2Q19 Investor RELATIONS In stitu tion al Presentation
Histori Historic Develop elopmen ments ts – Ban anco co Day ayco coval val Daycoval 50 th New Independent Anniversary 7 th Issuance of Member of the Board and new Local Bonds Officers Public offer for the acquisition of Shares and 1 st Trainee delisting from Level 2 Program Upgrade to BBB- by Fitch Syndicated loan (A/B Loan) of approximately US$ 200 Upgrade to Bovespa’s Level million 2 of Corporate Governance Second issuance of Local 2019 Bonds 2018 Issuance of 2017 USD 300mn in Eurobonds Issuance of 2016 BRL410mn in 2015 convertible bonds 2014 • Creation of the Daycoval Asset 2013 Management 6 th Issuance of Local IPO 2011 Bonds • Beginning of payroll- 2010 Public Tender Syndicated deduction activities Inauguration of Offer was Beginning of loan (A/B Loan) 2009 Daycoval’s 1 st successfully activities in Brazil of US$ 275 branch Issuance of USD500mn in concluded 2008 through Daycoval million bonds DTVM 5 th Issuance of 2007 4 th Issuance of Local Bonds Local Bonds 2006 Upgrade to Baa3 by Moody’s ( Letras Financeiras ) of R$ 350mn 2004 Issuance of USD 300mn 1994 in Eurobonds Acquisition of Banco CIT Brasil 1989 Issuance of Daycoval is the first bank to USD 225mn in 1968 issue public Local Bonds Eurobonds Beginning of auto 1952 loan activities Begin building comercial banking Maison Bancaire is portfolio founded by Salim Dayan in Lebanon 2
Client Experience Client Relations Ombuds mbudsman man Vir irtual tual As Assis istant tant | Technology Da Dayane ane Channel of last resort communication Improved Corporate and conflict mediation, has the client as o Daycoval Customer Service Chat; Client journey improvements Service through the the focal point of its activities. through investments based on creation of the Client o Use of Cognitive System x Artificial various technologies. Relations Department Intelligence, resulting in the creation (2017). of Dayane: Virtual Assistant , Channels serv rved connecting it with corporate Whatsapp, which will greatly facilitate In addition to the institutional channels, is our clients' access to queries, Activities based on responsible for issues received through transactions, investment information, Artificial three main pillars: the following bodies: account opening, foreign currency Inteligence Quality quotes and vehicle financing. Management • Central Bank of Brazil; • Procon; o • Analysis and monitoring of all Bank Consumer and Complaint Platforms; Blockchain service channels ; (Reclame Aqui) o Internal process improvements at all • Public Ombudsman's Offices (Payroll Loan); stages of a product's life cycle. • INSS and Ministry of Planning (SIGEPE) Platforms. APIs Regulatory Environment Banco Daycoval received the RA 1000 seal, awarded to companies with a “ very good ” o Central Bank Service and Internal Audit; reputation and high customer Big Data o Implementation of Febraban Self-Regulation Indicators; satisfaction level. o Client Relations and Data Processing policy training. Innovation o Implementation of new IVR (voice channels); o Service Design and Target Audience for New Products; o Creation and Development of BOT Service for all products; + 14 thousand interactions in all service o Management and Improvements for Institutional Service Channels channels (month of July/2019) 3
Recent initiatives Partnership with MASP Daycoval Blog o Daycoval seeks to share with its o Product News employees practices that encourage o Content about Currency, culture, supporting the São Paulo Art Investment and the Economy Museum (MASP). o Financial Education o Comments, perspectives and tips from the Bank's Managers themselves. FGV Room “ Circuito das Estações ” Running o The Bank strives to value the well- being of its employees through benefits o Sponsorship of the that provide a higher quality of life. Getúlio Vargas Foundation room. o Participation of more than 400 Daycoval Group employees, family members and guests. 4
