Banco Davivienda SA · BVC:PFDAVVNDA

Banco Davivienda SA — Q2 2011 Earnings Presentation

23 slides from Banco Davivienda SA's earnings presentation, August 2011

  1. Slide 1: Results II Quarter 2011

    D/WIMIC NON Results Il Quarter 2011 DIWIMIENDAN

  2. Slide 2: Table of Contents

    Table of Contents Important Events of the quarter Consolidated Results Summary Net income Assets Loans Deposits and Bonds Equity and Solvency Financial Margin Commissions and fees Expenses Consolidated Financial Statements

  3. Slide 3: Important Facts of the Quarter

    Important Facts of the Quarter

  4. Slide 4: DaviPlata

    DaviPlata is a new financial service, easy and secure use of electronic cash for all Colombians. Register from the user’s mobile phone in any place of the country, no paperwork or cost. Financial inclusion solution. More than 400 thousand* clients. 44,1% are new clients of the bank. 300,000 transact

  5. Slide 5: Placement of Bonds

    Placement of Bonds In March 2011 we realized the first offering of bonds from a 3- year program which total 3 billion pesos. Amount: $600,000 millions Bid to cover: 1.55 On August 2011 we completed the second issue of bonds Amount: $500,000 millions Bid to cover: 2.9

  6. Slide 6: Expofamilia

    Expofamilia In its second version we maintained the spirit of family. We approved more than 8,200 loans Approved loans increased from the previous year: 53%

  7. Slide 7: Consolidated results

    s= st Consolidated al results 2 DAVIVIENDA AQUI LO TIENE TODO:

  8. Slide 8: Summary

    Summary Accumulated net income for the second quarter grew 4.5% over the same period of 2010, reaching $ 298,000 million. Net loans closed at $ 23.1 billion and a growth of 5.6% compared to 1Q 2011. Loans quality by height stood at 1.72% while the coverage reached 152.41%. Deposits reached $24.6 bil

  9. Slide 9: Net income

    Report II Quarter 2011 Net income Acumulated net income 4.5% 297.9 285.2 Jan-Jun 10 Jan-Jun 11 ROAE (12 months) ROAA (12 months) DAVIVIENDA SYSTEM* DAVIVIENDA* DAVIVIENDA SYSTEM* DAVIVIENDA* Jan-Jun 11 16.3% 16.3% 16.2% 1.92% 2.00% 1.96% Jan-Jun 10 18.5% 17.8% 17.7% 1.91% 1.88% 1.90% Data in Thousan

  10. Slide 10: Assets

    Report II Quarter 2011 Assets 20.8 % 32.8 32.3 1.5% 27.2 Jun 10 Mar 11 Jun 11 Jun 2010 Davivienda Jun 2011 Davivienda* Jun 2011 System* 17% 17% 14% 34% 36% 38% 15% 13% 21% 10% 11% 8% 23% 24% 19% Commercial loans Consumer loans Mortgage Investments Other Data in COP billions *individual Source: SFC

  11. Slide 11: Loans

    Report II Quarter 2011 23.3% Loans 19.8 23.1 3.5 24.4 3.8 3.5 5.7% 8.4 Mortgages 6.7 8.0 Consumer Commercial 9.5 11.6 12.2 Jun 10 Mar 11 Jun 11 Jun 2010 Davivienda Jun 2011 Davivienda* Jun 2011 System* 17.9% 15.6% 7.9% 48.1% 49.8% 29.2% 63.0% 34.6% 34.0% Commercial Consumer Mortgages Data in COP bil

  12. Slide 12: Loans Growth, quality and coverage

    Report II Quarter 2011 Loans Growth, quality and coverage Total (%) Consumer (%) Commercial (%) Mortgage (%) Jun 10 Jun 11 Jun 10 Jun 11 Jun 10 Jun 11 Jun 10 Jun 11 Quality 2.0 1.7 3.2 3.0 1.3 0.9 1.9 1.7 Coverage 141.9 152.4 112.0 118.9 190.6 213.6 182.5 194.6 Growth 17.6% 23.3% 23.1% 25.6% 9.5% 27

  13. Slide 13: Deposits & Bonds

    Report II Quarter 2011 16.5% 24.7 Deposits 21.2 24.7 3.5 & Bonds 2.8 3.5 3.1 3.1 2.8 6.5 Bonds 6.9 7.2 Checking Account Time Deposit Savings Account 8.6 10.7 11.4 Jun 10 Mar 11 Jun 11 Jun 2010 Davivienda Jun 2011 Davivienda* Jun 2011 System* 13.1% 14.1% 9.8% 15.7% 0.6% 32.7% 0.7% 26.5% 2.9% 27.9% 40

