11: Income from Services
Income from Services Banking Service Fees (BRL million) 3Q11 2Q11 Chg (%) 3Q10 Chg (%) 9M11 9M10 Chg (%) Guarantees Issued 23.5 22.6 3.8% 17.4 34.5% 66.9 48.8 36.9% Capital Markets and M&A Fees 2.4 2.8 -16.5% 0.5 413.3% 7.2 4.5 60.8% Banking Tariffs 4.2 5.4 -22.3% 4.9 -14.4% 16.5 20.2 -18.3% Total 3
Slide 12: Expenses
Expenses Expenses (BRL million) 3Q11 2Q11 Chg (%) 3Q10 Chg (%) 9M11 9M10 Chg (%) Personnel (28.2) (27.4) 3.0% (23.1) 22.0% (81.7) (66.4) 23.0% Other administrativ e ex penses (16.6) (16.9) -1.8% (13.7) 21.0% (48.9) (41.6) 17.5% Profit Sharing (17.0) (16.8) 1.3% (15.0) 13.4% (51.4) (45.9) 12.0% Total
Slide 13: Profitability
Profitability Net Income (BRL Million) ROAE (% p.a.) 175.4 148.2 17.2% 16.2% 15.8% 16.3% 16.6% 15.7% 16.7% 51.1 54.0 56.7 60.2 58.5 3Q10 4Q10 1Q11 2Q11 3Q11 9M10 9M11 3Q10 4Q10 1Q11 2Q11 3Q11 9M10 9M11 13 13
Slide 14: Investor Relations
Investor Relations Sergio Lulia Jacob Financial Vice-President Alexandre Sinzato, CFA Head of Investor Relations Web Site: www.abcbrasil.com.br/ir Email: ri@abcbrasil.com.br Phone: +55 (11) 3170-2186 14 14
Slide 15: Disclosure
Disclosure 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