(brief presentation)
|
|
- Angelica Stephens
- 5 years ago
- Views:
Transcription
1 (brief presentation)
2 DISCLAIMER This document is not an offer of securities for sale in the United States, Canada, Australia, Japan or any other jurisdiction. Securities may not be offered or sold in the United States unless they are registered pursuant to the US Securities Act of 1933 or are exempt from such registration. Any public offering of securities in the United States, Canada, Australia or Japan would be made by means of a prospectus that will contain detailed information about the company and management, including financial statements. The information in this presentation has been prepared under the scope of the International Financial Reporting Standards ( IFRS ) project of BCP Group for the purposes of the preparation of the consolidated financial statements under Regulation (CE) 1606/2002. The figures presented do not constitute any form of commitment by BCP in regard to earnings. 2
3 Highlights Operating income growth in Portugal. International operations continue to show strong growth. Sustained volumes growth, mainly on deposits. Impairment increase in line with current cycle and due to collateral revaluation. Capital position able to support franchise growth in core markets. 3
4 Net income and operating before cost of risk (Eur million) Net Income % Portugal (Excluding specific items) Net Income -38.6% % Specific Items*: - BPI stake (-215.7m); - Reduction of variable remuneration accrued in 2007 (+13.2m). Operating Profit +9.8% % Q08/3Q07: -Net impairment and provisions up 73.0%. 3Q08/2Q08: -Dividends 28.0 m and other provisions +28.6m. International *** 3Q07 3Q07 3Q % 3Q08 Operating profit ** % * Net of taxes ** Excluding impairment and provisions *** Contribution to consolidated net income Total Poland Greece Romania Mozambique Angola Other
5 Top line growth supported by core revenues (Eur million) Operating Income 1, % 2,062.6 Portugal Capital markets related Core operating income , % +7.8% ,752.2 Capital markets related Core operating income 1, % 1, , % 1, % International Capital markets related Core operating income % * Capital markets related Core operating income % +22.7% * Including dividends: 27.6 millions Core Operating Income: Net interest income + Dividends + Banking related commissions and other operating income Capital Market Related: Trading + Market related commissions Excluding specific items 5
6 Positive intermediation margin performance in spite of adverse financial market conditions (Eur million) Intermediation Margin Dividends 1, % 1, Portugal Net interest income 1, % 1, % Quarterly Net Interest Income % International % NIM 2.04% 2.01% 2.05% 2.07% 2.00% 6
7 Core banking commissions growing yoy and stable qoq Lower capital markets related commissions (Eur million) Commissions % Portugal Capital markets related % Capital markets related % Core banking business % Core banking business % % International Capital markets related Capital markets related % Core banking business Core banking business % % Excluding specific items 7
8 , Increase in operating costs due to network expansion plan (Eur million) Operating Costs Depreciation Administ. 1, % +3.1% +6.2% Portugal % Staff % % International Depreciation Administ % Staff Excluding specific items 8
9 Better operating profitability (Eur million) Operating Profit (excluding dividends) Portugal +9.5% % International % Excluding specific items 9
10 International operations: expanding footprint in the most profitable markets Number of branches Other Greece Poland Q thousand new clients acquired in 2006, 2007 and at an accelerating rate with the loading of the new branches; 268 branches opened after 2005 (less than three years); 138 branches opened after 2005 in Poland; 56 branches opened after 2005 in Greece. 10
11 Double digit growth in volumes in both loans and customer funds (particularly as regards on balance-sheet funds) (Eur million) Mortgage Consumer loans 64,236 24,505 4,524 Loans to Customers * (gross) +13.2% 66,873 25,503 4,645 72,728 27,872 4,948 Off BS Customers Funds 61,339 Customers Funds +9.1% 63,953 66,897 18,598 19,014 15, % Loans to companies 35,207 36,725 39,908 On BS Customers Funds ** 42,325 45,355 50,971 Securitized Loans Sep07 Dec07 Sep08 3,340 3,126 2,723 Sep07 Dec07 Sep08 * Excluding securitized loans ** Includes: deposits, certificates of deposits and debt securities placed with customers 11
