41
NOVEMBER 2018 COMPANY PRESENTATION
N O V E M B E R 2 0 1 8
COMPANY PRESENTATION
Large companies don't beat small companies.Small companies don't beat large companies.
Fast companies beat the slow.
A FINANCE AND TECH GROUP DEVELOPING AGILE, SIMPLE AND INNOVATIVE SOLUTIONS TO MAKE OUR CLIENTS HAPPY.
ABOUT US
OUR VISION
TO BE RECOGNIZED AS A L E A D I N G F I N A N C I A L G R O U P I N T E R M S O F INNOVATION AND SERVICE.
133,6$133,6
51,7$51,7
BIND GROUP
NET INCOME
BIND Inversiones - Valores
BIND Inversiones - Asset Management
BIND Seguros
Credicuotas
Tienda Jubilo
BIND Banco Industrial
2015
4,5
0,2
2,3
0,5
18,5
26,0
2016
8,2
0,8
3,5
1,3
15,8
29,6
2017
6,7
1,2
2,7
8,0
0,5
32,6
51,7
2016
8,4
0,9
3,7
3,1
85,3
101,4
2017
9,0
1,4
5,3
11,4
2,0
104,5
133,6 Total
EQUITY
BIND Inversiones - Valores
BIND Inversiones - Asset Management
BIND Seguros
Credicuotas
Tienda Jubilo
BIND Banco Industrial
2015
5,2
0,4
2,6
2,2
84,7
95,1Total
Millions USD Millions USD
Alberto Meta. Bind Founder
90 YEARS OF HISTORY
Perseverance is often more important than talent, even intelligence.Because not all who are intelligent succeed in this world. Persistent people always do. Because faith, thath faith can move mountains is our daily encouragement to succeed.
“”
COMPANIES IN THE GROUP
1928
20132006 2010 2012 2014
BR
AN
D E
VO
LUT
ION
OF
TH
E B
AN
K 2002
1997
1996
1971
2003
Banco de Azul
2017 2018
Banco Velox
2016
EQUITY DISTRIBUTION
CED 99%
70%30%3% 47,4%49,6% 2%98% 6,79%93,21% 95% 5% 5% 95% 96,5%80% 51%
47%
4%
20% 49% 3,5%
1%
47,43,0
50,4
AM (DIRECT VOTE) AM (TRUSTEE NOM VOTE)
TOTAL AM
49,6 49,6
3,0
CED (DIRECT VOTE) TOTAL CED
TRUSTEE NOM (ECONOMIC RIGHTS)
BIND CORPORATE CONTROL STRUCTURE
FFNOM
AM
P R E S I D E N T
V I C EP R E S I D E N T
BOARD
G E N E R A LM A N A G E R
MANAGEMENTAndrés MetaRED PREVISIONALAriel Salituri
BANCA EMPRESAAlejandro Coscia
NEGOCIOS INTERNACIONALES Gerardo Guastavino
FINANZAS Y MERCADO DE CAP.Javier Popowsky
Facundo VázquezOPERACIONES BANCARIASCarlos NataleOP. FINANCIERAS Y TESORERÍAFabián TuachiSISTEMA E INNOVACIÓNInti BenitesTECNOLOGÍA E INFRAESTRUCTURAInti BenitesPRODUCTOSRosario Flores Vidal
Sebastián UchitelMARKETING
Leonardo DillenbergerGDHAndrea GallianoRSE / RRII / ATENCIÓN AL CLIENTEMaría Laura Visuara
Infraestruc. Seguridady Aprov. Estrat.Bernardo Landa
Gastón EckelhartAndrés PridaRIESGOS DE CRÉDITOS Y NEGOCIOSPablo DeutesfeldAUDITORÍA INTERNAEugenia Blanco
PREV. LAV. DINERORodolfo Irrazabal
GERENCIA DE CONTROL DE GESTIÓN Y RIESGOSINTEGRALES
BANCA ZAFIROKarina Yankilevich
LEGALES
ADMINISTRACIÓNDaniel Real
Pablo Prieto
RIESGOS INTEGRALESFlorencia Balducci
GastónEckelhart
Carlota Durst de Meta
AndrésMeta
D I R E C T O R
SalvadorPristera
D I R E C T O R
José C. DeLos Santos
D I R E C T O R
AndrésPrida
D I R E C T O R
LeonardoDillenberger
CONSUMER BANKINGBUSINESS BANKING CORPORATE BANKING
COMMERCIAL STRATEGY - BIND BANCO INDUSTRIAL 3 BUSINESS UNITS
Focused on helping achieving working capital needs.
Leading position in Factoring - with a market share of 3,5%.
Has 2.300 direct customers and over 50.000 indirect SMEs customers.
Loans & funding to SMEs amounts AR $5,678 mm y AR $2,846 mm, respectively.
