BBVA Argentina 3Q 2019 Corporate Presentation December 2019 - PowerPoint PPT Presentation

BBVA Argentina 3Q 2019 Corporate Presentation December 2019

Corporate Presentation 3Q 2019 1 Safe Harbour Statement This presentation contains certain forward-looking statements that reflect the current views and/or expectations of Banco BBVA Argentina and its management with respect to its performance, business and future events. We use words such as “believe,” “anticipate,” “plan,” “expect,” “intend,” “target,” “estimate,” “project,” “predict,” “forecast,” “guideline,” “seek,” “future,” “should” and other similar expressions to identify forward- looking statements, but they are not the only way we identify such statements. Such statements are subject to a number of risks, uncertainties and assumptions. We caution you that a number of important factors could cause actual results to differ materially from the plans, objectives, expectations, estimates and intentions expressed in this release. Actual results, performance or events may differ materially from those in such statements due to, without limitation, (i) changes in general economic, financial, business, political, legal, social or other conditions in Argentina or elsewhere in Latin America or changes in either developed or emerging markets, (ii) changes in regional, national and international business and economic conditions, including inflation, (iii) changes in interest rates and the cost of deposits, which may, among other things, affect margins, (iv) unanticipated increases in financing or other costs or the inability to obtain additional debt or equity financing on attractive terms, which may limit our ability to fund existing operations and to finance new activities, (v) changes in government regulation, including tax and banking regulations, (vi) changes in the policies of Argentine authorities, (vii) adverse legal or regulatory disputes or proceedings, (viii) competition in banking and financial services, (ix) changes in the financial condition, creditworthiness or solvency of the customers, debtors or counterparties of Banco BBVA Argentina, (x) increase in the allowances for loan losses, (xi) technological changes or an inability to implement new technologies, (xii) changes in consumer spending and saving habits, (xiii) the ability to implement our business strategy and (xiv) fluctuations in the exchange rate of the Peso. The matters discussed herein may also be affected by risks and uncertainties described from time to time in Banco BBVA Argentina’s filings with the U.S. Securities and Exchange Commission (SEC) and Comision Nacional de Valores (CNV). Readers are cautioned not to place undue reliance on forward-looking statements, which speak only as the date of this document. Banco BBVA Argentina is under no obligation and expressly disclaims any intention or obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

Corporate Presentation 3Q 2019 2 BBVA Argentina 3Q19 highlights Loans to the Total In-company branches 251 branches Total assets private sector Deposits 13 AR$ 414.1 bn AR$ 211.8 bn AR$ 274.5 bn ATMs Customer 845 service booths 2 Interest Results Commissions Op. Expenses Net Income AR$ 15.6 bn AR$ 1.6 bn AR$ 7.1 bn AR$ 11.1 bn Employees ATSs 6,242 857 ROE ROA NPL ratio Coverage ratio Efficiency ratio NIM* 20.4% 81.3% 11.0% 3.31 % 35.9% 105.08% TOTAL CUSTOMERS DIGITAL SALES SEPTEMBER 2019 Digital Customers 1 RETAIL SMEs CIB Mobile Customers 2 +2.6 m +50,450 +800 +1.2 m +0.9 m PRV 3 56.9 % 1. Digital Customers: We consider a customer to be an active user of online banking when they have been logged at least once within the last three months using the internet or a cell phone and SMS banking 2. Mobile Customers: Customers who have been active in online banking at least once in the last three months using a mobile device 3. PRV: Product Relative Value as a proxy of a better economic representation of units sold *NIM: without FX difference.

01 BBVA Purpose

Corporate Presentation 3Q 2019 4 We are BBVA. We create opportunities OUR PURPOSE SIX STRATEGIC PRIORITIES To bring the age of New standard in customer experience opportunity Digital sales to everyone New business models Optimize capital allocation Unrivaled efficiency A first class workforce

Corporate Presentation 3Q 2019 5 New value proposition Based on our customers’ real needs Providing the best Through an easy and Helping our customers solutions convenient experience to make the best financial decisions offering relevant that generate trust for our DIY through digital advice customers, being clear, channels or human transparent and based interaction on integrity Our aspiration is to strengthen the relationship with the customer

Corporate Presentation 3Q 2019 6 Our Values Customer comes first We think big We are one team We are empathetic We are ambitious I am committed We have integrity We break the mold I trust others We meet their needs We amaze our customers I am BBVA

02 BBVA Argentina

Corporate Presentation 3Q 2019 8 3Q19 Highlights 01 AR$ 11.1bn +264.6% YoY Net Income 02 Net Interest Income AR$ 15.6bn +129.2% YoY 03 Net Fee Income AR$ 1.6bn (11.0%) YoY 04 Administrative + Personnel Expenses AR$ 7.1bn +64.1% YoY Coverage ratio NPL ratio 05 Risk indicators 105.08% 3.31% Capital Ratio TIER I 06 Strong capital position 17.1% 16.4% ROE 07 Focus on shareholder value ROA 81.3 % 11.0%