12 Mortgage loans portfolio LTV and spreads Portugal Nominal House Prices change Spreads evolution and average LTV's LTV Spread OP 2007 vs ,5% 81,2% 78,8% 78,5% 78,2% 77,4% 76,1% Spain 133% Ireland 65% 0,71% 0,83% 0,93% 0,89% 0,90% 0,89% Portugal 18% 0,71% 3Q07 4Q07 1Q08 2Q08 Jul08 Ago08 Sep08 Poland Greece New production 68% New production (2008) 60% New production spread 1.14% New production spread 0.94% Portfolio (before revaluation) 72% Portfolio 59% 12
13 Credit quality deteriorating in line with current economic cycle, and increasing cost of risk also due to lower market value of collaterals (Eur million) Credit Quality Impairment charges as % of Total Loans Annualized Impairment coverage > 90 days Overdue ratio > 90 days 227.6% 0.8% 236.2% 0.8% Gross Impairment charges as % of Total Loans Total overdue < 90 days > 90 days Impairment net of Recoveries as % of Total Loans 0.40 Sep07 Sep08 1Q07 2Q07 Impairment models force higher risk charges as market values collaterals decreases, even when the loan remains current. 13
14 Liquidity position Wholesale funding (Eur billion) Maturity and concluded issues Accumulated values 3.7 Highly liquid assets Increase until September 08 of 3.8 bn Total portfolio expected at year end 2008 of 5.3 bn (E) 1Q09 2Q09 Refinancing needs of long term debt Concluded operations (including rights issue) 14
15 Strong effort on managing the commercial gap (Eur billion) Evolution since September 07 Loans to on balance sheet funds ,8% 151,4% 142,7% +13.2% +20.4% Loans On BS funds Positive commercial gap of 154 million Improvement of 9.1 percentage points 15
16 Millennium bcp in a non recurrent year Notwithstanding, own funds and solvency reinforced (Euro Million) Solvency ratio 1 Total Tier 1 Core Tier 1 8.9% 5.1% 4.2% 10.9% 7.5% 6.3% 11.2% 7.8% 6.5% 10.8% 7.4% 6.1% Estimated additional impact of the implementation of IRB Advanced (Basel II): Core Tier I: +78bp Tier I: +110bp Total: +195bp 4,199 4,364 4,103 2,740 Core Tier 1 Mar 08 Jun 08 Sep 08 Sep 08 Proforma 2 RWA 3 65,299 66,862 66,976 66, According to the criteria of the Bank of Portugal, Core Tier 1 excludes the deduction related to financial stakes. Figures presented for March 2008 and June 2008 on a comparable basis. 2. Proforma capital ratios include the impact related with pension fund, particularly the full impact of the assets devaluation until 30 September 2008 and the deviations and changes in actuarial assumptions. 3. RWA = Risk Weighted Assets. 16
17 Investor Relations Division: Pedro Esperança Martins, Head of Investor Relations Francisco Pulido Valente Tl: Banco Comercial Português, S.A., a public company (sociedade aberta) having its registered office at Praça D. João I, 28, Oporto, registered at the Commercial Registry of Oporto, with the single commercial and tax identification number and the share capital of EUR
Earnings Presentation 1 st Quarter 2007
Earnings Presentation 1 st Quarter 2007 Brief presentation May 12, 2008 Disclaimer This document is not an offer of securities for sale in the United States, Canada, Australia, Japan or any other jurisdiction.
More informationAgenda. Main Highlights. Group. Liquidity. Capital. Profitability. Portugal. International operations. Conclusions
DISCLAIMER This document is not an offer of securities for sale in the United States, Canada, Australia, Japan or any other jurisdiction, Securities may not be offered or sold in the United States unless
More informationAgenda. Main Highlights. Group. Capital. Liquidity. Profitability. Portugal. International operations. Conclusions
DISCLAIMER This document is not an offer of securities for sale in the United States, Canada, Australia, Japan or any other jurisdiction, Securities may not be offered or sold in the United States unless
More informationEARNINGS PRESENTATION
EARNINGS PRESENTATION 1H 2015 JULY 2015 Disclaimer This document is not an offer of securities for sale in the United States, Canada, Australia, Japan or any other jurisdiction. Securities may not be offered
More informationAgenda. Main Highlights. Group. Liquidity. Capital. Profitability. Portugal. International Operations. Conclusions
DISCLAIMER This document is not an offer of securities for sale in the United States, Canada, Australia, Japan or any other jurisdiction. Securities may not be offered or sold in the United States unless
More information3 rd QUARTER 2010 ACTIVITY REPORT
Reuters>bcp.Is Exchange>MCP Bloomberg>bcp pl ISIN PTBCP0AM00007 In accordance with Article 10 of the CMVM Regulation nr.5/2008 we are pleased to transcribe the 3 rd QUARTER 2010 ACTIVITY REPORT BANCO COMERCIAL
More informationIn accordance with Article 10 of the CMVM Regulation nr.5/2008 we are pleased to transcribe the BANCO COMERCIAL PORTUGUÊS, S.A.