Human Resources Employees 2,169 (June/2019) 49% 51% Attraction and Wellness and Quality of GPTW Training and Education Selection Life Daycoeduca Program Voted one of the Best Benefits beyond the Trainee Program Companies to work Collective Bargaining Offers undergraduate, (2017/18) for in 2018. Agreement: Postgraduate or MBA scholarships. Recruitment enabling career Support Program 25,000+ hours Training changes For employees and In the fields of IT, money laundering of training internally. dependents, in social, prevention, sustainability, custody, psychological, (last 12 months) certifications and risk management. Trainee Program 5.0 legal, financial, social (2018) security and chemical Educational Lectures dependence issues, with Nutrition, Billing, Physical Activity, total confidentiality Annual Client Service guaranteed. Performance Macroeconomic Scenario, Teamwork, Evaluation Labor gymnastics non-violent Communication and Mindfulness. Free Music Lessons (Musicantes Project) Running sponsorship 5
Cor orpo porate te Go Gover erna nanc nce Professional Board of Directors Board of Executive Officers management team Sasson Dayan Chairman Years at at Name / / Titl tle Day Dayco coval Carlos Mo Moch che Day Dayan, Executive Officer - Salim Dayan Morris Dayan Rony Dayan Mo Morris Da Dayan, Executive Officer - Salim Day Dayan, Executive Officer - Member Member Member Albert Al t Rou Rouben, Operations Officer 26 Alexandre Rhe Al Rhein, IT Officer 13 Gustavo Franco Sergio Clemente Al Alexandre Teixeira, Vehicles Officer 13 Claudinei Ap Aparecido Pe Pedro, Commercial Officer 19 Independent Independent Member Member Edu Eduardo Campos, Foreign Exchange Officer 10 El Elie Ja Jacq cques Miz Mizrahi, Commercial Officer 16 Erick Erick W. W. de de Carvalho, Capital Market Services Officer 1 Ownership Structure Ma Maria Re Regi gina R. R.M. Nogu gueira, Controller 29 Nilo Cavarza zan, Payroll Loans Officer 15 Controlling Pa Paulo Au Augu gusto Saba, Treasury and Markets Officer 4 Shareholders Family ownership Ri Rica cardo Gelbaum, IR and Institutional Officer 7 ensuring a long-term view 100% 230,820,429 Total Commom Shares 6 3
Financial Highlights 2Q19 and 1H19 Net In Income me ROAE AE Exp Expanded Loan Loan Portfoli lio R$ $ 378.7 378.7 mi million in 1H19 +29.8% +29.8% 22.0% 22.0% in 1H19 +3.3 +3.3 p.p .p. R$ $ 21.6 21.6 billion in 2Q19 +35.7% +35.7% 1H19 vs. 1H18 1H19 vs. 1H18 25.7% 25.7% 378.7 378.7 2Q19 vs. 2Q18 23.6% 23.6% 22.0% 22.0% 21.6 21.6 291.7 291.7 19.6% 19.6% 19.9 19.9 19.7 19.7 18.5% 18.5% 18.7% 18.7% 15.7% 15.7% 215.6 215.6 17.5 17.5 19 194.2 4.2 16.0 16.0 159.9 159.9 163.1 163.1 126.3 126.3 2Q18 2Q 18 3Q18 3Q 18 4Q 4Q18 18 1Q19 1Q 19 2Q19 2Q 19 1H18 1H 18 1H19 1H 19 2Q 2Q18 18 3Q 3Q18 18 4Q18 4Q 18 1Q19 1Q 19 2Q19 2Q 19 1H18 1H 18 1H19 1H 19 2Q 2Q18 18 3Q 3Q18 18 4Q 4Q18 18 1Q 1Q19 19 2Q19 2Q 19 LLP/E P/E-H Portfoli lio NPLs PLs (90 90 days) ys) NIM IM - AR AR Basel Ba sel Ra Ratio io 104.9% 104.9% in 2Q19 -0.3 0.3 p.p .p 12.9% in 1H19 -0.6 12.9% 0.6 p.p .p. 1.7 1.7% in 2Q19 -1,5 1,5 p.p .p 16.0% 16.0 % in 2Q19 +0.2 p.p +0.2 .p. 1H19 vs. 1H18 2Q19 vs. 2Q18 2Q19 vs. 2Q18 2Q19 vs. 2Q18 11 110.8 0.8% 13.8% 16.0% 16 .0% 16.0% 16 .0% 3.2% 3.2% 13.5% 15.8% 15.8% 105.2% 107.9% 107.9% 12.9% 13.2% 13.1% 12.9% 105.2% 10 104.9 4.9% 12.9% 104.5% 104.5% 2.8% 2.8% 15.0% 15.0% 14.7% 14.7% 2.4% 2.4 1.7% 1.7% 1.6% 1.6% 2Q 2Q18 18 3Q 3Q18 18 4Q 4Q18 18 1Q 1Q19 19 2Q 2Q19 19 1H 1H18 18 1H 1H19 19 2Q18 2Q 18 3Q 3Q18 18 4Q18 4Q 18 1Q 1Q19 19 2Q 2Q19 19 2Q18 2Q18 3Q18 3Q18 4Q18 4Q18 1Q19 1Q19 2Q19 2Q19 2Q 2Q18 18 3Q 3Q18 18 4Q18 4Q 18 1Q19 1Q 19 2Q 2Q19 19 7
Expanded Loan Portfolio Loan Portfolio Breakdown Chg. % Chg. % R$ million 2Q19 1Q19 2Q18 3 months 12 months 2 nd quarter of 2019 Companies 8,649.6 8,070.0 7.2% 6,939.5 24.6% 68.4% 68.4% Companies Companies Receivables Purchase 3,316.9 2,911.9 13.9% 1,809.1 83.3% Leasing 967.8 858.3 12.8% 670.5 44.3% Avals and Sureties 1,872.8 1,554.4 20.5% 904.6 107.0% Payr ayroll oll Loans Loans 27.2% 27.2% 10.5% 43.4% Total Expanded Companies 14,807.1 13,394.6 10,323.7 Payroll Loans 5,422.4 5,217.7 3.9% 4,616.6 17.5% 4.2% 4.2% Auto uto Loans Loans Payroll Card 420.7 8.2% 349.3 30.3% 455.0 4.2% 18.4% Total Payroll Loans 5,877.4 5,638.4 4,965.9 Others Other Total Auto Loans + Others 907.4 821.1 10.5% 621.7 46.0% 0.2% 0.2% 1.5% 24.2% Property Guaranteed Credit 53.4 52.6 43.0 Total Expanded Loan Portfolio 21,645.3 19,906.7 8.7% 15,954.3 35.7% Expanded Loan Portfolio Distribution 21,645 21,645 19,907 19,907 19,711 19,711 R$ Million 17,548 17,548 16,033 16,033 15,954 15,954 15,654 15,654 14,078 14,078 13,860 13,860 2Q17 2Q 17 3Q17 3Q 17 4Q17 4Q 17 1Q 1Q18 18 2Q 2Q18 18 3Q 3Q18 18 4Q 4Q18 18 1Q 1Q19 19 2Q 2Q19 19 8
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