COMPANY PRESENTATION Octubre 2016 Banco Industrial focuses his - PowerPoint PPT Presentation

COMPANY PRESENTATION Octubre 2016

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 302.200 pensioners, with Ranked in the top 20 in foreign currency market share of 2,5% . a monthly flow over AR$1,900 mm. and government bonds trades. Has 2.300 direct customers and over Personal Loans up to AR$1,798 mm “Investment grade” Risk Rating allows 50.000 indirect SMEs customers. (approximately 205.672 transactions). us to attract institutional investors deposits, for about AR$3160 mm. Loans & funding to SMEs amounts Retail short-term deposits amounts AR$4,047 mm and AR$2,353 mm , AR$1,513 mm. respectively.

Sales & Trading Investment Banking Corporate Banking Consumer Banking Rates Debt Capital Markets Liquidity & Investments Current accounts, savings Equities Syndicated and Leveraged Payables Credit Cards Finance Foreing Exchange Receivables Insurance Equity Capital Markets Funds Factoring Loans Mergers and Acquisitions Investments Trade Service Valuations Trade Finance Corporate Finance Advisory

Branch Network Santa Fé Salta 3% Regional presence 3% Mendoza 3% Tucumán 7% Branches 12 Service Centers 19 Córdoba 10% Total 32 Capital Federal 10% ATM´s 65 Buenos Aires 64%

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 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.

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% 101,2% 102,6% 53,9% 50,0% 98,0% 100,0% 96,0% 44,1% 90,7% 90,5% 86,9% 42,9% 40,6% 38,2% 40,1% 40,0% 69,2% 79,2% 77,7% 72,8% 80,0% 77,4% 34,1% 31,3% 63,8% 29,0% 30,0% 60,0% 26,3% 20,0% 20,0% 40,0% 18,3% 17,5% 10,0% 20,0% 0,0% 0,0% 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% 12,7% 12,6% 12,3% 11,9% 12,0% 10,7% 10,9% 10,8% 10,1% 9,9% 10,0% 9,3% 9,3% 9,0% 19,7% 8,8% 18,6% 20,0% 16,2% 17,1% 16,1% 8,0% 15,9% 15,1% 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% 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% 17,1% 16,0% 16,0% 30,0% 25,8% 14,0% 24,0% 25,0% 13,9% 12,0% 20,4% 20,3% 20,0% 19,6% 18,4% 21,2% 9,3% 9,3% 10,0% 8,7% 20,4% 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% 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% 12,8% 12,7% 13,3% 14,0% 12,1% 12,1% 12,0% 12,1% 12,6% 12,0% 11,8% 10,6% 11,5% 12,0% 11,3% 11,9% 10,0% 10,6% 8,7% 9,2% 10,0% 10,9% 7,6% 9,7% 8,0% 8,7% 8,0% 8,0% 5,8% 6,0% 7,3% 6,0% 4,0% 5,0% 4,0% 2,0% 2,0% 0,0% 0,0% Source BCRA / Financial Statements Source BCRA and Financial Statements. Note: Calculated as the difference between assets yield and the cost of liabilities.

Top 20 bank in Trade Service, between 60 financial intitutions (*) VOLUME Rankings QUANTITIES Rankings CUSTOMS CLEARENCE Goods & Services # 19 Export # 17 Bind Nominations = 4500 Export # 17 Import # 14 Export 1000 Import # 15 Import 3500 TICKETS Quantity = 4200 VOLUME Amount = USD 1bn, aprx. Export 1150 Import 3050 (*) BCRA MULC´s statistics (1stH 2016)

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