Corporate Presentation 3Q 2019 9 A leading bank… Assets (AR$ bn - % Market Share) Liabilities (AR$ bn - % Market Share) 5.520 6.308 20,2% 27,0% 26,2% 19,6% 9,5% 9,6% 8,8% 9,1% 8,6% 8,3% 6,4% 1.700 6,3% 1.444 6,1% 5,5% 1.113 1.234 4,2% 4,0% 3,6% 3,6% 3,4% 3,3% 3,4% 3,4% 602 500 532 557 526 474 402 383 346 306 232 253 225 215 211 201 186 185 Nación Galicia Santander Provincia BBVA Macro HSBC Ciudad ICBC Credicoop Rest of the Financial Nacion Santander Galicia Provincia BBVA Macro HSBC Ciudad Credicoop ICBC Rest of the Financial System System System System Equity (AR$ bn - % Market Share) Earnings (AR$ bn - % Market Share) 187,2 787 15,0% 14,6% 25,3% 15,4% 31,6% 11,4% 9,7% 249 6,6% 8,9% 7,9% 4,5% 3,8% 6,6% 7,3% 3,4% 4,9% 47,4 7,1% 2,5% 28,1 121 27,4 3,7% 3,3% 3,2% 3,1% 21,4 77 70 14,8 57 56 52 12,4 8,4 9,1 29 26 26 25 7,2 6,4 4,6 Credicoop Credicoop Nacion Macro Galicia Santander BBVA Provincia ICBC Patagonia Citi Rest of the Financial Galicia Macro BBVA Santander CITI Patagonia HSBC ICBC Provincia Rest of the Financial System System System System Source: “ Información de entidades financieras ”, BCRA, as of September 2019 Public Banks Private Banks

Corporate Presentation 3Q 2019 10 …in the Argentine financial system,… Total Loans (AR$ bn - % Market Share) Total Deposits (AR$ bn - % Market Share) 2.363 4.555 16,0% 7.9%* 10,2% 25,2% 9,8% 9,0% 24,2% 7,7% 22,6% 7.7%* 6,9% 9,4% 597 4,1% 4,1% 9,4% 3,7% 1.102 1.031 8,4% 5,3% 3,2% 6,0% 4,2% 378 3,8% 3,8% 2,8% 241 231 213 429 429 383 182 164 275 241 97 97 89 75 191 172 172 130 Nacion Galicia Santander Provincia BBVA Macro HSBC Ciudad ICBC Patagonia Rest of the Financial Nacion Provincia Santander Galicia BBVA Macro HSBC Credicoop Ciudad ICBC Rest of the Financial System System System System *Includes PSA + Volkswagen + Rombo. Source: “ Información de entidades financieras ”, BCRA, as of September 2019 Public Banks Private Banks

Corporate Presentation 3Q 2019 11 … with a diversified business model. MULTICHANNEL STRUCTURE Physical Digital Exclusive Infrastructure Channels Partnerships  BRANCHES  WEB  JV’S  ALLIANCES  ATM/ATS  MOBILE  CALL CENTER  IN-COMPANY BANKS

Corporate Presentation 3Q 2019 12 Geographic distribution of branches as of September 2019 SUPV BMA BBVA GAL CABA CABA CABA 33% 23% CABA 7% 32% 16 Prov Bs. As Prov Bs. As Prov Bs. As Prov Bs. As 34% 39% 38% % 36 Litoral Litoral Litoral Litoral 10% 2% 10% % 15 NOA NOA NOA NOA 4% 1% 3% % Cuyo Cuyo Cuyo Cuyo 4% 6% 28% 5% 17 Centro Centro Centro Centro 7% 6% 6% % Patagonia Patagonia Patagonia 5% Patagonia 7% 1% 6% Total: 251 179 325 425 YoY Chg*: +0 +0 +13 -14 *Annual variation in number of branches. Source: “ Información de entidades financieras ”, BCRA, as of September 2019

Corporate Presentation 3Q 2019 13 and a growth strategy focused on two key goals TRANSFORMATION OPEN MARKET Differentiated commercial offering Digitalization Digital acquisition engines Servicing Development of key digital competences

Corporate Presentation 3Q 2019 14 Equity Ownership SUBSIDIARIES AND EQUITY PARTICIPATIONS OWNERSHIP STRUCTURE BBVA Asset Management ANSES 6,9% 95% ByMA* 6,2% Free Float BBVA Francés Valores** 26,55% 97% NYSE 20,3% PSA Finance* 66,55% 50% Volkswagen Financial Services* 51% Rombo Compañía Financiera* 40% BBVA Seguros As of September 30th, 2019 *Includes 0.07% in LATIBEX 12.22% *As of July 1st 2019 the Bank returns to report the activity of PSA, Rombo and VWFS on a consolidated basis with BBVA Argentina. **As of October 1st, 2019, the merger between BBVA Argentina S.A. And BBVA Francés Valores S.A. was put into effect (merger by absorption process)