3Q19 Investor RELATIONS In stitu tion al Presentation
Strategy oriented by Digital Transformation Busine siness ss Center ter Custo stome mer r Experi rience Conse serva rvati tism sm in Capital tal Str tructure ture Basel Ratio 15.8% in 3Q19 Innovations and Technology generating gains in scale and operating efficiency Client Solid Earning rnings s Generati ration Conti tinued Cred redit t Port rtfoli folio Growth rowth and Str trong Ori riginati tion Capacity ty ROAE 29.5% in 3Q19 ROAA 3.5% in 3Q19 R$ 24 billion in 3Q19 Net Profit + 10.4% in 3 months R$ 268 MM in 3Q19 + 36.2% in 12 months Dayc ycova val Digital tal - Open Platf tform rm R$ 647 MM in 9M19 Daya yane - Art rtificial Inte Intelligence APP Payro yroll and and Auto to Loans Loans Comfortab mfortable Ass sset-Liability Str trict expense se contr trol and and Matc Matching leve vels Comp mpanies Loans Loans (mi migrati ration to to Digital) tal) imp mprov roved Eff fficiency R$ 20 billion of Funding 32.7% Efficiency Ratio in 3Q19 R$ 2.5 billion Free Cash Technology Businesses Dive versi rsifi ficati tion of f Prod roduct t and High Financial Marg Margin Servi rvices s and Reve venues 70% Companies Loans 13.2% NIM in the quarter 26% Payroll Loans 4% Auto Loans 2
In Inno nova vation tion and and Digital igital Tran ansf sfor orma mation tion Recognition | Da Dayane Vir irtual l Assi Assist stant Verification of Receivables X Artificial Intelligence o Daycoval won the international Innovation Award 2019 - Virtual Assistants (Cloud Platform Winner 2019 - Digital Assistant) from o Using Artificial Intelligence for Automatic Oracle, a world reference in digital platform development, one of the Receivables Verification and Release. highlights among financial companies featuring its virtual assistant Dayane. + 200 thousand interactions in all service channels (9 months) o For unapproved cases, the business manager receives the information instantly and seeks best solution to conclude the process. Artificial Operational Intelligence Efficiency Payroll App Created in September Focus on Customer 2018, based on a Financial and Experience greater Vehicles project. speed in the Bank's o The Payroll App was created with the goal of delivering internal processes. simple and fast solutions to our clients while also speeding up the origination. Client Service Integrated with o The APP makes it possible to simulate and contract loans Expansion Whatsapp and financing lines. o Customer Service o Foreign currency exchange o Refinancing. o Ombusdman rates, o Monitor proposals. o Payroll Loans o Sending of payment receipts; o Investments o Service by Daycoval Investe o Perform Registration Update. o Dayconnect professionals. o At the end of 3Q19, we originated more than R$ 150.0 o Foreign Exchange million through this channel. 3
In Inno nova vation tion and and Digital igital Tran ansf sfor orma mation tion Daygiro and Girofácil Online APP | Vehicles o APP PromAuto - was developed for the digital journeys of stores and o Daygiro FGI is a working capital line for small- and medium-sized Banking Correspondents for vehicle financing. enterprises without the need for a real guarantee, up to R$ 500,000, and o Through PromAuto APP, stores can conduct simulations, fill out and has the support of the BNDES. send client proposals, from where the journey begins. This proposal is sent to the Banking Correspondent, who in turn carries out prior Credit o The prerequisites for contracting a loan are: Annual revenues of R$ 1 analysis and then forwards the proposal to the Credit Desk. million up to R$ 90 million; minimum of 5 years in operation after incorporation; and for limited liability companies (LTDA.), joint-stock (S.A.) and others comprised of partners, not being valid for MEI companies or individual entrepreneurs. o In March 2019, the Bank launched it Girofácil Online feature. Through this new digital channel it is possible to carry out simulations and contract this product. 4