Reuters>bcp.Is Exchange>MCP Bloomberg>bcp pl ISIN PTBCP0AM00007 In accordance with Article 10 of the CMVM Regulation nr.5/2008 we are pleased to transcribe the 1 ST QUARTER 2011 ACTIVITY REPORT BANCO COMERCIAL
More informationAgenda. Main Highlights. Group. Capital. Liquidity. Profitability. Pension fund. Portugal. International operations. Conclusions
DISCLAIMER This document is not an offer of securities for sale in the United States, Canada, Australia, Japan or any other jurisdiction, Securities may not be offered or sold in the United States unless
More informationEARNINGS PRESENTATION
EARNINGS PRESENTATION FY 2014 FEBRUARY 2015 Disclaimer This document is not an offer of securities for sale in the United States, Canada, Australia, Japan or any other jurisdiction. Securities may not
More informationEARNINGS PRESENTATION
EARNINGS PRESENTATION FULL YEAR 2015 FEBRUARY 2016 Disclaimer The information in this presentation has been prepared under the scope of the International Financial Reporting Standards ( IFRS ) of BCP Group
More informationMillennium bcp earnings release as at 31 March 2015
4 May 2015 Millennium bcp earnings release as at 31 March 2015 Profitability Return to profits Return to profits. Net profit at Euro 70.4 million in the 1 st quarter of 2015, compared with Euro 40.7 losses
More informationResults for for the period period from from 4 August 31 December March 2015
Results for the period from 4 August to 31 December 2014 9 March 2015 Agenda 1. Main Highlights 2. Funding and Liquidity 3. Capital 4. Asset Quality 5. Sale of BESI 6. Results 7. Summary Appendix I: Detailed
More informationPress-Release. first quarter of 2009 compared with Euro 14.7 million in the first quarter of 2008
11 May 2009 Consolidated net income of Euro 106.7 million in the first quarter of 2009 compared with Euro 14.7 million in the first quarter of 2008 HIGHLIGHTS Consolidated net income of Euro 106.7 million
More informationMillennium bcp earnings release as at 30 June 2015
27 July 2015 Millennium bcp earnings release as at 30 June 2015 Profitability Profits reinforced Net profit at Euro 240.7 million in the 1 st half of 2015, compared to Euro 62.2 million losses in the same
More informationMillennium bcp earnings release as at 30 June 2018
26 July 2018 Millennium bcp earnings release as at 30 June 2018 Profitability and efficiency Improved profitability with strong growth in the activity in Portugal and positive performance of the international
More informationEARNINGS PRESENTATION
EARNINGS PRESENTATION 9M 2015 NOVEMBER 2015 Disclaimer The information in this presentation has been prepared under the scope of the International Financial Reporting Standards ( IFRS ) of BCP Group for
More informationCORPORATE PRESENTATION November 2017
CORPORATE PRESENTATION November 2017 Disclaimer This document is not an offer of securities for sale in the United States, Canada, Australia, Japan or any other jurisdiction. Securities may not be offered
More informationDisclaimer. The figures presented do not constitute any form of commitment by BCP in regard to future earnings. Figures for 2017 not audited
1 Disclaimer The information in this presentation has been prepared under the scope of the International Financial Reporting Standards ( IFRS ) of BCP Group for the purposes of the preparation of the consolidated
More informationIn accordance with Article 10 of the CMVM Regulation nr.5/2008 we are pleased to transcribe the BANCO COMERCIAL PORTUGUÊS, S.A.
Reuters>bcp.Is Exchange>MCP Bloomberg>bcp pl ISIN PTBCP0AM0007 2014 Activity Report 3 rd Quarter BANCO COMERCIAL PORTUGUÊS, S.A., a public company (sociedade aberta) having its registered office at Praça
More informationCORPORATE PRESENTATION
CORPORATE PRESENTATION Disclaimer This document is not an offer of securities for sale in the United States, Canada, Australia, Japan or any other jurisdiction. Securities may not be offered or sold in
More informationThe figures presented do not constitute any form of commitment by BCP in regard to future earnings.
