Banco Davivienda SA · BVC:PFDAVVNDA
Banco Davivienda SA — Davivienda — Q3 2017 Earnings Presentation
17 slides from Banco Davivienda SA's earnings presentation, November 2017
Slide 1: Davivienda
& DAVIVIENDN
Slide 2: Earnings Presentation 3Q17 Consolidated Results
Earnings Presentation 3Q17 Consolidated Results
Slide 3: The examples given shouldn’t be taken as a guarantee for future projections and it
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: Macroeconomic Aspects: Colombia
Colombia Macroeconomic Aspects dec-16 Aug-16 Oct-16 Feb-16 Apr-17 Jun-17 jan-17 jan-17 4
Slide 5: Macroeconomic Aspects: Central America Countries
Central America Countries Macroeconomic Aspects jan.-17 Mar-16 Jun-16 Sep-16 Dec-16 Mar-17 Jun-17 jan-17 dec-16 5
Slide 6: Third Quarter Highlights: Main Results
Third Quarter Highlights Main Results Consolidated Gross Loans show an annual growth of 9.2%. Accumulated Loan Income grew 11.4% when compared to 3Q16. Quarter Loan Income increased by 7.5% compared to the same period. Financial expenses reached $929 billion, 6.9% less than 3Q16 and 5.6% less than 2
Slide 7: Third Quarter Highlights: DaviPlata
Third Quarter Highlights DaviPlata (en miles de millones de pesos) Global Daviplata reached 3.8 million customers. 600 thousand were acquired during the last 6 months. The App has been downloaded more than 595 thousand times since the launch of “Tecla de la Casita Roja” Launch date: September 19th D
Slide 8: Third Quarter 2017 Financial Results
Content Third Quarter Highlights Third Quarter 2017 Financial Results
Slide 9: Assets
Consolidated Assets (COP Trillion) 3Q17 / 2Q17 3Q17/3Q16 Cash (12.7%) 16.7% Investments, net (2.0%) 6.3% Loans, net 0.7% 9.3% Others (0.9%) (8.6%) Assets(1) (1.0%) 8.6% Assets Sep.16 Jun. 17 Sep. 17 3Q17 / 2Q17 3Q17/3Q16 Colombia 70.0 76.2 75.9 (0.3%) 8.5% COP$ 21.9 24.3 23.6 (2.9%) 7.8% Internation
Slide 10: Gross Loans
Consolidated Gross Loans (COP Trillion) (en billones de pesos) 3Q17 / 2Q17 3Q17/3Q16 Mortgage 3.7% 14.4% Consumer 0.5% 13.4% Commercial 0.0% 5.2% Gross Loans 0.9% 9.2% Gross Loans Sep.16 Jun. 17 Sep. 17 3Q17 / 2Q17 3Q17/3Q16 Colombia 56.2 60.5 61.7 2.0% 9.9% COP$ 14.5 16.0 15.5 (3.3%) 6.6% Internati
Slide 11: NPL and Coverage (%)
Consolidated NPL and Coverage (%) NPL1 > 90 days 3Q16 2Q17 3Q17 Commercial 1.84% 2.60% 2.81% Consumer 2.58% 2.68% 2.68% Mortgage 2.34% 2.94% 3.23% Total (90) 2.13% 2.70% 2.87% Mortgage2 (120) 1.71% 2.19% 2.35% Total3 (120) 2.00% 2.53% 2.67% Coverage4 Total Reserve Coverage5 3Q16 2Q17 3Q17 3Q16 2Q17
Slide 12: Funding Sources
Consolidated Funding Sources (COP Trillion) (en billones de pesos) 3Q17 / 2Q17 3Q17/3Q16 Demand Deposits (3.9%) 2.2% Term Deposits 0.4% 12.8% Bonds (1.5%) 11.6% Credits 5.3% 11.1% Funding Sources (1.1%) 8.0% Net Loans / Funding Sources 90.4% 89.8% 91.5% Funding Sources Sep.16 Jun. 17 Sep. 17 3Q17 /
Slide 13: Capital Structure
Consolidated Capital Structure Solvency Equity (COP trillion) Y/Y: 118% Q/Q: 2.1% Tier I Tier II Minimum Requirement 13
Slide 14: Financial Margin, Net
Consolidated Financial Margin, Net (COP Billion) (en miles de millones de pesos) QUARTER NIM(1) ACCUMULATED Sep. 16 Jun. 17 Sep. 17 6.7% 6.3% 6.4% 3Q16 2Q17 3Q17 3Q17 / 2Q17 3Q17 / 3Q16 Sept. 17 / Sept. 16 (%) (%) (%) (0.8) 7.5 Loan Income 11.4 (23.0) (25.3) Investment Income + Overnight (23.4) (2.5
Slide 15: Expenses Efficiency
Consolidated Expenses (COP Billion) (en miles de millones de pesos) QUARTER Efficiency(1) ACCUMULATED Sep. 16 Jun. 17 Sep. 17 44.6% 47.1% 47.3% 3Q16 2Q17 3Q17 3Q17 / 2Q17 3Q17 / 3Q16 Sep 17 / Sep 16 (%) (%) (%) (6.6) 7.6 Personnel Expenses 8.9 2.9 19.3 Operating Expenses 17.2 (3.1) 5.5 Other Expense
Slide 16: Net Income
Consolidated Net Income (COP Billion) QUARTER ACCUMULATED Sep. 16 Sep. 17 ROAE(1) 16.8% 14.4% ROAA(2) 1.73% 1.51% 3Q16 2Q17 3Q17 3Q17 / 2Q17 3Q17 / 3Q16 Sep 17 / Sep 16 % % % (7.4) (4.8) Financial Margin, net (5.7) 0.9 6.0 Operating Income 0.9 (2.1) 12.1 Operating Expenses 12.0 (78.7) (80.3) FX chan
Slide 17: Thank You
¡Thank You! ir@davivienda.com +57 1 2203495