Qualitas Controladora S.a.b. De C.v. · BMV:Q
Qualitas Controladora S.a.b. De C.v — Qualitas Controladra Sab — Q4 2022 Earnings Presentation
9 slides from Qualitas Controladora S.a.b. De C.v's earnings presentation, Jan 26, 2023
Slide 1: Earnings results Webcast, 4th quarter and full year 2022
Earnings results Webcast 4th quarter and full year 2022 January 27th, 2023
Slide 2: Embracing change while maintaining our core
Embracing change while maintaining our core Reasons to be proud of Inflation + 4.8 million insured units Supply chains restrictions +10% top-line growth 2022 New mobility trends Hawkish monetary policies +29 new offices, 551 in total Technology and digitalization Vertical integration, becoming a com
Slide 3: Executing on our strategy
Executing on our strategy Strengthen our leadership Accelerate profitable growth New business opportunities in Mexico in subsidiaries within insurance ecosystem
Slide 4: LATAM & agents; key drivers of growth
LATAM & agents; key drivers of growth Written premiums Business line 4Q22 2022 42,036 38,224 35,947 10,672 10,601 12,424 Individual → +20.5% +16.0% 17.2% 10.0% Fleets → +15.7% +12.4% 4Q20 4Q21 4Q22 2020 2021 2022 Financial Earned premiums → +23.2% +1.7% Institutions 39,969 36,779 36,067 10,724 Q LAT
Slide 5: Navigating complex dynamics in the USA
Navigating complex dynamics in the USA Q International USA PERU COSTA RICA EL SALVADOR 8.1%* 5.0%* 1.0%* 1.6%* 0.6%* %∆USD %∆USD %∆USD %∆USD %∆USD 7.4% (0.7%) 12.0% 26.4% 37.0% LATAM: 3.2%* %∆USD 23.3% USA revised strategy Strengthen our Reengineer our organization claims processes Refocus on the cr
Slide 6: Expected worldwide cycle; Mexican performance above peers
Expected worldwide cycle; Mexican performance above peers 4Q22 70.5% 76.0% 2022 68.5% 70.5% LOSS RATIO 4Q21 68.5% 70.0% 2021 63.3% 65.0% 4Q22 91.7% 98.5% 2022 93.8% 96.4% COMBINED RATIO 4Q21 92.3% 93.4% 2021 90.3% 91.7% Q Mx QC Comprehensive financial income Net income 1,423 ROI 2,209 11.1% 7.7% 3.1
Slide 7: 2023 - Right actions in place, strong future ahead
2023 - Right actions in place, strong future ahead ROE ROI Acquisition 2023 Loss ratio ratio Top line Recovery top and Following bottom-line closer to At the high end reference our ~20% ROE High single to Gradually of our historical rates objective low double-digit improving, still average growth ab
Slide 8: Capital allocation
Capital allocation Fuelling growth of Potential international operation M&As Colombia Q Salud Share buyback fund Cash dividend payment Daily average volume of 40%-90% Net income ‘22 +$5.4 M usd
Slide 9: Analysts & IR contacts
Analysts & IR contacts Analyst: Analyst: Analyst: Analyst: Analyst: Gilberto García Rodrigo Ortega Thiago Paura Ernesto Gabilondo Jorge Gordillo E-mail: E-mail: E-mail: E-mail: E-mail: gilberto.garcia@barclays.com r.ortega@bbva.com thiago.paura@btgpactual.com ernesto.gabilondo@baml.com jgordillo@cib
Qualitas Controladra Sab — Q4 2022 Earnings Presentation on 6ix