bbva colombia colombia the ir recognition granted by bolsa de valores de colombia s.a. (the...
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Corporate Information 2016
BBVA Colombia
The IR Recognition granted by Bolsa de Valores de Colombia S.A. (the Colombian Stock Exchange) is not a certification of the registered securities or the solvency of the issuer.
2
3
1. History
2. Organizational
Structure
3. BBVA in Colombia
4. Main Figures
5. Contact
Index
4
1. History
2. Organizational
Structure
3. BBVA in Colombia
4. Main Figures
5. Contact
Index
1956 1980
Capital Share (1)
1992
Banco Ganadero was set up as private
bank
1996
Banco Ganadero was set up
1998
BBV Acquired
49.15% of the capital
share.
BBV and
Argentaria announced
their merger
70%
30%
BBVA became the
owner of 85.1% of the Shares
BBVA increased
its ownership
to 95.2% of the shares.
BBVA Ganadero changed it’s name
to BBVA Colombia
BBVA merged with
Banco GranAhorrar
BBV acquired 34.70% of the share and merged with Banco Ganadero.
2000 2001 2004 2006
Private
Public
Caja Agraria
Our History
1990
1999 2016
90%
10%
Private
Public 1%
(1) https://www.bbva.com/es/noticias/economia/bbva-colombia-60-anos-historia/
Today’s Capital share
19%
76%
5%
5
6
1. History
2. Organizational
Structure
3. BBVA in Colombia
4. Main Figures
5. Contact
Index
Structure
Chief Executive Officer Óscar Cabrera Izquierdo
Executive VicePresidencies
Corporate & Investment Banking
DAVID REY BORDA
Commercial Network HERNANDO RODRIGUEZ
SANDOVAL
Talent & Culture JOSE ALBERTO HERNANDEZ
MERINO
Engineering JOSE MARIA
JIMENEZ TUÑON
Business Development PEDRO BUITRAGO M
Finance FELIX PEREZ PARRA
Global Risks Management ROCIO PEREZ MIES
Staff
BBVA Reseach JUANA PATRICIA TELLEZ
CORREDOR
Internal Audit FÉLIX ARMANDO CARDONA
LOPEZ
Comunnications MAURICIO FLORES M
Legal & Compliance,/ General Secretary
ULISES CANOSA S
8
1. History
2. Organizational
Structure
3. BBVA in Colombia
4. Main Figures
5. Contact
Index
29%
71%
25%
75%
Participation in Colombia - Assets
We´re focus on the Local Market
(1) Source: Annual report of each bank
100% 78%
22%
57% 43%
PEER 1 PEER 3 PEER 2
Mexico
Spain U.S.A
Turkey
Colombia
Argentina
Peru Chile
Rest of EuroAsia
4%
3%
6%
6%
14%
11%
46%
3%
7%
Net Interest Income Income Participation
TOTAL: 10.997 Mm
TOTAL: € 771 Mm
63%
37%
(2) It doesn´t include Corporative Cente, Figures Dic-16 r
% Colombia in Latin America
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ASSIGNED PROFIT (2)
Relevant franchise for the Group in South America
100% Focus only in
local market
Our Bank…
ATM’s
1.339
Employees
6.097
Banking Agents
4.755
Branch Offices
527
Note: Include Commercial Branches, Agencies, Service Center, Minibanks, Inhouse
Population Density
1 – 2MM
2 – 4MM 4 – 6MM >6MM
< 1MM
1
Amazonas
113
Bogotá
49
Antioquia
2
Arauca
2
Caquetá
6
Casanare
2
Cauca
26
Atlántico
11
Bolívar
7
Boyacá
8
Cesar
1
Chocó
10
Córdoba
17
C/marca
Guainía
Guaviare
6
