Brb Banco De Brasilia Sa · BMFBOVESPA:BSLI3
Brb Banco De Brasilia Sa — BRB - Banco de Brasília — Q2 2023 Earnings Presentation
23 slides from Brb Banco De Brasilia Sa's earnings presentation, Sep 18, 2023
Slide 1: Results 2nd quarter of 2023
Brasilia, September 18, 2023 Results 2nd quarter of 2023 Dario Oswaldo Garcia Júnior Paulo Henrique Costa Carlos Alberto Moreira Júnior Alexandra Braga Emerson Rizza Mário Ferreira Neto BRB Seguros President
Slide 2: Overview
Results 2Q23 Overview More comprehensive and Government services complete BRB, available to other public combining results and entities: social impact Pix Judicial, Mobility, Na Hora, Social Cards Economic horizon with a Strengthening the BRB positive outlook Environment,complete portfolio of financ
Slide 3: Our Numbers
Results 2Q23 Our Numbers 2Q23 vs. 2Q22 Recurrent Net Profit Total Assets Loan Portfolio R$ 93 million 21.3% R$ 45.4 billion 21.2% R$ 33.230.5% billion Commissions and Total Funding Default Fees Revenue R$ 40.7billion 1.92% R$ 73 million 26.0 0.24 p.p. 10.1% % Financial Intermediation Revenue C.A.R R
Slide 4: 2Q23 Customers and Channels
Results 2Q23 2Q23 Customers and Channels 2Q23 (thousand) 3,242 2,873 Digital Individuals 7.3 million 43 1,000 customers Legal entity Others 30.01% 49% 3% Customer 6.7 7.3 7.0 base 5.5 6.5 (million) Transactions 95% 4% 1% per Channel Internet + Mobile + Self-Service Branchless Banking Brick-and- Mort
Slide 5: Relationships Expansion
Results 2Q23 Relationships Expansion Brick-and-Mortar Branches Business Physical Expansion Presence in1 22 new payroll deductable 1 States + Federal District A phygital Bank with agreements, totaling 530 active concept-stores Investing and monetizing customer 5 more agencies remodeled into an relati
Slide 6: Innovation and Technology
Results 2Q23 Innovation and Technology Solutions that accelerate the Bank’s expansion Phygital expansion with Digital and prospecting strategy safety Operation in Silicon Valley with Innovative digital ecosystem driving society's development of the BRB Super-App ideas and absorbing start-ups in bank
Slide 7: Strategic Projects and Partnerships
Results 1Q23 Strategic Projects and Partnerships Expansion of BRB Higher reach in the Lucky Project phygital presence state of São Paulo Exclusivity provided by New products in law for the operation of Active and loyal the App new local lotteries customer base Development of new revenue sources Reso
Slide 8: BRBFLA Nation
Results 2Q23 BRBFLA Nation Football has the largest audience in the world Flamengo has the largest fan base of Brazil New phase: Negotiations with potential new partners to make the business even more profitable 17% 6% Loyal clientele like the team fans Highlights 3.5 3.2 3.3 3.0 3.1 1.3 million Pre
Slide 9: Insurance
Results 2Q23 Insurance BRB Investiments Platform Issuance of R$ 234.8 million in insurance premiuns 23.9% (2Q23 x 1Q23) 2Q23 x 1Q23 Business partnerships consolidation R$ 748 million AuC at 2Q23 43% • Life • Residential + 26.9 mil Accounts 1% • Payment Protection • Housing • Card Protection + 19% Fi
Slide 10: Corporate Reorganization
Corporate Reorganization Phase 1 – Share Exchange Phase 2 – Subsidiary GDF uses BRB shares to Integral The Bank buys BRBCARD shares acquire BRBCARD shares from GDF, becoming the company's held by AEBRB entire capital holder Phase 4 – Conclusion Phase 3 – Horizontalization With the next stages of the
Slide 11: Payment Methods
Results 2Q23 Payment Methods Partnership with CASACOR and launch of Dux with special benefits for the event Exclusive BRB parking at Brasília airport Access to VIP lounges and BRB coworking spaces at Congonhas and Santos Dumont airports Cards with unique experiences BRB Card benefits Themed cards Di
Slide 12: ESG - Social Programs
