CO MPAN Y PR ESEN TATI ON N o v e mb e r 2 0 1 7 L A R G E CO M PA - PowerPoint PPT Presentation

CO MPAN Y PR ESEN TATI ON N o v e mb e r 2 0 1 7

L A R G E CO M PA N I E S D O N ' T B E AT S M A L L CO M PA N I E S . S M A L L CO M PA N I E S D O N ' T B E AT L A R G E CO M PA N I E S . FA ST CO M PA N I E S B E AT T H E S LOW.

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BIND GROUP

BIND GROUP Total Assets: 1.8 Billion USD EQUITY NET INCOME Millions USD Millions USD 2015 2016 PEA 2017 2015 2016 PEA 2017 Industrial Valores 5,2 8,4 10,4 Industrial Valores 4,5 8,2 2,9 Industrial Asset Management 0,4 0,9 1,7 Industrial Asset Management 0,2 0,8 0,9 Industrial Broker de Seguros 2,6 3,7 6,0 Industrial Broker de Seguros 2,3 3,5 2,7 Credicuotas 2,2 3,1 4,5 Credicuotas 0,5 1,3 1,7 Bind Banco Industrial 84,7 85,3 109,8 Bind Banco Industrial 18,5 15,8 33,6 Total Total 26,0 29,6 41,7 95,2 101,5 132,4

BIND GROUP 0,06% HEADCOUNT 1,32% 2,90% 5,54% SEP 17 Industrial Valores Industrial Asset Management Industrial Valores 10 Industrial Broker de Seguros Industrial Asset Management 5 Industrial Broker de Seguros 22 Credicuotas Credicuotas 42 Bind Banco Industrial Bind Banco Industrial 678 Total 757 89,56%

Bind Banco Industrial focuses his business throught three main business units Business Banking Consumer Banking Corporate Banking Focused on helping achieving working Market leader in pension payment Focused on trading of bonds and foreign capital needs. services. currency. Leading position in Factoring - with a Serving over 390.000 pensioners, with Ranked in the top 20 in foreign currency market share of 3,5% . a monthly flow over USD 179 mm. and government bonds trades. Has 2.300 direct customers and over Personal Loans up to USD 133 mm “Investment grade” Risk Rating allows 50.000 indirect SMEs customers. (approximately 152.500 transactions). us to attract institutional investors deposits, for about USD 279 mm. Loans & funding to SMEs amounts USD Retail short-term deposits amounts 328 mm and USD 164 mm , respectively. USD 215 mm.

Top 20 bank in Trade Service, between 60 financial intitutions (*) VOLUME Rankings QUANTITIES Rankings CUSTOMS CLEARENCE Goods & Services # 19 Export # 17 Bind Nominations = 6500 Export # 19 Import # 14 Export 3000 Import # 15 Import 3500 TICKETS Quantity = 8400 VOLUME AMOUNT = USD 2bn, aprx. Export 2100 (*) BCRA MULC´s statistics (2016) Import 6300 anked in the top 20 in foreign currency

BRANCH NETWORK Santa Fé Salta 3% Regional presence 3% Mendoza 3% Tucumán 7% Branches 15 Service Centers 19 Córdoba 10% Total 34 Capital Federal ATM´s 65 10% Buenos Aires 64%

BANK RANKING 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 remains STABLE. Denotes a very strong credit capacity relative to other issuers Indicates the strongest capacity for timely payment of or issues in the same country. financial commitments relative to other issuers or issues in the same country.

OUR

The Bank has a conservative policy in terms of liquidity, provision and capital levels Liquid Assets / Total Deposits Net Loans (1) / Deposits 60,0% 120,0% 53,9% 101,2% 102,6% 50,0% 100,0% 98,0% 96,0% 45,6% 44,1% 90,7% 90,5% 44,4% 42,9% 40,6% 38,2% 40,1% 40,0% 69,2% 79,2% 80,0% 77,7% 72,8% 77,4% 74,6% 34,1% 63,8% 66,7% 31,3% 30,0% 60,0% 26,3% 20,0% 20,0% 40,0% 18,3% 17,5% 10,0% 20,0% 0,0% 0,0% sep-17 sep-17 Source BCRA Source BCRA (1) Incluiding Leasing and excluiding loans to the non-financial public sector.

