Banca Transilvania Sa · BVB:TLV
Banca Transilvania Sa — Q1 2020 Earnings Presentation
26 slides from Banca Transilvania Sa's earnings presentation, May 4, 2020
Slide 1: Q1 financial results
BANCA TRANSILVANIA Q1 financial results May 4th 2020 Clasificare BT: Uz Intern
Slide 2: Disclaimer
|1 Disclaimer The information contained in the present document has not been independently verified and no representation or warranty expressed or implied is made as to, and no reliance should be placed on the fairness, accuracy, completeness or correctness of this information or opinions contained
Slide 3: Actions and impact COVID19
|2 Actions and impact COVID19 Clasificare BT: Uz Intern
Slide 4: Internal organization
|3 Internal organization Guideline - operational continuity 1 ▪ Identifying and prioritizing critical services for clients and collaborators, such as: payments systems, cards, treasury; ▪ Updating the continuity scenarios for a quick recovery; ▪ Ensuring access to protection materials for the full n
Slide 5: Internal Organization - network
|4 Internal Organization - network Strict working conditions in branches and agencies 1 ▪ Client distancing in accordance with the recommendations issued by authorities ▪ Ensuring protection gear and materials: disinfectants, masks, service counter’s separators ▪ Reducing the working hours (9-16) in
Slide 6: Measures taken for retail clients
|5 Measures taken for retail clients Ever since the onset of the state of emergency, the retail clients were ensured of BT support, via a set of certain measures. BT embraced rapidly the national measures, but also issued additional actions, specifically designed for the bank’s retail customer base
Slide 7: Measures taken for companies
|6 Measures taken for companies Most of the lending activities are now deployed towards the renegotiation of the loan agreements. The demand, although it has decreased significantly, will come from the essential sectors with growth potential and will contribute to the economic revival Lending produc
Slide 8: BT impact in the community, in Covid-19 context
|7 BT impact in the community, in Covid-19 context Over 1 million EUR is BT’s contribution for medical equipment and consumables that have been distributed to 35 hospitals in 25 localities in Romania. Clasificare BT: Uz Intern
Slide 9: Macro developments: real economy
|8 real economy Macro developments economic confidence indicator 130 120 110 The economy hit by the outbreak of the pandemics in Europe in 100 the second half of 1Q2020 90 Policymakers implemented several measures to counter the 80 impact of this unprecedented shock 70 60 Euroland Romania • The dete
Slide 10: Macro developments: real economy
|9 real economy Macro developments new confirmed cases (MA10) 400 350 The depreciation of the RON less severe compared 300 250 to the regional currencies 200 The risk perception recently stabilised, after the 150 100 deterioration in late February and March 50 0 • 60 days since the first case Romani
Slide 11: Banking sector dynamics: loans
| 10 loans Banking sector dynamics non-government loans (YoY) 30% Non-government loans (total) Non-government loans (RON) 20% Non-government loans (FX) Non-government loans up by 7.1% YoY on average during 1Q2020 10% 0% • The RON denominated loans advanced by 9.6% YoY, as the Sep-18 Sep-11 Sep-12 Se
Slide 12: Banking sector dynamics: deposits
| 11 deposits non-government deposits (YoY) Banking sector dynamics 25% Household Corporate Total 20% Non-government deposits continued to advance by 15% a higher pace, 11.3% YoY on average in 1Q2020 10% 5% 0% • The FX deposits up by 15.2%, due to the intensifying risk RON loans FCY loans -5% percep
Slide 13: BT performance in Q1 2020
| 12 BT performance in Q1 2020 INDIVIDUAL CONSOLIDATED profitability Q1 2020 Q1 2019 Q1 2020 Q1 2019 Net interest income, RONmn 660.1 668.8 -1.3% 737.8 753.0 -2.0% Net fee and commission income, RONmn 157.8 158.5 -0.5% 184.8 183.0 1.0% Operating expenses, RONmn (474.8) (428.5) 10.8% (535.5) (490.1)
Slide 14: Trends in income structure
| 13 Trends in income structure RONmn -1.3% -15.5% 669 660 408 -0.5% 345 -21.0% Q1 2019 Q1 2020 159 158 +10.8% 67 53 Net interest Net fee & Net trading Operating income commission income expenses Pre-provision income operating profit -429 -475 Clasificare BT: Uz Intern Banking sector dynamics Macro
Slide 15: Loan structure
| 14 Loan structure loans to households Mar/20 Dec/19 RON 23.0bn 2% Mar/20 RON 23.4bn loans to companies Mar/20 Dec/19 RON 18.2bn 3% Mar/20 RON 18.7bn * SMEs identified according to internal classification rules Clasificare BT: Uz Intern Banking sector dynamics Macro developments BT performance
Slide 16: Loan quality
| 15 Loan quality NPL (PAR90) ratio stable at 2.83% NPL coverage ratio 133% 127% 128% 128% 119% 117% 40% 49% 57% 47% 46% • Banca Transilvania continued to provide a sound 43% coverage ratio for its PAR 90 portfolio 79% 74% 78% 76% 80% 82% • NPL coverage, including collaterals, sits at a comfortable
Slide 17: Deposit structure
| 16 Deposit structure deposits from households Mar/20 Dec/19 RON 50.9bn 4% Mar/20 RON 52.9bn deposits from companies Mar/20 Dec/19 RON 23.5bn 3% Mar/20 RON 22.8bn * SMEs identified according to internal classification rules Clasificare BT: Uz Intern Banking sector dynamics Macro developments BT
Slide 18: Business lines / Retail banking
| 17 Business lines/ Retail banking Retail loan portfolio reached RON 23.4bn at the Retail loans, RONbn end of Q1 2020 23.0 23.4 21.2 2.9 • ~2,954,000 active clients 16.7 15.1 13.6 • ~23,400 non-card retail loans disbursed in Q1 2020 3.3 18.3 • ~4,1 mn active cards – with a market share of about 10.
