Banco Davivienda SA · BVC:PFDAVVNDA
Banco Davivienda SA — Davivienda — Q1 2016 Earnings Presentation
19 slides from Banco Davivienda SA's earnings presentation, Jul 1, 2021
Slide 1: Davivienda
& DAVIVIENDN
Slide 2: Earnings Presentation 1Q16 Consolidated Results
Earnings Presentation 1Q16 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 Único Banco dentro del recinto con Agencia (Oficina de servicio) First Quarter Highlights (Durante la vigencia del contrato) First Quarter 2016 Financial Results
Slide 5: First Quarter Highlights
FIRST — QUARTER HIGHLIGHTS
Slide 6: Main Results
First Quarter Highlights Main Results Net Income increased 13.4% compared to the same period last year. The net interest margin index grew 15 basis points compared to December 2015. ROAE1 at March 2015 reaches 15.4%, in line with the end of 2015. Efficiency2 ratio was 45,7%, improving 326 bps compar
Slide 7: Retail Loans
First Quarter Highlights Retail Loans Retail loans1 reached COP$30.7 trillion increasing 17.0% compared to 1Q15. Mortgage loans portfolio grew 19.3% compared to the same period last year. Consolidated consumer portfolio reached COP$16.5 trillion, an increase of 15.0% compared to 1Q15. Unsecured pers
Slide 8: Commercial Loans
First Quarter Highlights Commercial Loans Commercial loans reached COP$35.6 trillion, increasing 27.0% compared to 1Q15. While Colombia grew by 26.5% compared to the same period 2015. The contribution of Leasing Bolívar on the annual growth of the commercial loans was 4.1%. Corporate loans grew sign
Slide 9: Other Highlights
First Quarter Highlights Other Highlights On January 4, 2016, Davivienda merged with Leasing Bolívar. By the end of 2015, the Company had COP$1.2 trillion in assets, COP$1.1 trillion in loan portfolio and liabilities of COP$1.1 trillion. On March 10, the General Shareholders’ Meeting approved the pa
Slide 10: First Quarter Financial Results 2016
FIRST QUARTER Financial Results 2016
Slide 11: Assets
Consolidated Assets (COP Trillion) 1Q16/4Q15 1Q16/1Q15 Cash 14.6% 21.7% Investments, net 0.1% 1.9% Loans, net 3.0% 21.8% Other assets 4.6% 15.8% Assets (1) 3.9% 19.1% Assets Mar 15 Dec 15 Mar 16 1Q16 / 4Q15 1Q16 / 1Q15 Colombia 56.9 62.0 65.5 5.6% 14.9% International 17.1 22.8 22.6 -1.0% 31.7% (1) 6
Slide 12: Gross Loans
Consolidated Gross Loans (COP Trillion) 1Q16/4Q15 1Q16/1Q15 Mortgage 3.0% 19.3% Consumer 1.2% 15.0% Commercial (1) 4.5% 27.0% Gross Loans 3.3% 22.1% Gross Loans Mar 15 Dec 15 Mar 16 1Q16 / 4Q15 1Q16 / 1Q15 Colombia 42.8 49.0 51.5 5.2% 20.4% International 11.4 15.1 14.7 -2.6% 28.8% International USD$
Slide 13: Quality and Coverage (%)
Consolidated Quality and Coverage (%) Total Commercial(1) Consumer Mortgage 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) 1Q16/4Q15 1Q16/1Q15 Demand Deposits 3.2% 11.3% Term Deposits 9.2% 32.0% Bonds -4.0% 10.7% Credits -1.3% 38.3% Funding Sources 3.4% 19.8% Net Loan / Funding Sources 86.2% 88.0% 87.6% Funding Sources Mar 15 Dec 15 Mar 16 1Q16 / 4Q15 1Q16 / 1Q15 Colombia 46.7
Slide 15: Capital Structure
Consolidated Capital Structure Solvency Equity (trillion) Y/Y: 16.1% Q/Q: -0.1% Tier I Tier II Minimum Required * Proforma solvency level. 15
Slide 16: Financial Margin, Net
Consolidated Financial Margin, Net (COP Billion) QUARTER 1Q16 1Q16/4Q15 1Q16/1Q15 $ (%) (%) Loan Income 1,903 15.0 35.6 Investment Income, Overnight 257 97.0 65.4 Financial Income 2,160 21.0 38.5 Financial Expenses (785) 21.0 56.7 Allowances (445) 54.1 76.2 Financial Margin, net 931 9.8 15.5 1Q15 4Q
Slide 17: Expenses
Consolidated Expenses (COP Billion) QUARTER 1Q16 1Q16/4Q15 1Q16/1Q15 $ (%) (%) Personnel Expenses 310 6,9 19,9 Operational Expenses 271 -14,4 14,6 (1) Other Expenses 96 -2,5 19,2 Total Expenses 678 -4,0 17,6 1Q15 4Q15 1Q16 Expenses 1Q15 4Q15 1Q16 1Q16 / 4Q15 1Q16 / 1Q15 Efficiency(2) Colombia 429 52
Slide 18: Net Income
Consolidated Net Income (COP Billion) QUARTER Dic. 15 Mar. 16 ROAE(1) 15.3% 15.4% ROAA(2) 1.53% 1.58% 1Q16 1Q16 / 4Q15 1Q16 / 1Q15 $ % % Financial Margin, Net 931 9.8 15.5 Operative Income 271 0.7 14.2 Operative Expenses (678) -4.0 17.6 FX Changes, Derivates and Others 66 1,292.3 3.7 Income before T
Slide 19: Thank You!
Thank You! atencionainversionistas@davivienda.com +57 1 2203495