Patria Bank SA · BVB:PBK

Patria Bank SA — Investor Presentation (July 2017)

18 slides from Patria Bank SA's investor presentation, Jul 13, 2017

  1. Slide 1: Stepping forward to a stronger Bank

    = PATRIA BANK A+0.12% Stepping forwardto — a: a stronger Bank Investors meeting 13th of July, 2017 www.patriabank.ro

  2. Slide 2: Content: Today's highlights

    CONTENT 1 Today’s highlights 2

  3. Slide 3: Who we were and who we became

    Who we were and who we became BCD Romexterra Acquired by Rebranded Acquired by Rebranded (Targu Mures) EEAF (private equity fund) 1993 2006 2012 2014 2016 2017 01.05.2017 13.07.2017 Continues to be listed on BSE – Premium Category 1999 2004 2005 2016 Banca Listed on the Listed on the Acquired by Com

  4. Slide 4: Implementing the merger

    Implementing the merger Majority stake Market (76%) owned by Share Capital Capitalisation EEAF Financial RON 376 mio RON 380 mio. Services BV • New strategy and identity • New web-site with detailed July 5th 2017 May 1st 2017 July 13rd 2017 information for investors & Registration of shareholders Ef

  5. Slide 5: Developments during the last 7 months

    Developments during the last 7 months Steps to an effective turnaround… …and what progress we have made in this respect PBK (former Patria Bank) Significant pre-merger Cost-cutting  Major cost cutting program started in 2014 and finalized in 2015, reducing OPEX by -25% in 2015 vs.2014 (.xcl OPEX fr

  6. Slide 6: Rebranding and communication milestones - 2017

    Rebranding and communication milestones - 2017 Merger communication  Customer communication: guides, notifications letters, on-line dedicated website  Merger communication campaign  Change of BCC logo and emphasize on the Patria Group membership Rebranding branches  focus of communication and in

  7. Slide 7: 2016 – a DUAL story, preparing for the Merger

    2016 – a DUAL story, preparing for the Merger Patria Bank Banca Carpatica turnaround finalized, 2016 first year of growth fully restructured to date, 2016 the year of turnaround and cleanup 100 mio Eur new loans/year -24% OPEX annualized Q4 2016 vs.2015 - major cost cutting finalized implemented thr

  8. Slide 8: 2017 – the year of finalizing cleanup and turnaround at consolidated level

    2017 – the year of finalizing cleanup and turnaround at consolidated level Investor’s meeting 2016 Audited and Nov.2016 2017 draft Budget Forecast Nov. 2016 Draft Buget 2017 2016 Audited Results* 2016 2017 2016 2017 +4.4 m Eur better performance (net result) than Consolidated Merged Consolidated Mer

  9. Slide 9: Completing turnaround through merger

    Completing turnaround through merger OPEX of the Merged Bank will be only +12% higher than that of BCC in 2015 (before cost-cutting measures implemented)  2016 – cost cutting program in BCC started only in 2nd cost July 2016, and continued in 1H of 2017 cutting Merger program (BCC, synergies  2017

  10. Slide 10: Content: Profitable growth

    CONTENT 2 Profitable growth 10

  11. Slide 11: Strategic approach to growth perspectives

    Strategic approach to growth perspectives Organic Growth Acquisition Opportunities Classic Model  85 full bank Branches • Distressed Banks 3rd party distribution model Reach 2% • Lines of business (Alternative Distribution Channels & Partnerships) market share • Performing portfolios in 4 years Str

  12. Slide 12: Growth prerequisites

    Growth prerequisites Economic environment favorable to growth… …and Proven platform for growth Financial services penetration - lowest in EU  50% of population have no bank account  45% lives in rural areas with lower banking infrastructure 59% banking assets/GDP PBK strong salesforce already in p

  13. Slide 13: Strategic objectives for 3 years post-merger

    Strategic objectives for 3 years post-merger – strong profitable growth Strategic objectives for 3 years post-merger  2018 expected return to profitability  x2 times increase in productive assets in 3 years (net loans CAGR +28% 2016-2019), including potential performing portfolio acquisitions - op

  14. Slide 14: Next steps

    Next steps  Growth remains the key objective in the coming years and is expected to be achieved through: Share Capital Reduction  Relaunch and further growth of the commercial activity (especially strong lending activity) and intensifying recovery of non-performing loans, we expect to drive profit

  15. Slide 15: Content: Q&A

    CONTENT 3 Q&A 15

  16. Slide 16: Questions & Answers

    Questions & Answers 2017 Active Interest (budget) – 7.5% 2017 Actual LCR (liquidity rate) (May 2017) – 492% Tier 1 own funds (CET 1) May 2017 – 12.10% 16

  17. Slide 17: Disclaimer

    Disclaimer: The contents of this Presentation will not be interpreted or considered as a financial or fiscal opinion and any potential investor may wish to use competent assistance from their legal and business advisers or from any other domain, for a relevant consultancy. This Presentation does not

  18. Slide 18: Contact details

    2% PATRIA BANK Contact details: capital@patriabank.ro 00 40 269 803 771 www.patriabank.ro

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