Recent initiatives Workplace Musical | Children's Day o New internal communication tool for o In celebration of Children's Day, the Bank hosted a special and exclusive sharing information, knowledge, courses, live streaming and recorded session of the Peter Pan musical production. Some 1,500 employees videos, event reports, work group and special project creation. and their families participated. o This was the 5 th consecutive year that Daycoval has run this event. Outubro Rosa Daycovida o Quality of life program based on 4 pillars: o Every year, Banco Daycoval wears pink in support of “Outubro Rosa”, the month dedicated to raising awareness of breast cancer control. 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 Dayco Day 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 Al Alexandre Rhe 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 Eduardo Campos, Foreign Exchange Officer Edu 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 Maria Re Ma 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 Rica Ri cardo Gelbaum, IR and Institutional Officer 7 ensuring a long-term view 100% 230,820,429 Total Commom Shares 6
Financial Highlights 3Q19 and 9M19 ROAE AE Net In Income me Expanded Loan Exp Loan Portfoli lio R$ $ 647.1 647.1 mi million in 9M19 +33.2% +33.2% 29.5% in 3Q19 +11.0 29.5% +11.0 p.p .p. R$ $ 23.9 23.9 billion in 3Q19 +36.2% +36.2% 9M19 vs. 9M18 3Q19 vs 2Q19 3Q19 vs. 3Q18 647.1 647.1 23.9 23.9 29.5% 29.5% 25.7% 25.7% 21.6 21.6 268.3 268.3 485.9 485.9 24.6% 24.6% 23.6% 23.6% 19.9 19.9 20.4% 20.4% 19.7 19.7 19.6% 19.6% 215.6 215.6 18.5% 18.5% 194.2 194.2 17.5 17.5 159.9 159.9 163.1 163.1 3Q18 3Q 18 4Q18 4Q 18 1Q19 1Q 19 2Q 2Q19 19 3Q19 3Q 19 9M18 9M18 9M19 9M19 9M18 9M18 9M19 9M19 3Q 3Q18 18 4Q18 4Q 18 1Q19 1Q 19 2Q 2Q19 19 3Q 3Q19 19 3Q 3Q18 18 4Q 4Q18 18 1Q 1Q19 19 2Q19 2Q 19 3Q19 3Q 19 LLP/E P/E-H Portfoli lio NPLs PLs | 90 90 days ys Basel Ba sel Ra Ratio io 148.4 148.4% % in 3Q19 +18.2 18.2 p.p .p 1.7% in 3Q19 -1.1 1.7% 1.1 p.p .p 15.8% 15.8 % in 3Q19 +0.8 p.p +0.8 .p 3Q19 vs. 3Q18 3Q19 vs. 3Q18 3Q19 vs. 3Q18 148.4% 148.4% 2.8% 2.8% 16.0% 16.0% 16.0% 16.0% 15.8% 15.8% 2.4 2.4% 15.0% 15.0% 133.0% 133.0% 12 129.8 9.8% 130.2% 130.2% 14.7% 14.7% 125.0% 125.0% 1.7% 1.7% 1.7% 1.7% 1.6% 1.6% 3Q 3Q18 18 4Q 4Q18 18 1Q 1Q19 19 2Q 2Q19 19 3Q 3Q19 19 3Q 3Q18 18 4Q18 4Q 18 1Q 1Q19 19 2Q 2Q19 19 3Q19 3Q 19 3Q18 3Q 18 4Q 4Q18 18 1Q 1Q19 19 2Q 2Q19 19 3Q 3Q19 19 7
Expanded Loan Portfolio Loan Portfolio Breakdown Chg. % Chg. % R$ million 3Q19 2Q19 3Q18 3 months 12 months 3 rd quarter of 2019 Companies 9,514.0 8,649.6 10.0% 7,504.9 26.8% 69.7% 69.7% Companies Companies Receivables Purchase 3,674.3 3,316.9 10.8% 2,567.4 43.1% Leasing 1,109.3 967.8 14.6% 760.0 46.0% Avals and Sureties 2,364.5 1,872.8 26.3% 1,024.4 130.8% Payr ayroll oll Loans Loans 25.8% 25.8% 12.5% 40.5% Total Expanded Companies 16,662.1 14,807.1 11,856.7 Payroll Loans 5,700.6 5,422.4 5.1% 4,618.0 23.4% Payroll Card 473.3 455.0 4.0% 366.6 29.1% 4.2% 4.2% Vehic ehicles les 5.0% 4,984.6 23.9% Total Payroll Loans 6,173.9 5,877.4 Total Auto Loans + Others 1,009.5 907.4 11.3% 661.0 52.7% Other Others 0.3% 0.3% 1.5% 46.0 17.8% Property Guaranteed Credit 54.2 53.4 Total Expanded Loan Portfolio 23,899.7 21,645.3 10.4% 17,548.3 36.2% Expanded Loan Portfolio Distribution 23,900 R$ Million 21,645 19,907 19,711 17,548 16,033 15,954 15,654 14,078 3Q 3Q17 17 4Q17 4Q 17 1Q 1Q18 18 2Q 2Q18 18 3Q 3Q18 18 4Q 4Q18 18 1Q 1Q19 19 2Q 2Q19 19 3Q 3Q19 19 8
Companies Portfolio By Product (%) +40.5% +12.5% Working ing Ca Capit ital/ / R$ Million 44% 44% 16,662 Guaranteed Ac Account 14,807 13,622 22% 22% Receiv ivables les Pur Purchase se 13,395 11,857 14% 14% Avals vals and and Sur Sureties ies Trade Fina inance 12% 12% 6% 6% Leasi sing 2% 2% BNDES BNDES 3Q18 4Q18 1Q19 2Q19 3Q19 Co Coll llateral - % Outstanding Operation - % Sep Sep/1 /19 Sep Sep/1 /18 Sep/1 Sep /18 Sep Sep/1 /19 3% 3% 3% 3% Receivables 2%1% 1% 2% 2% 2% 2%1% 1% 3% 3% 2% Real State 16% 16% 15% 15% 3%6% 6% 3% 5% 5% Equipments/Foreign Goods 8% 8% 14% 14% Financial Investments 12% 12% 82% 82% 72% 72% 69% 69% 81% 81% Vehicles Agricultural Products Up to 12 months 1 to 3 years 3 to 5 years Others 9
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