Banco Davivienda SA · BVC:PFDAVVNDA
Banco Davivienda SA — Q4 2015 Earnings Presentation
20 slides from Banco Davivienda SA's earnings presentation, Jul 1, 2021
Slide 1: Davivienda
& DAVIVIENDN
Slide 2: Earnings Presentation 4Q15 Consolidated Results
Earnings Presentation 4Q15 Consolidated Results
Slide 3: Disclaimer
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) (Durante la vigencia del Fourth Quarter Highlights contrato) Fourth Quarter 2015 Financial Results
Slide 5: Fourth Quarter Highlights
FOURTH QUARTER HIGHLIGHTS
Slide 6: Main Results
Fourth Quarter Highlights Main Results Net Income for 20151 totaled COP 1.2 trillion, 28.4% higher compared to 2014. ROAE2 at December 2015 reaches 15.3% from 13.9% in 4Q14. Efficiency3 ratio was 46.8%, 330 bps lower than 4Q14. Gross loan portfolio increased 24.1% compared to December 2014. In Colom
Slide 7: Retail Loans
Fourth Quarter Highlights Retail Loans Consolidated retail1 loans reached COP$30.0 trillion increasing 20.1% Consolidated mortgage loans portfolio grew 22.5% compared to the same period last year. Consolidated consumer portfolio reached COP$16.3 trillion, an increase of 18.1% compared to 4Q14. Payro
Slide 8: Commercial Loans
Fourth Quarter Highlights Commercial Loans Commercial loans(1) reached COP$34.1 trillion, increasing 27.9% compared with 4Q14. While Colombia grew by 22.2% compared with the same period. Corporate loans grew significantly in Colombia by 20.1%. The Constructor loans portfolio in Colombia closed in CO
Slide 9: International Subsidiaries Results
Fourth Quarter Highlights International Subsidiaries Results(1) Accumulated Net Income in International Subsidiaries reached US$77 million, with a growth in dollars of 14.4% and 63.7% in COP, compared with 2014. ROAE 10.8% Evolution2 4.5% Dec. 12 Dec. 13 Dec. 14 Dec. 15 Assets of our international s
Slide 10: Other Highlights
Fourth Quarter Highlights Other Highlights. On October, we securitized COP$124 billion worth of mortgages loans. On November were issued ordinary bonds for COP$600 billion in Colombia with a maturity of 2, 5 y 10 years. On December 2nd , the Superintendencia Financiera de Colombia approved the merge
Slide 11: Fourth Quarter 2015 Financial Results
FOURTH QUARTER 2015 Captación Promedio: Utilidad Neta Acumulada: $600,000 Dic-2014: $91,932 Utilidad Neta Real: $678,748 Jun-2015: $92,904 Colocación Promedio: Utilidad 113% Dic-2014: $19,683 Trazabilidad de crédito personas Jun-2015: $22,490 Margen Promedio Utilidad Captación: $7,510 (107%) Colocac
Slide 12: Assets
Consolidated Assets (COP Trillion) 4Q15 / 3Q15 4Q15 / 4Q14 Cash 2.9% 37.4% Investments, net 0.6% 10.7% Loans, net 4.5% 24.1% Other assets -2.9% 12.0% Assets (1) 3.5% 22.9% Assets Dec. 14 Sep 15 Dec. 15 4Q15 / 3Q15 4Q15 / 4Q14 Colombia 54.2 60.6 62.0 2.3% 14.4% International 15.0 21.4 22.8 6.8% 52.1%
Slide 13: Gross Loans
Consolidated Gross Loans (COP Trillion) 4Q15 / 3Q15 4Q15 / 4Q14 Mortgage 5.6% 22.5% Consumer 3.9% 18.1% Commercial (1) 4.2% 27.9% Gross Loans 4.4% 24.1% Gross Loans Dec. 14 Sep 15 Dec. 15 4Q15 / 3Q15 4Q15 / 4Q14 Colombia 41.4 47.0 49.0 4.3% 18.2% International 10.2 14.4 15.1 4.7% 47.9% International
Slide 14: Quality and Coverage (%)
Consolidated Quality and Coverage (%) Total Commercial(1) Consumer Mortgage Quality: Loans >90 days. Coverage: Allowances / Loans >90 days. 14
Slide 15: Funding Sources
Consolidated Funding Sources (COP Trillion) 4Q15 / 3Q15 4Q15 / 4Q14 Demand Deposits 4.4% 16.9% Term Deposits 3.6% 27.3% Bonds 3.2% 19.2% Credits 18.4% 60.2% Funding Sources 5.5% 24.4% Net Loan / Funding Sources 88.2% 88.8% 88.0% Funding Sources Dec. 14 Sep 15 Dec. 15 4Q15 / 3Q15 4Q15 / 4Q14 Colombia
Slide 16: Capital Structure
Consolidated Capital Structure Solvency 9.0% Equity (trillion) 4.5% A/A: 17.0% T/T: 5.0% Tier I Tier II Mínimo Regulatorio * Solvency ratio projected. 16
Slide 17: Financial Margin, Net
Consolidated Financial Margin, Net (COP Billion) QUARTER ACCUMULATED NIM(1) Sep. 15 Dec. 15 6.5% 6.5% 4Q15 4Q15 / 3Q15 4Q15 / 4Q14 Dec. 15 Dec 15 / Dec 14 $ (%) (%) $ (%) 1,650 7.4 26.7 Loan Income 6,066 25.5 131 56.0 26.8 Investment Income, Overnight 464 13.6 1,781 9.9 26.7 Financial Income 6,531 2
Slide 18: Expenses
Consolidated Expenses (COP Billion) QUARTER ACCUMULATED Efficiency(1) Sep. 15 Dec. 15 48.3% 46.8% 4Q15 4T15 / 3T15 4T15 / 4T14 Dec. 15 Dec 15 / Dec 14 $ (%) (%) $ (%) 296 11.3 15.9 Personnel Expenses 1,110 18.0 317 27.2 3.6 Operational Expenses 1,075 8.3 99 18.0 30.4 Other Expenses(2) 339 26.3 712 1
Slide 19: Net Income
Consolidated Net Income (COP Billion) QUARTER ACCUMULATED Dec. 14 Dec. 15 (Accm) (Acm) ROAE(2) 13.7% 15.3% ROAA(3) 1.54% 1.59% 4T15 4Q15 / 3Q15 4Q15 / 4Q14 Dec. 15 Dec 15 / Dec 14 $ % % $ % 843 10.5 10.8 Financial Margin, Net 3,117 10.2 269 9.7 22.5 Operative Income 988 9.7 -712 18.9 11.7 Operative
Slide 20: Thank You!
Thank You! atencionainversionistas@davivienda.com +57 1 2203495