Market leader in pension payment services.
Serving over 390.000 pensioners, with a monthly flow over AR $3100 mm.
Personal Loans up to AR $2300 mm (approximately 152.500 transactions).
Retail short-term deposits amounts AR $3,717 mm.
Focused on trading of bonds and foreign currency.
Ranked in the top 20 in foreign currency and government bonds trades.
“Investment grade” Risk Rating allows us to attract institutional investors deposits, for about AR $4835 mm.
D I G I TA L B A N K I N G
BIND GROUP
Total
HEADCOUNT
BIND Inversiones - Valores
BIND Inversiones - Asset Management
BIND Seguros
Credicuotas
Tienda Júbilo
BIND Leasing
Poincenot
BIND Banco Industrial
DEC 17
12
8
22
42
2
2
22
678
788
BIND Banco Industrial
Credicuotas
BIND Seguros
Poincenot
BIND Inversiones - Valores
BIND Inversiones - Asset Management
Tienda Júbilo
BIND Leasing86,04%
5,34% 2,79%
2,79% 1,53%
1,01%
0,25%
0,25%
BRANCH NETWORK
Buenos Aires64%
Santa Fé3%Salta
3%Mendoza3%
Córdoba10%
Tucumán7%
Capital Federal10%
Branches
Business node
Total
ATM´S
34
1
35
65
REGIONAL PRESENCE
By constantly improving our core management system, we have achieved the highest local rating.
fitch ratings has raised banco industrial long-term rating from “a” to “a+”. also, it reconfirmed “a1” as short-term rating, while the outlook improves towards positive.
Denotes a very strong credit capacity relative to other issuers or issues in the same country.
Indicates the strongest capacity for timely payment of financial commitments relative to other issuers or issues in the same country.
BANK RANKING
L O N G T E R M S H O R T T E R M
A+ A1
TRADE SERVICES & TRADE FINANCE
CROSS BORDER LINES PARTNERSHIP
PLUS U$D 55 Min working
capital loans
+ 20% CREDITLINES
90% UTLRATIO!!!
2017 VS 2018
+ 15.000 TICKETSPROCESSED!!!
Best MULC Ranking#15 *
Imports Volume
Total Volume Amt.USD 3bn Aprx.
* Between 50 local financial institutions (Source BCRA)
NEW!
USD21 M
USD4 M
USD15 M
USD6 M
USD8 M
USD10 M
WE INNOVATE TO FIND A BETTER WAY FOR OUR CLIENTS, OUR PEOPLE, AND OUR SHAREHOLDERS.
INNOVATION WITH PURPOSE
API BANKThe financial system of the future is open, agile and collaborative.
Our platform has been designed to work collaboratively with organizations, developers, fintech and startups.
We are the first Bank in Argentina to connect a corporate client with open-APIs.
apibank.bind.com.ar
275
4
6
$
CLIENT'S INFORMATIC
SYSTEM
PAYMENTS COLLECTIONS1
BIND ACCOUNT COLLECTOR
API TRANSFER API CONCILIATION API DEBIT
DÉBITOINMEDIATE TRANSFER CUSTOMERSSUPPLIERS
Transfers, collections, and conciliations leveraging technology without human
intervention, thus achieving relevant operational and cost efficiencies.
apibank.bind.com.ar
BANK ACCOUNT SUPPLIER
BANK ACCOUNT CLIENT
3
bindINNOVA
BIND INNOVAAnnual Co-Innovation Program.
On our first edition (2017) we’ve worked collaboratively with fintech and startups to develop and market new digital financial products.
The second edition (2018) was aimed at bringing operational and process efficiencies, reason why we’ve invited both top-consulting
firms and tech-based process automatization startups to participate on the Program.
innova.bind.com.ar
DIGITAL ACCELERATION
Medium / long term
Semi-defined scope
Adopts new technologies
Time to market
Learn and observe
Triggers and fosters a cultural change
FINANCIAL MARKET
Technology and data start-up that provides direct loans to small and medium-sized enterprises using a financial system featuring digital innovation.
We have invested in local and international fintech startups.
We founded and invested in ArFintech, the first venture fund formed by banks to invest in local fintech, thus promoting the collaboration
and development of the financial ecosystem.
BIND VENTURES
CUSTOMER EXPERIENCE
First Bank in Latin America to integrate with Starbucks :)
NEW SPACE. COFFEE AND BANKING.
INNOVATION TO COMMUNICATE
WE SUPPORT MORE THAN 150 INSTITUTIONS.
CORPORATE SOCIAL RESPONSIBILITY
OUR BUSINESS UNITS
IAM MUTUAL FUNDS
A simple way of investingminimizing risks.