La Guajira 7
Magdalena
6
Nariño
8
Norte de Santander
7
Huila
2
Putumayo
5
Quindío
7
Caldas
11
Risaralda
1
San Andrés y Providencia
21
Santander
3
Sucre
9
Tolima
45
Valle del Cauca
Vaupés
1
Vichada
9
Meta
10
An important evolution in our Digital
Sales Ratio
% of sales in Digital Channels
Consumer
CDT Accounts
TC
0.70
1.99 4.40
5.85
2.50
8.35
1.20
9.31
Cotinue working in Digital Experience:
Attraction of digital clients
Retaining digital clients
9.2% 10.3%
9.4%
12.1% 13.6%
15.3% 16.5%
17.3%
16.1%
18.5% 19.7%
21.2%
Mobile Customers Digital Customers
12
1. History
2. Organizational
Structure
3. BBVA in Colombia
4. Main Figures
5. Contact
Index
SME’s and
Commercial
Banking
Retail
Banking
Corporate,
Investment
Banking and
Treasury
Asset
Management
Consumer
Finance
Payment Means
Multi-Line business platform
Lines of business
o High-Income Segment:
Differentiated Service
Expanded Sales
Force
Specialized Services
We´ve a difersified
portfolio to cope with
the economic cycle
Share Evolution
2%
6%
20%
0% 0.1%
5%
0%
21% 21%
15% 16%
26%
1996 2005 2016
5%
8%
13%
6% 5%
9%
6%
12%
14%
2%
8%
14%
1996 2005 2016
Mortgages Consumer
Growing in the Market Share
3%
26%
46%
12%
1% 12%
Consumer Line 2016
Payroll
Loan
Healthcare
Employees
Teachers
Pensioners
Military
Public
Sector
Payroll our Leading
Product…
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Diversified and Growing Business
13%
43%
44% 45%
35%
20%
1996 2016
24%
52%
24%
2005
Funding Mix
Year-on-year growth by type of deposit
13.5%
10.9%
8.7% 9.7%
11.3%
1996 2000 2005 2010 2016
Checking Accounts
5.1%
7.6% 7.9%
11.0% 10.6%
1996 2000 2005 2010 2016
Saving Accounts
3.4%
6.0%
8.1% 7.3%
13.4%
1996 2000 2005 2010 2016
Term Deposits
We follow the
liquidity
standards of
BASEL III
Stable Equity at consolidated level
BBVA Colombia has a solvency ratios as good
as its peers.
Source: Annual report of each bank
4.5
7.0
4.5
5.9
CET1
Additional
Tier 1
/ Tier 2
Total Capital
Ratio 9%
Total Capital
Ratio 12.9%
13
.57
13
.37
13
.02
12
.72
12
.46
12
.96
13
.16
13
.47
11
.70
12
.20
11
.80
11
.60
13
.59
13
.72
13
.00
14
.40
BBVA Peer 1 Peer 3 Peer 2
Risk Profile
Emisor Cupon Moody´s Fitch
Peer 1 5.125 Ba2 BBB-
Peer 2 5.375 Ba2 BBB-
Peer 2 6.250 Ba2 BBB-
Peer 3 5.875 Ba2 BBB-
BBVA 4.875 Baa3 BBB
We have the best
credit rating on
the market
Debt Rating
Risk premium Default ratio
1.36 1.43
1.65
Dec-14 Dec-15 Dec-16
1.43 1.58
2.02
Dec-14 Dec-15 Dec-16
18
1. History
2. Organizational
Structure
3. BBVA in Colombia
4. Main figures
5. Contact
Index
19
Contact
E-mail: [email protected] Investor Relations Team: Germán Rodríguez Perdomo [email protected] Finance - ALM & Treasury Katherine García Tel 3471600 ext 11286 [email protected] IR – Senior Officer Bogotá, Colombia. BBVA Colombia S.A.
The IR Recognition granted by Bolsa de Valores de Colombia S.A. (the Colombian Stock Exchange) is not a certification of the registered securities or the solvency of the issuer.