COMPANY PRESENTATION FEBRUARY 2019
Le ar n The only sustainable competitive advantage over time is the speed at which companies learn.
Large companies don't beat small companies. Small companies don't beat large companies. Fast companies beat the slow .
ABOUT US A FINANCE AND TECH GROUP DEVELOPING AGILE, SIMPLE AND INNOVATIVE SOLUTIONS TO MAKE OUR CLIENTS HAPPY.
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.
2018 - USD MM $134,9 $113,1 113,1 $101,4 $95,1 2018 2018 - USD MM $51,9 $50,6 50,6 2018
BIND GROUP NET INCOME EQUITY Millions USD Millions USD 2019 e 2015 2016 2017 2018 2015 2016 2017 2018 2019 e 0 3,4 0,5 GRUPO BIND 1,2 5,1 1,6 GRUPO BIND 4,5 8,2 6,7 2,9 3,2 5,2 8,4 9 4,9 6,1 BIND Inversiones - IVSA BIND Inversiones - IVSA 0,4 0,9 1,4 0,9 1,0 BIND Inversiones - IAM 0,2 0,8 1,2 0,7 0,6 BIND Inversiones - IAM 2,3 3,5 2,7 1,9 1,4 2,6 3,7 5,3 2 1,9 BIND Seguros BIND Seguros 0,5 1,3 8 4,4 3,0 Credicuotas 2,2 3,1 11,4 8,3 9,3 Credicuotas 0,5 1,8 1,4 1,8 2,2 3,6 Tienda Jubilo Tienda Jubilo 18,5 15,8 32,6 35,2 38,0 BIND Banco Industrial 84,7 85,3 104,5 88,9 116,9 BIND Banco Industrial 0,2 0,3 0,4 Poincenot 0,3 0,8 0,9 Poincenot 95,1 101,4 134,9 113,1 141,3 Total Total 26 29,6 51,9 50,6 48,5
EVOLUTION BOOK VALUE 1300% 1100% 900% 700% 500% 300% 100% dic-15 dic-16 dic-17 dic-18 dic-12 dic-13 dic-14 dic-11 Source: book value bloomberg
91 YEARS OF HISTORY COMPANIES IN THE GROUP 2019 2006 2010 2014 2016 2017 2018 2012 2013 2003 BRAND EVOLUTION OF THE BANK 2002 Banco Velox 1997 Perseverance is often more important than talent, even intelligence. 1996 Because not all who are intelligent succeed in this world. Persistent “ people always do . Because faith, thath faith can move mountains 1971 is our daily encouragement to succeed . 1928 Banco de Azul Bind Founder
EQUITY DISTRIBUTION AM 99% CED FFNOM 1% 3% 49,6% 47,4% 30% 70% 98% 2% 93,21% 6,79% 95% 5% 80% 51% 5% 95% 96,5% 85% 49% 47% 20% 3,5% 4% 15% BIND CORPORATE CONTROL STRUCTURE 49,6 AM (DIRECT VOTE) 47,4 CED (DIRECT VOTE) AM (TRUSTEE NOM VOTE) 3,0 TOTAL CED 49,6 TRUSTEE NOM (ECONOMIC RIGHTS) 3,0 TOTAL AM 50,4
BOARD P R E S I D E N T Carlota Durst de Meta V I C E P R E S I D E N T Andrés Meta D I R E C T O R D I R E C T O R D I R E C T O R D I R E C T O R Salvador José C. De Andrés Leonardo Pristera Los Santos Prida Dillenberger G E N E R A L M A N A G E R Gastón Eckelhart AUDITORÍA INTERNA Eugenia Blanco MANAGEMENT Facundo Vázquez Hernán Lede Gastón Eckelhart Bernardo Landa OPERACIONES CRÉDITOS Y NEGOCIOS LEGALES INFRAESTRUCTURA SEGURIDAD BANCA MINORISTA Y APROV. ESTRATÉGICO Celina Ranzenhofer Pablo Dautesfeld Ariel Saliturri Adrián Bressani TECNOLOGÍA Y SISTEMAS CONTROL GESTIÓN Y RIESGOS BANCA EMPRESA PREV. LAVADO DE DINERO INTEGRALES Inti Benites Alejandro Coscia Juan Pablo Cabrera Pablo Prieto PRODUCTOS NEGOCIOS INTERNACIONALES RIESGOS INTEGRALES Rosario Flores Vidal Gerardo Guastavino Florencia Balducci MARKETING BANCA FINANZAS Y Sebastián Uchitel SEGURIDAD DE LA INFORMACIÓN MERC. CAPITALES RSE / ATENCIÓN AL CLIENTE Marcelo Prilucas Javier Popowsky María Laura Visuara ADMINISTRACIÓN BANCA ZAFIRO Karina Yankilevich GDH
BOARD MEMBERS CEO Andrés Meta CSO COO CFO Leonardo Dillenberguer Facundo Vazquez Gastón Eckelhart EMPRESAS MINORISTA DIGITAL FINANZAS Alejandro Ariel Mario Javier Julieta Sebastián Ezequiel Ramón Facundo Carolina Augusto Coscia Salituri López Popowsky Sullivan Habif Weisstaub Menalled Vazquez Sullivan Fernandez Villa