Fondo IAMAhorro Pesos
Fondo IAMRenta Variable
Fondo IAMRenta Capital
Fondo IAMAbierto PyMes
Fondo IAMRenta Plus
Fondo IAMRenta Crecimiento
Mercado Fondos
Fondo IAMRenta Dólares
Fondo IAM Estrategia
I N D U S T R I A L A S S E T M A N A G E M E N T
8o
6o 6o positionin ByMA Fixed IncomeRanking (Senebi),DEC 17.
8o positionin Rofex Ranking,DEC 17.
I N D U S T R I A L V A L O R E S
CREDENTIALS 2017CAPITAL MARKET
Fideicomiso FinancieroCredicuotas Consumo IV
AR $268.590.672
Noviembre 2017ORGANIZADOR COLOCADOR
Valores
VCP Clase IIIBanco Voii
AR $100.000.000
COLOCADORNoviembre 2017
Valores
Fideicomiso FinancieroElebar XXI
AR $77.748.864
COLOCADORMayo 2017
Valores
Fideicomiso FinancieroSensei III
AR $51.063.103
COLOCADORMayo 2017
Valores
ON Clase XIII y XIVTarshop SA
AR $250.000.000
COLOCADORNoviembre 2017
Valores
Fideicomiso FinancieroAval Rural XXVI
USD 4.398.000
COLOCADOROctubre 2017
Valores
Fideicomiso FinancieroElebar XXII
AR $86.629.239
COLOCADORSeptiembre 2017
Valores
Fideicomiso FinancieroUnicred Factoring IX
AR $130.000.000
COLOCADORSeptiembre 2017
Valores
ON Clases I y IIElectronic SystemUSD 43.289.318
COLOCADORMayo 2017
Valores
Fideicomiso FinancieroCredicuotas Consumo III
AR $74.230.523
COLOCADORMayo 2017
Valores
ON Clase IX y XTarshop SA
AR $500.000.000
COLOCADORAbril 2017
Valores
Fideicomiso FinancieroCarfácil II
AR $59.464.510
COLOCADOR Febrero 2017
Valores
Fideicomiso FinancieroTarjeta Plata 5
AR $39.023.614
COLOCADOR Enero 2017
Valores
ON Clases VII y VIIITarshop SA
AR $302.437.500
COLOCADOR Enero 2017
Valores
ON CLASE 3
USD 119.729.840
COLOCADOR LOCALMarzo 2017
Valores
Fideicomiso FinancieroUnicred Factoring VIII
AR $135.000.000
COLOCADOR Marzo 2017
Valores
Fideicomiso FinancieroCGM Leasing XXX
AR $111.769.191
COLOCADORMarzo 2017
Valores
IRSA Propiedades Comerciales Clases III y IV
USD 140.000.000
COLOCADORSeptiembre 2017
Valores
ON Crédito DirectoClases I y II
AR $139.863.000
COLOCADORSeptiembre 2017
Valores
VCP Clase IIBanco Voii
AR $100.000.000
COLOCADORJulio 2017
Valores
On Clase XI y XIITarshop SA
AR $346.995.624
COLOCADORJulio 2017
Valores
On PymeAgroempresa Colon
USD 4.000.000
COLOCADORJulio 2017
Valores
Fideicomiso FinancieroCGM Leasing XXXIAR $105.911.671
COLOCADORSeptiembre 2017
Valores
On Serie XIIRogiro Aceros
AR $80.000.000
COLOCADORJunio 2017
Valores
Fideicomiso FinancieroSensei IV
AR $83.017.709
COLOCADORNoviembre 2017
Valores
Fideicomiso FinancieroCGM Leasing XXXIIAR $124.570.068
COLOCADORDiciembre 2017
Valores
ON BANCOR SERIES IY II
AR $865.750.000
COLOCADORDiciembre 2017
Valores
ON NEWSAN CLASES 1Y 2
USD 38.575.423
COLOCADORDiciembre 2017
Valores
ON PYME SEDA CLASE 1SERIE I EN PESOS Y
SERIE II EN DÓLARESAR $100.000.000
Diciembre 2017ORGANIZADOR COLOCADOR
Valores
Letras de Municipalidadde la Ciudad de Córdoba
Serie XXVIII
AR $154.400.000
COLOCADORNoviembre 2017
Valores
ON Serie XIIIRogiro Aceros
AR $80.000.000
COLOCADORNoviembre 2017
Valores
We reached the 100.000 policies sold.
We administer $250.000.000 in annual insurance premiums.
We invest in #ComparaOnline to join the technological challenges.
Our purpose is to facilitate credit to Small and Medium Enterprises (SMEs)
2004
$500 millons
$3.355
1025
Founded by Caja de Valores and approved by SEPyMEyDR. Its original name was Garantía de Valores SGR
Approved Risk Fund
Guarantees granted since 2004
Total of participating partners
17
B1
Aa3.ar
2018
Employees
Moody’s - global scale
Moody’s - local scale, stable perspective
Grupo BIND acquires “Garantía de Valores SGR”2% Default rate
A Preferred A Guarantee for financial institutions.