Disclaimer The information in this presentation has been prepared under the scope of the International Financial Reporting Standards ( IFRS ) of BCP Group for the purposes of the preparation of the consolidated
More informationThe figures presented do not constitute any form of commitment by BCP in regard to future earnings
Disclaimer The information in this presentation has been prepared under the scope of the International Financial Reporting Standards ( IFRS ) of BCP Group for the purposes of the preparation of the consolidated
More informationEARNINGS PRESENTATION
EARNINGS PRESENTATION 1 st Quarter 2001 23 April 2001 Disclaimer This document is not an offer of securities for sale in the United States, Canada, Australia, Japan or any other jurisdiction. Securities
More informationEARNINGS PRESENTATION
EARNINGS PRESENTATION 1H 2016 JULY 2016 Disclaimer The information in this presentation has been prepared under the scope of the International Financial Reporting Standards ( IFRS ) of BCP Group for the
More informationCAIXA ECONÓMICA MONTEPIO GERAL 2016 CONSOLIDATED RESULTS
CAIXA ECONÓMICA MONTEPIO GERAL 2016 CONSOLIDATED RESULTS Lisbon, 29 March 2017 (year-on-year changes, unless when stated otherwise) Financial information unaudited HIGHLIGHTS Reinforcement of the capital
More information3 rd Quarter 2017 CAIXA ECONÓMICA MONTEPIO GERAL GROUP. Pursuant to Article 10 of the CMVM Regulation No. 5/2008
REPORT AND ACCOUNTS 3 rd Quarter 2017 CAIXA ECONÓMICA MONTEPIO GERAL GROUP Pursuant to Article 10 of the CMVM Regulation No. 5/2008 (Unaudited financial information prepared in accordance with IFRS as
More informationThe figures presented do not constitute any form of commitment by BCP in regard to future earnings
Disclaimer The information in this presentation has been prepared under the scope of the International Financial Reporting Standards ( IFRS ) of BCP Group for the purposes of the preparation of the consolidated
More informationOVERVIEW OF THE PORTUGUESE BANKING SECTOR SNAPSHOT
OVERVIEW OF THE PORTUGUESE BANKING SECTOR SNAPSHOT The Portuguese economy: most important developments - I The Economic and Financial Adjustment Programme (EFAP) ended in May 2014. Total funding for the
More informationMillennium bcp earnings release as at 30 September 2018
8 November 2018 Millennium bcp earnings release as at 30 September 2018 Profitability and efficiency Improved profitability supported by the strong performance in Portugal and sustained growth of the international
More informationBanco BPI Consolidated results in 1st quarter 2017
Banco BPI Consolidated results in 1st quarter 2017 26 April 2017 A. Financial results I. Domestic activity II. International activity III. Consolidated results B. Income statements and balance sheets Domestic
More informationFirst quarter results Ángel Cano, BBVA s President & Chief Operating Officer Madrid, April 26th 2013
First quarter results 2013 Ángel Cano, BBVA s President & Chief Operating Officer Madrid, April 26th 2013 1 Disclaimer This document is only provided for information purposes and does not constitute, nor
More information28 July 2017 PORTUGAL. First half 2017
28 July 2017 PORTUGAL First half 2017 Disclaimer Banco Santander, S.A. ("Santander") cautions that this presentation contains statements that constitute forward-looking statements within the meaning of
More information1Q 2017 Results April 27 th 2017 / 1. 1Q17 Results. April, 27 th Carlos Torres Vila Chief Executive Officer
April 27 th 2017 / 1 1Q17 Results April, 27 th 2017 Carlos Torres Vila Chief Executive Officer April 27 th 2017 / 2 Disclaimer This document is only provided for information purposes and does not constitute,
More information26 th April 2017 PORTUGAL. January March 2017
26 th April 2017 PORTUGAL January March 2017 Disclaimer Banco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking statements within the meaning of the US Private Securities
More informationBankinter Results Presentation 1Q April 2018 E Q U I P O D I R E C T I V O - A B R 1 8
Bankinter Results Presentation 1Q2018 26 April 2018 E Q U I P O D I R E C T I V O - A B R 1 8 RESULTS Regulatory framework 2 Bankinter presents its financial statements in accordance with the regulations
More informationInvestor Presentation. April 2016
Investor Presentation April 2016 Disclaimer The information contained in this document, which has been prepared by Novo Banco S.A. ( Novo Banco ), is provided as at the date hereof and is subject to updating,
More information1Q18 Results April 27 th 2018 / 1. 1Q18 Results. April, 27 th 2018
April 27 th 2018 / 1 April, 27 th 2018 Disclaimer April 27 th 2018 / 2 This document is only provided for information purposes and does not constitute, nor should it be interpreted as, an offer to sell
More information2Q18 Results July 27 th 2018 / 1. 2Q18 Results. July 27 th, 2018
July 27 th 2018 / 1 July 27 th, 2018 Disclaimer July 27 th 2018 / 2 This document is only provided for information purposes and does not constitute, nor should it be interpreted as, an offer to sell or
More information2017 Results February 1 st 2018 / Results. February, 1 st 2018
February 1 st 2018 / 1 February, 1 st 2018 February 1 st 2018 / 2 Disclaimer This document is only provided for information purposes and does not constitute, nor should it be interpreted as, an offer to
More informationPORTUGUESE BANKING SECTOR OVERVIEW
PORTUGUESE BANKING SECTOR OVERVIEW AGENDA I. Importance of the banking sector for the economy II. III. Credit activity Funding IV. Solvency V. State guarantee and recapitalisation schemes for credit institutions
More informationIn accordance with Article 10 of the CMVM Regulation nr.5/2008 we are pleased to transcribe the BANCO COMERCIAL PORTUGUÊS, S.A.