Slide 19: Business lines / SME banking
| 18 Business lines/ SME banking SME (internal definition) loan portfolio at RON SME loans, RONbn 5.6bn 5.6 5.4 5.0 0.3 • ~311,000 active clients 4.3 3.2 3.1 0.3 • Banca Transilvania continued to support the SME 4.7 business sector, granting ~3,800 new loans in Q1 2020 2.8 2015 2016 2017 2018 2019 Q
Slide 20: Business lines / Corporate banking
| 19 Business lines/ Corporate banking Corporate loan portfolio remains stable around Corporate loans, RONbn RON 13.1bn 13.1 12.6 12.7 11.0 11.1 10.7 1.6 • ~10,300 active clients 0.9 • Sectorial specialization is a major focus 11.0 10.1 • Banca Transilvania is present with lending facilities especia
Slide 21: Banca Transilvania Financial Group as of 31/Mar/2020
| 20 Banca Transilvania Financial Group as of 31/Mar/2020 total assets RON 92.2bn BANCA TRANSILVANIA ® total assets RON 463mn total assets RON 1,162mn AUM RON 3,496mn total assets RON 224mn total assets RON 517mn total assets RON 3,734mn * Figures for subsidiaries assessed under RAS rules; Clasifica
Slide 22: ANNEX1 income statement, IFRS individual
| 21 ANNEX1 income statement, IFRS individual RONmn Q1 2020 Q1 2019 Net interest income 660.1 668.8 -1.3% Net fee and commission income 157.8 158.5 -0.5% Net trading income 53.0 67.0 -21.0% Other net income (51.6) (58.5) -11.8% Operating income 819.3 835.9 -2.0% Personnel expenses (257.9) (225.2) 14
Slide 23: ANNEX1 balance sheet, IFRS individual
| 22 ANNEX1 balance sheet, IFRS individual RONmn Mar/20 Dec/19 Cash & cash equivalents 12,680.9 13,480.2 -5.9% Placements with banks 11,219.3 6,995.3 60.4% Loans to customers, net 39,351.8 38,601.9 1.9% T-bills & securities 26,567.3 25,985.6 2.2% Fixed assets 763.7 777.4 -1.8% Right-of-use assets 38
Slide 24: ANNEX2 income statement, IFRS consolidated
| 23 ANNEX2 income statement, IFRS consolidated RONmn Q1 2020 Q1 2019 Net interest income 737.8 753.0 -2.0% Net fee and commission income 184.8 183.0 1.0% Net trading income 59.7 80.5 -25.7% Other net income (45.4) (27.7) 63.7% Operating income 937.0 988.8 -5.2% Personnel expenses (290.6) (253.7) 14
Slide 25: ANNEX2 balance sheet, IFRS consolidated
| 24 ANNEX2 balance sheet, IFRS consolidated RONmn Mar/20 Dec/19 Cash & cash equivalents 13,765.9 14,583.1 -5.6% Placements with banks 12,085.0 7,775.1 55.4% Loans to customers, net 41,118.4 40,353.8 1.9% T-bills & securities 27,327.6 26,781.7 2.0% Fixed assets 958.0 963.0 -0.5% Right-of-use assets
Slide 26: Banca Transilvania HQ
| 25 Banca Transilvania HQ 8, G. Baritiu Street, Cluj-Napoca 400027, Romania + 40 264 407 150 + 40 264 407 179 /FAX investor.relations@btrl.ro www.bancatransilvania.ro/en/investor-relations www.bancatransilvania.ro www.bt24.ro facebook.com/BancaTransilvania # twitter.com/b_Transilvania linkedin.com/