Targeted at companies
Up to $2.000.000 (*)
Financing of up to 100% of the value of the good (*)
Term of 36 months + Option to purchase
UVA rate + 9,9%
Structuring fee of 2,5 % of the value of
Productive goods (vehicles, transportation,
the contract
machinery, technology equipment, etc.)
(*) subject to credit approval by Banco Industrial S.A.
FIRST ONES TO OFFER UVA LEASING
F E AT U R E S
UVA= Purchasing Value Units
We have nearly 30 thousand fans on our Fan Page.
We recently launched credicuotas express for web and mobile.
We issued more than 0,5 billion dollar in personal loans.
We issued more than 25 million dollars in personal loans
We received more than 383.000 visits on our website,
We have more than 100.000 active clients.
through our web.
www.credicuotas.com.ar.
Discover the privacy of aworld created just for you
Financial solutions and expert advice to consolidate and care
.for your assets.
OUR FIGURES
LIQUID ASSETS / TOTAL DEPOSITS
Source BCRA
60,0%
50,0%
40,0%
30,0%
20,0%
10,0%
0,0%
42,9%40,6%
31,3%
26,3%
44,1%
34,1%
20,0%18,3% 17,5%
38,2%40,1%
53,9%
45,6%44,4%
NET LOANS (1) / DEPOSITS
Source BCRA(1) Incluiding Leasing and excluiding loans to the non-financial public sector.
120,0%
100,0%
80,0%
60,0%
40,0%
20,0%
0,0%
69,2%79,2%
90,7%98,0%
77,4%
90,5%
101,2%102,6%
96,0%
77,7% 72,8%
63,8% 66,7% 74,6%
e-17 e-17
THE BANK HAS A CONSERVATIVE POLICY IN TERMS OFLIQUIDITY, PROVISION AND CAPITAL LEVELS
EQUITY / TOTAL ASSETS
Source BCRA
14,0%
12,0%
10,0%
8,0%
6,0%
4,0%
2,0%
0,0%
9,3% 9,0% 8,8%
9,9%
12,3%12,6%
11,9%
10,7%10,9%
10,1%10,8%
9,3%
10,6% 10,2%
CAPITALIZATION (- RPC – COMPUTABLE EQUITY - / RISK – WEIGHTED ASSETS)
Source Banco Industrial
20,0%
15,0%
10,0%
5,0%
0,0%
14,3%
19,7%
15,9%16,2%
17,1%18,6%
16,1%15,1%
14,1%14,8%
14,1% 14,1%14,8% 14,8%
e-17 e-17
THE BANK HAS A CONSERVATIVE POLICY IN TERMS OFLIQUIDITY, PROVISION AND CAPITAL LEVELS
GIVEN THE NATURE OF OUR PRODUCTS AND FUNDING BASE,OUR MARGINS REMAIN AT VERY GOOD LEVELS...
FINANCIAL MARGIN
Source BCRA / Financial Statements
14,0%
12,0%
10,0%
8,0%
6,0%
4,0%
2,0%
0,0%
9,2%
7,6%
5,8%
12,1%
5,0%
10,6%
11,9%
12,9%
10,3%9,7%
12,7%12,1%
12,0%
11,9%
NET INTEREST SPREAD
Source BCRA and Financial Statements. Note: Calculated as the difference between assets yield and the cost of liabilities.
16,0%
14,0%
12,0%
10,0%
8,0%
6,0%
4,0%
2,0%
0,0%
12,1% 12,6%
11,5%
14,5%
8,0%
13,3%
9,7%
10,9%
12,8%
8,9%
11,8%
11,3%10,9%
8,3%
e-17 e-17
GIVEN THE NATURE OF OUR PRODUCTS AND FUNDING BASE,OUR MARGINS REMAIN AT VERY GOOD LEVELS...
ASSETS YIELD
Source BCRA and Financial Statements (Financial Income / Average Assets)
30,0%
25,0%
20,0%
15,0%
10%
5,0%
0,0%
11,8% 11,5% 11,0%
20,4%19,6% 18,4%
17,5%
20,3%23,5%
22,0%
11,1%
20,4%
24,0%
20,8%
COST OF LIABILITIES
Source BCRA and Financial Statements (Financial Expenditure / Average Liabilities).
18,0%
16,0%
14,0%
12,0%
10,0%
8,0%
6,0%
4,0%
2,0%
0,0%
2,8%
4,3%5,7%
9,3%
6,6%
8,7%7,9% 9,5%
16,0%
14,6%
13,7%
6,6%
9,3% 9,9%
e-17e-17