, S.A., a public company (sociedade aberta) having its registered office at Praça D. João I, 28, Oporto, registered at the Commercial Registry of Oporto, with the single commercial and tax identification
More informationOVERVIEW OF THE PORTUGUESE BANKING SECTOR SNAPSHOT
OVERVIEW OF THE PORTUGUESE BANKING SECTOR SNAPSHOT The Portuguese economy: most important developments - I The Economic and Financial Adjustment Programme (EFAP) ended in May 2014. Total funding for the
More informationBANCO COMERCIAL PORTUGUÊS. EARNINGS PRESENTATION 3 rd Quarter 2000
BANCO COMERCIAL PORTUGUÊS EARNINGS PRESENTATION 3 rd Quarter Banco Comercial Português Highlights as at 30 September Net Income Total Assets Loans to Customers (Net Net.) Total Customers Funds 315.8 +
More informationEarnings Press Release
27 July 2011 Millennium bcp earnings release as at 30 June 2011 HIGHLIGHTS Consolidated net income of Euro 88,4 million in the first half of 2011; Core Tier I stood at 8,5% and the total solvency ratio
More informationPortugal Q Portugal. Lisbon, April 26th 2012
Q1 2012 Lisbon, April 26th 2012 Disclaimer 2 Banco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking statements within the meaning of the US Private Securities Litigation
More informationFinancial Results 1Q May 2017
Financial Results 1Q 2017 4 May 2017 Disclaimer This document was prepared by LIBERBANK, S.A., ("LIBERBANK") and is presented exclusively for informational purposes. It is not a prospectus and does not
More information31 January 2018 PORTUGAL. January December 2017
31 January 2018 PORTUGAL January December 2017 Disclaimer Banco Santander, S.A. ("Santander") cautions that this presentation contains statements that constitute forward-looking statements within the meaning
More informationPress-Release Reuters>bcp.Is Exchange>MCP Bloomberg>bcp pl ISIN PTBCP0AM00007
2008-07-22 Millennium bcp earnings release for the first half of 2008 Consolidated net income of Euro 101 million in the first half of 2008. Excluding the impact of specific items, consolidated net income
More informationPortuguese Banks Panel Banco BPI. Morgan Stanley European Financials Conference London, 31 March - 2 April 2009
Portuguese Banks Panel Banco BPI Morgan Stanley European Financials Conference London, 31 March - 2 April 2009 I. Managing BPI since the financial crisis emerged II. The impact of the crisis in BPI III.