  14. Slide 14: Equity and Solvency

    Report II Quarter 2011 Growth Equity Solvency 31% 12.85% 12.76% 12.34% 5% 3.8 2.87% 2.84% 4.03% 3.7 2.9 8.78% 9.89% 9.50% Jun-10 Mar-11 Jun-11 Jun 10 Mar 11 Jun 11 Tier 1 Tier 2 June 10 March 11 June 11 Weighted assets by risk level 22.4 26.9 28.2 Data in COP billion

  15. Slide 15: Financial Margin

    Report II Quarter 2011 Financial Margin Quarter Acumulated 398 382 4.04% 815 113.1 73.5 -35% 12.9% 132 -1.4% 722 134 589.4 704.7 19.6% 1,355 1,170 15.9% -175.5 -208.7 18.9% -370 -392 6% -140.3 -171.7 22.4% -208 -280 34.5% 2Q10 2Q11 Ene-Jun 10 Ene-Jun 11 Provisions Total expenses Loans income Investm

  16. Slide 16: Commissions & Fees Income

    Report II Quarter 2011 Commissions & Fees Income Quarter Commissions Quarter Acumulated and Fees 12.9% 353 5% 20.9% 12% 166 6% 50% 313 137 26% 2Q10 2Q11 Jan-Jun 10 Jun-Jun 11 Retail Banking loans Retail Banking Uptake Jan - Jun 10 Jan - Jun 11 S&ME Corporate Commissions and fees / Total income 22.5%

  17. Slide 17: Expenses

    Report II Quarter 2011 Expenses Quarter Acumulated 409.5 789.2 364.3 12.4% 0.7 693.4 1.1 68.8% 13.8% 0.0 34.6 67.1 0.3 33.0% 20.5 50.4 12.3% 149.3 295.5 132.9 255 15.9% 0.3% 166.9 167.5 301.7 318.4 5.5% 57.5 30.6% 85.9 107.1 24.7% 44 2Q10 2Q11 Jan-Jun 10 Jan-Jun 11 Amortization and Depreciation Oper

  18. Slide 18: Consolidated Financial Statements

    Consolidated Financial Statements

  19. Slide 19: Main Figures

    Main Figures BANCO DAVIVIENDA S.A & SUBORDINATES MAIN FIGURES CONSOLIDATED 2Q11-1Q11(COP THOUSANDS OF MILLIONS) Net income Acum Net Enterprise Assets Liabilities Equity 2Q11 income Banco Davivienda S.A. (*) 31,498 27,666 3,833 120 300 Bancafé Panamá S.A. - 99.9% 1,120 963 157 5 9 Confinanciera S.A.

  20. Slide 20: Banco Davivienda Consolidated Assets

    Banco Davivienda Consolidated Davivienda & Subordinates Assets Jun10 Mar 11 Jun 11 Jun/ Mar 11 Jun 11/ Jun 10 Available 1,662 2,952 2,550 -13.6% 53.4% Investments 4,045 4,516 4,133 -8.5% 2.2% Loans 18,627 21,882 23,108 5.6% 24.1% Commercial 9,517 11,638 12,157 4.5% 27.7% Consumer 6,730 7,955 8,450 6

  21. Slide 21: Consolidated Davivienda & Subordinates Liabilities & Equity

    Consolidated Davivienda & Subordinates Liabilities & Equity Jun 10 Mar 11 Jun 11 Jun 11/ Mar 11 Jun 11/10 Deposits 18,423 21,178 21,193 0.1% 15.0% Savings accounts 8,563 10,711 11,367 6.1% 32.7% Checking accounts 2,810 3,096 3,112 0.5% 10.7% Time deposits 6,926 7,160 6,546 -8.6% -5.5% Bonds 2,774 3,

  22. Slide 22: Consolidated income statement as of June 2011

    Consolidated Davivienda & Subordinates Consolidated income statement as of June 2011 2Q10 1Q11 2Q11 2Q11/1Q11 2Q11/2Q10 ACUM. 2Q10 ACUM. 2Q11 ACUM 11/ Total income 703 709 778 9.7% 10.7% 1,304 1,488 ACUM 14.1%10 Loans income 589 651 704 8.1% 19.5% 1,170 1,355 15.8% Commercial 192 203 222 9.4% 15.6%

  23. Slide 23: Thank you for your attention!

    ¡Thank you for your attention!

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