Results 2Q23 ESG Federal District Government Civil Servants’ Health Insurance Impacting thousands of lives Accumulated data since 2019 > 4.6 million 38 k +82 k R$ 1.3 billion + de 394 k Tests made Hospitalizations coverage in paid benefits since 2019 reached beneficiaries 760 k 138 k R$ 80 mm R$ 77
Slide 13: Public Areas Management and Racetrack
Results 2Q23 Public Areas Management Racetrack The Bank of great events Business strategy to reinsert the city into the international show route, in Revitalization and reactivation of the addition to sponsoring events such as Campus Party Brasília and Brasilia International Racetrack CASACOR, streng
Slide 14: Credit Portfolio
Results 2Q23 Credit Portfolio +60,6% +44,8% +44.3% +20.2% Pessoa Jurídica Imobiliário Rural and Payroll Agribusiness Deductable 2Q23 x 2Q22 Credit Origination * 16.7% 2,786 2,863 2,454 2,453 Rural ; Rural ; Rural ; 2,308 2Q23; 258 Rural ; 4Q22; 162 Rural ; 2Q22; 193 3Q22; 211 Mortgage ; 1Q23; 78 ; M
Slide 15: Rural, Agribusiness, Mortgage and Individual Financing
Results 2Q23 Rural and Agribusiness Individual Mortgage Financing R$ 18.4 billion R$ 7.9 billion R$ 885 million Portfolio balance | 2Q23 Portfolio balance | 2Q23 Portfolio balance | 2Q23 R$ 3.0 billion R$ 2.0 billion 1st place originated credit | 1S23 General Federal District, Pronaf, and Pronamp po
Slide 16: Loan Portfolio Quality
Results 2Q23 Loan Portfolio Quality Default by Portfolio Default Coverage Legal Entity; Leg… Legal Entity; Conglomera Conglomera 4Q22; 152% Legal Entity; 2Q22; 142% do BRB; ConglomeraLegal Entity; Conglomera Conglomera 2Q23; 121% do BRB; do BRB; 1Q23; do 108% doBRB; BRB; 2Q22; 122% 3Q22; 116% 2Q23;1
Slide 17: Funding
Results 2Q23 Funding Total Funding 2Q23 x 2Q22 2Q22 1Q23 2Q23 Δ 3M Δ 12M +26.0% Customers Funding 29,216 35,097 39,012 11.2% 33.5% Demand Deposits 1,317 1,241 1,276 2.9% -3.1% Term Deposits Savings 2,669 2,562 2,583 0.8% -3.2% 30.6% 16.1% Total; Term Deposits 20,774 23,376 27,133 16.1% 30.6% 2Q23; C
Slide 18: Administrative Expenses
Results 2Q23 Administrative Expenses 2Q23 x 2Q22 Operational Efficiency Ratio 74.7% 72.8% +17.9% +18.4% +22.4% 66.9% Technology Structural Marketing 2Q22 1Q23 2Q23 Δ 3M Δ 12M (1) Operational Efficiency = (Personnel Expenses + Administrative Personnel Expenses -280 -315 -350 11.1% 24.9% Expenses) / (
Slide 19: Commissions and Fees Revenue
Results 2Q23 Accounting Commissions and Δ 3M Δ 12M Fees Revenue 2Q22 1Q23 2Q23 Current Accounts Current Accounts 56,529 55,553 61,828 11.3% 9.4% +9.4% Cards 28,918 37,456 40,498 8.1% 40.0% Commissions 8,967 12,859 5,056 -60.7% -43.6% Cards Resource Management 10,056 10,158 10,222 0.6% 1.6% +40.0% Ti
Slide 20: Financial Performance
Financial Performance Recurrent Net Profit Operational Results 2Q23 x 2Q2 21.3% 30.3% R$ 1.7 billion R$ 1.37 billion Financial Credit Intermediation Operations Revenue Revenue 26.0% 49.4% 93.0 77.0 86.0 R$ 671 million R$ 93 million 66.0 Financial Recurrent Net R$ million Margin Profit 30.3% 21.3% 20
Slide 21: Capital
Results 2Q23 Capital C.A.R. 14.79% 14.95% 14.35% 14.39% 13.80% Evolução + 0.56 p.p. 14.39% 14.95% Nível II Nível II ; 2T23; ; 1T23 ; 5.4% 10.5% 5.79% Minimum Regulatory Nível I; Nível I; 2T23; 1T23 ; 9.51% 8.60% 21 Nível I Nível II
Slide 22: Final Considerations
Results 1Q23 Final Considerations Recurrent Net Profit of R$ 93 million, at the quarter, with total assets amounting R$ 45.4 billion (^ 21.2%, 2Q23 X 2Q22). Digital bank with concept-stores, with 95% of transactions in 2Q23 carried out through digital channels. Evolution in the main businesses, with
Slide 23: Disclaimer
Disclaimer This presentation has references and declarations about BRB's expectations, planned synergies, growth estimates, result projections, and future strategies. Although those references and expectations reflect what its administrators believe, they include hard-to-predict uncertainties and ri
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