More information3Q 2017 Results October 27 th 2017 / 1. 3Q17 Results. October, 27 th 2017
October 27 th 2017 / 1 3Q17 Results October, 27 th 2017 October 27 th 2017 / 2 Disclaimer This document is only provided for information purposes and does not constitute, nor should it be interpreted as,
More information31 October Argentina. 9M'18 Earnings Presentation
31 October 2018 Argentina 9M'18 Earnings Presentation Disclaimer Banco Santander, S.A. ("Santander") and Banco Santander Rio, S.A. caution that this presentation contains statements that constitute forward-looking
More informationActivity Report. 1 st Quarter. In accordance with Article 10 of the CMVM Regulation nr.5/2008 we are pleased to transcribe the
Reuters>bcp.Is Exchange>MCP Bloomberg>bcp pl ISIN PTBCP0AM0007 2013 Activity Report 1 st Quarter BANCO COMERCIAL PORTUGUÊS, S.A., a public company (sociedade aberta) having its registered office at Praça
More informationPress Release Reuters>bcp.Is Exchange>MCP Bloomberg>bcp pl ISIN PTBCP0AM00007
27 April 2011 Activity of Bank Millennium (Poland) on the 1 st quarter of 2011 Banco Comercial Português hereby informs that Bank Millennium in Poland, in which it has 65.5% participation and whose accounts
More informationCaixa Económica Montepio Geral reports positive results in the 1 st quarter, liquidity and capital ratios above the regulatory requirement
Announcement Caixa Económica Montepio Geral reports positive results in the 1 st quarter, liquidity and capital ratios above the regulatory requirement Lisbon, 29 June 2018 Caixa Económica Montepio Geral
More information28 July 2017 SPAIN. First half 2017
28 July 2017 SPAIN First half 2017 Disclaimer Banco Santander, S.A. ("Santander") cautions that this presentation contains statements that constitute forward-looking statements within the meaning of the
More informationBank Millennium Group
Bank Millennium Group 2008 Results and New Strategy Millennium 2010 Presentation for Bank Millennium s General Meeting of Shareholders 27 March 2009 1 Disclaimer The matters discussed in this presentation
More informationNational Bank of Greece
National Bank of Greece Q2.2014 Results August 28 th, 2014 Q2.2014 Results: Highlights National Bank of Greece Results Result Highlights CET1 ratio increases 16.2% post 2.5bn capital increase Group PAT
More informationFinancial Division Research, Strategic Planning and Investor Relations May Portugal. Q1'18 Earnings Presentation
Financial Division Research, Strategic Planning and Investor Relations May 2018 Portugal Q1'18 Earnings Presentation Disclaimer Santander Totta SGPS, S.A. ( Santander Totta ) cautions that this presentation
More informationCaixaBank Tier 2 securities
CaixaBank Tier 2 securities Gonzalo Gortázar, CFO Juan Cebrián, Head of Capital Management Barcelona, 28 th October 2013 Disclaimer The purpose of this presentation is purely informative and the information
More informationPortuguese Banking System: latest developments. 4 th quarter 2017
Portuguese Banking System: latest developments 4 th quarter 217 Lisbon, 218 www.bportugal.pt Prepared with data available up to 2 th March of 218. Macroeconomic indicators and banking system data are
More informationBanco BPI Mortgage credit
Banco BPI Mortgage credit INVESTOR & ANALYST CONFERENCE 2006 19 May Centro Cultural de Belém Lisboa I. Mortgage market in Portugal Recent evolution II. Mortgage lending at BPI Past and Present Outlook
More informationSlovakia: Eurozone country with high growth potential
Erste Group 8 th Capital Markets Day, Jozef Síkela, CEO, Slovenská sporiteľňa Disclaimer Cautionary note regarding forward-looking statements THE INFORMATION CONTAINED IN THIS DOCUMENT HAS NOT BEEN INDEPENDENTLY
More informationArnaud Journois
Rating Report Ratings Maria Rivas +44 2 7855 6656 mrivas@dbrs.com Arnaud Journois +44 2 7855 6685 AJournois@dbrs.com Elisabeth Rudman +44 2 7855 6655 erudman@dbrs.com Issuer Debt Rating Rating Action Trend
More information31 October Chile. 9M'18 Earnings Presentation
31 October 2018 Chile 9M'18 Earnings Presentation Disclaimer Banco Santander, S.A. ("Santander") and Banco Santander Chile caution that this presentation contains statements that constitute forward-looking
More information1Q18 Financial Results May 3rd, 2018
1Q18 Financial Results May 3rd, 2018 AGENDA I. Chilean Economy II. Banking Industry Overview III. Banco de Chile 1Q18 Results and Strategy 2 CHILEAN ECONOMY Monthly GDP (YoY, MA3 %) 5% 4% 3% 2% 1% 0% -1%
More information1Q16 Results. Carlos Torres Vila Chief Executive Officer
1Q16 Results Carlos Torres Vila Chief Executive Officer Madrid, April 28th 2016 2 This document is only provided for information purposes and does not constitute, nor should it be interpreted as, an offer
More information1Q18 Results April 27 th 2018 / 1. 1Q18 Results. April 27 th, 2018