COMMERCIAL STRATEGY - BIND BANCO INDUSTRIAL 3 BUSINESS UNITS BUSINESS BANKING CONSUMER BANKING CORPORATE BANKING Focused on trading of bonds and foreign Market leader in pension payment services. Focused on helping achieving working currency. capital needs. Serving over 390.000 pensioners, with a Ranked in the top 20 in foreign currency monthly flow over AR $3100 mm . Leading position in Factoring - with a and government bonds trades. market share of 3,5% . Personal Loans up to AR $3.400 mm “Investment grade” Risk Rating allows us (approximately 152.500 transactions). Has 2.300 direct customers and over to attract institutional investors deposits, 50.000 indirect SMEs customers. for about . Retail short-term deposits amounts AR AR $13.700 mm $4.800 mm . Loans & funding to SMEs amounts AR $5.200 mm y AR $2.000 mm , respectively . D I G I TA L B A N K I N G
HEADCOUNT BIND GROUP 659 16 17 82% 2% 2% IVSA 54 21 9 7% 3% 1% IAM 9 17 1% 2% 802 51% 49% Average Age Average Age 413 389 43 38
BRANCH NETWORK REGIONAL PRESENCE Branches Total ATM´S 36 36 70 Buenos Aires CABA Córdoba Mendoza Salta Santa Fe Tucumán 26 3 2 1 1 1 2 TOTAL: 36
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 improves towards positive. A + A 1 L O N G T E R M S H O R T T E R M Denotes a very strong credit capacity relative to other Indicates the strongest capacity for timely payment of issuers or issues in the same country. financial commitments relative to other issuers or issues in the same country.
TRADE SERVICES & TRADE FINANCE CROSS BORDER LINES PARTNERSHIP NEW! USD USD USD USD USD USD USD 4 M 21 M 15 M 6 M 8 M 65 M 7 M 2017 VS 2018 Best MULC Ranking #15 * Imports Volume 90% UTL + 20% CREDIT RATIO!!! LINES Total Volume Amt. + 15.000 TICKETS PROCESSED!!! USD 3bn Aprx. * Between 50 local financial institutions (Source BCRA)
API BANK The 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
CLIENT'S INFORMATIC SYSTEM PAYMENTS COLLECTIONS 4 1 5 7 2 $ API TRANSFER API CONCILIATION API DEBIT INMEDIATE DÉBITO 3 6 BIND ACCOUNT TRANSFER SUPPLIERS CUSTOMERS COLLECTOR Transfers, collections, and conciliations BANK ACCOUNT BANK ACCOUNT SUPPLIER CLIENT leveraging technology without human intervention, thus achieving relevant operational and cost efficiencies. apibank.bind.com.ar
bind INNOVA BIND INNOVA Annual 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 FINANCIAL MARKET Time to market Medium / long term Learn and observe Semi-defined scope Triggers and fosters Adopts new technologies a cultural change
Technology and data start-up that provides direct loans to small and medium-sized enterprises using a financial system featuring digital innovation .
INNOVATION IN DESIGN AND USER EXPERIENCE.
BIND VENTURES 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.
CUSTOMER EXPERIENCE NEW SPACE. COFFEE AND BANKING. First Bank in Latin America to integrate with Starbucks :)
INNOVATION TO COMMUNICATE
CORPORATE SOCIAL RESPONSIBILITY WE SUPPORT MORE THAN 150 INSTITUTIONS.
OUR BUSINESS UNITS
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 IAM MUTUAL FUNDS A Simple way of investing, minimizing risks. Fondo IAM Fondo IAM Fondo IAM Fondo IAM Fondo IAM Ahorro Pesos Renta Plus Renta Capital Renta Crecimiento Performance Fondo IAM Fondo IAM Fondo IAM Mercado Fondo IAM Abierto PyMes Renta Dólares Estrategia Renta Variable Fondos
• • • • • • • • • • Mercado Fondos ABOUT MercadoPago’s new investment feature MercadoPago (MercadoLibre’s mobile wallet) has recently launched a new feature that allows users to invest their money thru the app, thus facilitating and democratizing access to investment and financial products in Latin America The initiative was kick-started in Argentina together with Grupo BIND Key Figures The Mutual Fund is managed by BIND Inversiones Product and technology development co-developed with Grupo BIND BIND Banco Industrial Poincenot Fintech Studio BIND Inversiones As of to date: +AR$ 3.2 billion suscribed +178.000 investors
I N D U S T R I A L VA L O R E S o 4 o position 4 in Rofex Ranking , DEC 18. o o position 5 5 in ByMA Fixed Income Ranking (Senebi), 2 ˚ Half 2018 .
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