Banco Davivienda SA · BVC:PFDAVVNDA
Banco Davivienda SA — Q4 2019 Earnings Presentation
17 slides from Banco Davivienda SA's earnings presentation, Jul 1, 2021
Slide 1: Consolidated Financial Results 4Q19
Consolidated Financial Results 4Q19
Slide 2: Opción título o tema
The information hereby presented is exclusively for informative and illustrative purposes, and it is not, nor does it pretend to be, a source for legal or financial assessment of any kind. Both the financial assessments and forecasts presented herein are based on information and calculations carried o
Slide 3: Macroeconomic Fundamentals Colombia
Macroeconomic Fundamentals Colombia GDP (Y/Y) Davivienda’s Confidence Index1 Source: Banco Davivienda Exchange Rate and Oil Prices Tax Revenue 1. Has your level of confidence about the country’s economic situation increased, remained the same or decreased?
Slide 4: Macroeconomic Fundamentals Central America
Aspectos Macroeconómicos Centroamérica Macroeconomic Fundamentals Central America GDP (Y/Y) Inflation (Y/Y) Exchange Rate Monetary Policy Rate
Slide 5: Main Results 4Q19
Main Results 4Q19 [Acum: $1,48 Tn | Quarter: $385 Bn NIM 6.52% Y/Y Acum: 6.1% | Y/Y Quarter: 2.7% Y/Y: +2bps Q/Q: -3bps ROAE: 12.4% Cost-to- 46.2% Y/Y:-48bps Q/Q:-28bps Income Y/Y: -25 bps $97.4 Trillion Capital rot Y/Y: -32 bps ; Adequacy Y/Y:10.9% Q/Q:0.4% Ratios Tier I: 7.99% Y/Y: +1 bp Relevant
Slide 6: Strategic Goals
Strategic Goals Leader Personal Banking Consolidated Portfolio +52 tn Balance Consumer 15.1% vv: +190 Mkt. Share? COL bps Benchmark & Wealth Management AUM Mkt. Share t) +61.7 tn Balance 12.6% Y/Y: +15% A/A: +83 bps DAVIVIENDA a Dove Nets mmm Corredores® — DAVIVIENDA, International +346K customers.
Slide 7: Digital Transformation - Customers and Products
Digital Transformation - Customers and Products No. of Customers Total Deposits3 Y/Y 295% Consolidated¹ Colombia Digital 11.9 M 10.8 M 78% Y/Y: 30% 106% Central America 74% 1.2 M 36% Digital - Y/Y: 30% Y/Y: 24% Total Loans4 Y/Y 389% 246% Total Customers² 6.1 M Y/Y: 29% SIM APP Weight in the consumer
Slide 8: Digital Transformation - Channels
Transformación Digital TransformationDigital - Canales - Channels Product Sales1 Transactional Mix1 (Millions of products) (MIllions of monetary transactions) Traditional Channels Digital Channels Branch Digital ATM POS Other Branches Evolution2 - 10% 1. Accumulated figures of Colombian operation 201
Slide 9: Balance Sheet - Assets
Activo Balance Sheet - Assets
Slide 10: Balance Sheet - Gross Loans
Balance Sheet - Gross Loans $97.0 $97.4 $87.8 4Q19/3Q19 4Q19/4Q18 Mortgage 2.1% 10.9% 26.6 Consumer 8.1% 29.1% Commercial -4.7% 1.8% = Gross Loans 0.4% 10.9% Dec.18 Sep.19 Dec.19 Gross Loans Dec. 18 Sep.19 Dec.19 4Q19/3Q19 4Q19/4Q18 Colombia 69.6 76.8 77.8 1.3% 11.9% . COP 18.2 20.2 19.6 -2.9% 7.2%
Slide 11: Balance Sheet - PDL and Coverage (%)
Balance Sheet - PDL and Coverage (%)
Slide 12: Balance Sheet - Funding Sources
Balance Sheet - Funding Sources
Slide 13: Balance Sheet - Capital Structure
Balance Sheet - Capital Structure Capital Adequacy Ratios Equity (COP Trillion) Dec.19/Dec.18 10.9% Dec.19/Sep.19 2.2%
Slide 14: P&L - Financial Margin
P&L - Financial Margin QUARTER ACCUMULATED 4,259 1,011 ie Ratio Sep.19 Dec.19 3,877 NIM + 6.55% 6.52% Cost of Risk? 2.45% 2.50% 4Q18 3Q19 4Qi9 Dec.18 Dec.19 4Q19$ 4Q19/3Q19% 4Q19/4Q18 % Dec.19 $ Dec.19/Dec.18 % 2,548 2.2 12.2 Loan Income 9,795 10.5 203 -9.0 23.0 Investment Income + Interbank 931 43.
Slide 15: P&L - Expenses
P&L - Expenses QUARTER ACCUMULATED $1,037 Dec.18 Sep.19 Dec.19 $3,730 $919 $933 Cost-to- $3,414 Ost TO" 46.5% 45.8% 46.2% Income 4Q18 3Q19 4q19 Dec.18 Dec.19 4Q19$ 4Q19/3Q19 % 4Q19/4Q18 % Dec.19 $ Dec.19/Dec.18 % 417 11.5 19.1 Personnel Expenses 1,544 7.3 621 11.0 9.1 Operating Expenses and Others?
Slide 16: P&L - Net Income
P&L - Net Income QUARTER ACCUMULATED Dec.18 Sep.19 Dec.19 ROAE! 12.9% 12.7% 12.4% 2 ROAA 1.35% 1.31% 1.27% aaa 1,484 4Q18 3Q19 4q19 Dec.18 Dec.19 4Q19$ 4Q19/3Q19% 4Q19/4Q18% Dec.19 $ Dec.19/Dec.18 % 1,132 11.4 12.0 Net Financial Margin 4,259 9.9 348 5.4 10.6 Operating Income 1,331 6.1 1,037 11.2 12.
Slide 17: Investor relations contact
ir@davivienda.com > + (57 1) 220 3495 il www.davivienda.com Bogota - Colombia MEMBER OF Listed to mnt Jones If Sustainability Indices In Collaboration with RobecoSAM «@