April 27 th 2018 / 1 April 27 th, 2018 Disclaimer April 27 th 2018 / 2 This document is only provided for information purposes and does not constitute, nor should it be interpreted as, an offer to sell
More informationEBA Stress Test Results on Banco Popular. 16th July, 2011
EBA Stress Test Results on Banco Popular 16th July, 2011 Disclaimer This presentation has been prepared by Banco Popular solely for purposes of information. It may contain estimates and forecasts with
More informationPortuguese Banking System: latest developments. 2 nd quarter 2018
Portuguese Banking System: latest developments 2 nd quarter 218 Lisbon, 218 www.bportugal.pt Prepared with data available up to 26 th September of 218. Macroeconomic indicators and banking system data
More information2Q18 Results July 27 th 2018 / 1. 2Q18 Results. July 27 th, 2018
July 27 th 2018 / 1 July 27 th, 2018 Disclaimer July 27 th 2018 / 2 This document is only provided for information purposes and does not constitute, nor should it be interpreted as, an offer to sell or
More information3Q17 Financial Results November 3 rd, 2017
3Q17 Financial Results November 3 rd, 2017 AGENDA I. Chilean Economy II. Banking Industry Overview III. Banco de Chile 3Q17 Results and Strategy 2 CHILEAN ECONOMY Chile s Monthly GDP (YoY, QoQ SAAR %)
More information1Q 2017 Results April 27 th 2017 / 1. 1Q17 Results. April, 27 th 2017 Carlos Torres Vila Chief Executive Officer
April 27 th 2017 / 1 1Q17 Results April, 27 th 2017 Carlos Torres Vila Chief Executive Officer Disclaimer 1Q 2017 Results April 27 th 2017 / 2 This document is only provided for information purposes and
More informationUnicaja Banco 3Q17 Results Presentation
Unicaja Banco 3Q17 Results Presentation 31 st October 2017 0 Disclaimer This presentation (the Presentation) has been prepared by Unicaja Banco, S.A. (the Company or Unicaja Banco) for informational use
More information31 January 2018 SPAIN. January - December 2017
31 January 2018 SPAIN January - December 2017 Disclaimer Banco Santander, S.A. ("Santander") cautions that this presentation contains statements that constitute forward-looking statements within the meaning
More informationFY 2013 Financial Results
FY 2013 Financial Results Barcelona, 31 st January 2014 Disclaimer The purpose of this presentation is purely informative and the information contained herein is subject to, and must be read in conjunction
More informationFINANCIAL RESULTS February, 4 th 2011
FINANCIAL RESULTS 2010 February, 4 th 2011 Disclaimer This presentation has been prepared by Banco Popular solely for purposes of information. It may contain estimates and forecasts with respect to the
More informationConsolidated Results 1 st Quarter 2017
Presentation Consolidated Results 1 st Quarter 2017 18 th May 2017 Unaudited financial information GIR Gabinete de Investor Relations Consolidated Results 1 st Quarter 2017 Presentation (*) Agenda Executive
More informationMorgan Stanley European Financials Conference, London 27 March Jan Erik Back CFO SEB
Morgan Stanley European Financials Conference, London 27 March 212 Jan Erik Back CFO SEB In the new world, what are SEB s priorities? Relationship banking as the key franchise driver Response to the new
More informationCAIXA ECONÓMICA MONTEPIO GERAL
CAIXA ECONÓMICA MONTEPIO GERAL CONSOLIDATED RESULTS As at 30 September 2017 Lisbon, 24 October 2017 (Year-on-year changes, unless when stated otherwise) Unaudited financial information This document is
More informationEarnings Presentation. 1 st Quarter April 24, 2002
Earnings Presentation 1 st Quarter 2002 April 24, 2002 Agenda Favourable evolution of Net Income and main Business Indicators 1 Main Indicators EUR Million 31.03.01 31.03.02 % Annual Net Income 160.2 167.6
More informationCaixa Económica Montepio Geral reports a profit of 15.8Mn on the 1 st half 2018
Press Release Caixa Económica Montepio Geral reports a profit of 15.8Mn on the 1 st half 2018 Lisbon, 27 September 2018 Caixa Económica Montepio Geral (CEMG) reached the first half of 2018 with a consolidated
More information3Q16 Results. October, 27 th Carlos Torres Vila Chief Executive Officer
3Q16 Results October, 27 th 2016 Carlos Torres Vila Chief Executive Officer 2 Disclaimer This document is only provided for information purposes and does not constitute, nor should it be interpreted as,
More information30 January Chile Earnings Presentation
30 January 2019 Chile 2018 Earnings Presentation Disclaimer Banco Santander, S.A. ("Santander") and Banco Santander Chile caution that this presentation contains statements that constitute forward-looking
More information2Q 2017 Results July 27 th 2017 / 1. 2Q17 Results. July, 27 th 2017
July 27 th 2017 / 1 2Q17 Results July, 27 th 2017 Disclaimer July 27 th 2017 / 2 This document is only provided for information purposes and does not constitute, nor should it be interpreted as, an offer
More informationBanco Comercial Português, SA Capital Update - EU Wide Stress Test Results.