The Bank has a conservative policy in terms of liquidity, provision and capital levels Equity / Total Assets Capitalization (RPC – Computable Equity - / Risk – Weighted Assets -) 14,0% 12,6% 12,3% 12,0% 11,9% 10,7% 10,9% 10,8% 10,6% 10,2% 10,1% 10,0% 9,9% 9,3% 9,3% 19,7% 9,0% 8,8% 20,0% 18,6% 15,9% 16,2% 17,1% 16,1% 8,0% 15,1% 14,8% 14,8% 14,8% 15,0% 14,3% 14,1% 14,1% 14,1% 6,0% 10,0% 4,0% 5,0% 2,0% 0,0% 0,0% sep-17 sep-17 Source BCRA Source Banco Industrial

Given the nature of our products and funding base, our margins remain at very good levels... Assets Yield Cost of Liabilities 18,0% 16,0% 16,0% 14,6% 30,0% 13,7% 14,0% 24,0% 25,0% 22,0% 12,0% 20,4% 20,3% 20,0% 23,5% 19,6% 18,4% 10,0% 9,3% 9,3% 8,7% 9,9% 20,4% 20,8% 7,9% 9,5% 15,0% 8,0% 17,5% 11,8% 11,5% 11,0% 5,7% 6,0% 10% 4,3% 6,6% 6,6% 11,1% 4,0% 5,0% 2,0% 2,8% 0,0% 0,0% sep-17 sep-17 Source BCRA and Financial Statements (Financial Income / Average Assets) Source BCRA and Financial Statements (Financial Expenditure / Average Liabilities).

Given the nature of our products and funding base, our margins remain at very good levels... Net Interest Spread Financial Margin 16,0% 14,5% 14,0% 12,9% 12,7% 14,0% 13,3% 12,8% 12,1% 12,1% 11,9% 12,1% 12,6% 12,0% 11,3% 12,0% 11,5% 10,9% 11,9% 12,0% 11,8% 10,0% 10,6% 9,2% 10,0% 10,3% 10,9% 9,7% 9,7% 7,6% 8,0% 8,0% 8,9% 8,3% 8,0% 5,8% 6,0% 6,0% 4,0% 4,0% 5,0% 2,0% 2,0% 0,0% 0,0% sep-17 sep-17 Source BCRA / Financial Statements Source BCRA and Financial Statements. Note: Calculated as the difference between assets yield and the cost of liabilities.

BOARD P R E S I D E N T V I C E P R E S I D E N T C E O MANAGEMENT Infraestruc. Seguridad Facundo Vázquez Andrés Meta Andrés Prida Leonardo Dillenberger y Aprov. Estrat. OPERACIONES BANCARIAS RED PREVISIONAL LEGALES GDH Carlos Natale Ariel Salituri Paula González Silvestrin Andrea Galliano Bernardo Landa OP. FINANCIERAS Y TESORERÍA ADMINISTRACIÓN RSE / RRII / ATENCIÓN AL CLIENTE BANCA EMPRESA Fabián Tuacchi María Cristina Galano María Laura Visuara Alejandro Coscia SISTEMA E INNOVACIÓN RIESGOS INTEGRALES Y CRÉDITOS NEGOCIOS INTERNACIONALES Alejandra Rodríguez Pablo Deutesfeld Gerardo Guastavino TECNOLOGÍA E INFRAESTRUCTURA AUDITORÍA INTERNA FINANZAS Y MERCADO DE CAP. Inti Benites Eugenia Blanco Gastón Eckelhart PRODUCTOS PREV. LAV. DINERO Rosario Flores Vidal Rodolfo Irrazabal MARKETING

OUR 8 MUTUAL FUNDS Fondo IAM Fondo IAM Ahorro Pesos Renta Capital Fondo IAM Fondo IAM Renta Plus Renta Variable Fondo IAM Fondo IAM Renta Crecimiento Abierto PyMes Fondo IAM Fondo IAM Renta Dólar Estrategia USD 303 MM AUM. Local and international execution. Top 5 at local fixed-Income fund market. * Assets under Management

GROWTH *Assets under Management (USD) Sept, 2015 * Dec, 2015 Dec, 2016 Sep, 2017 USD 41 USD 60 USD 166 USD 303 +46,3% over Sept 2015 +176% over Dec 2015 +82,5% over Dec 2016 * Inception of funds, except IAM Rta Variable

IAM MANAGEMENT Javier Padova Javier Popowsky Gaston Eckelhart Ignacio Boccardo President Director Director Director jpadova@bancoindustrial.com.ar jpopowsky@bancoindustrial.com.ar geckelhart@bancoindustrial.com.ar iboccardo@bancoindustrial.com.ar @ @ @ @ (+54 11) 3042 0278 (+54 11) 5220 5755 (+54 11) 3003 3587 (+54 11) 3426 5677 Diego Cetani Daniela Castaldo Martin Salvo Commercial Manager Head Portfolio Manager Portfolio Manager dcetani@fondosiam.com.ar @ dcastaldo@fondosiam.com.ar msalvo@fondosiam.com.ar @ @ (+54 11) 4415 6578 (+54 11) 6707 5616 (+54 11) 3801 2107

o 6 o position 6 in Rofex Ranking, SEP 17. o 4 o position 4 in ByMA Fixed Income Ranking (Senebi), SEP 17.