Banco Comercial Português, SA Capital Update - EU Wide Stress Test Results. Banco Comercial Português was subject to the 2011 EU-wide stress test conducted by the European Banking Authority (EBA), in cooperation
More informationUnicaja Banco 1H 2017 Results Presentation
Unicaja Banco 1H 2017 Results Presentation 31 July 2017 0 Disclaimer This presentation (the Presentation) has been prepared by Unicaja Banco, S.A. (the Company or Unicaja Banco) for informational use only.
More informationExane Spain Investors Day. Francisco Sancha Bermejo Group CFO Madrid, January 16 th, 2014
Exane Spain Investors Day Francisco Sancha Bermejo Group CFO Madrid, January 16 th, 2014 Disclaimer This presentation has been prepared by Banco Popular Español solely for purposes of information. It may
More informationPortuguese Banking System: latest developments. 3 rd quarter 2017
Portuguese Banking System: latest developments 3 rd quarter 217 Lisbon, 218 www.bportugal.pt Prepared with data available up to 18 th December of 217 for macroeconomic and financial market indicators,
More informationBrazil. January September November 4 th, 2014
1 Brazil January September 2014 November 4 th, 2014 Disclaimer Banco Santander, S.A. ("Santander") cautions that this presentation contains forward-looking statements within the meaning of the US Private
More information30 January Portugal Earnings Presentation
30 January 2019 Portugal 2018 Earnings Presentation Disclaimer Banco Santander, S.A. ("Santander") cautions that this presentation contains statements that constitute forward-looking statements within
More information31 October Spain. 9M'18 Earnings Presentation
31 October 2018 Spain 9M'18 Earnings Presentation Disclaimer Banco Santander, S.A. ("Santander") cautions that this presentation contains statements that constitute forward-looking statements within the
More informationConsolidated Results 2017
Consolidated Results 2017 Unaudited financial information Investor Relations Office Date 02/02/2018 Agenda 1 2 3 4 5 6 Highlights Results Balance Sheet Asset Quality Liquidity Capital 2 Highlights 3 CGD
More informationConference Call 1 st quarter Earnings Review
Conference Call 1 st quarter 2018 - Earnings Review Candido Botelho Bracher President and CEO Caio Ibrahim David Executive Vice-President, CFO and CRO Alexsandro Broedel Executive Finance Director and
More information31 October Poland. 9M'18 Earnings Presentation
31 October 2018 Poland 9M'18 Earnings Presentation Disclaimer Banco Santander. S.A. ("Santander") and Banco Bank Zachodni WBK. S.A. ( BZ WBK ) caution that this presentation contains statements that constitute
More information3Q 2018 Results 26 th October 2018
3Q 2018 Results 26 th October 2018 Disclaimer The purpose of this presentation is purely informative and should not be considered as a service or offer of any financial product, service or advice, nor
More informationPortuguese Banking System: latest developments. 1 st quarter 2018
Portuguese Banking System: latest developments 1 st quarter 218 Lisbon, 218 www.bportugal.pt Prepared with data available up to 27 th June of 218. Macroeconomic indicators and banking system data are quarterly
More informationQuarterly Results Presentation 2Q th July Trabajamos desde los principios para poner la mejor banca a tu servicio
Quarterly Results Presentation 2Q14 28 th July 2014 Trabajamos desde los principios para poner la mejor banca a tu servicio 1 of 28 / July 2014 Disclaimer This document has been prepared by Bankia, S.A.
More informationReuters: BANIF.LS Bloomberg: BANIF PL ISIN: PTBAF0AM CONSOLIDATED RESULTS. Unaudited information
Reuters: BANIF.LS Bloomberg: BANIF PL ISIN: PTBAF0AM0002 www.banif.pt/investidores 2014 CONSOLIDATED RESULTS Lisbon, 28 February 2015 Unaudited information CONSOLIDATED RESULTS: January to December 2014
More information1H 2013 Financial Results
1H 2013 Financial Results Barcelona, 26 th July 2013 Disclaimer The purpose of this presentation is purely informative and the information contained herein is subject to, and must be read in conjunction
More information24 April Spain. Q1'18 Earnings Presentation
24 April 2018 Spain Q1'18 Earnings Presentation Disclaimer Banco Santander, S.A. ("Santander") cautions that this presentation contains statements that constitute forward-looking statements within the
More information