BanRegio Grupo Financiero Conference Call 2Q17 July
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1 BanRegio Grupo Financiero Conference Call 2Q17 July
2 Executive Summary 2Q17 Results BanRegio vs Financial System Financial Information Summary
3 Executive Summary The most relevant results for 2Q17 : Financial Margin grew 22% Y o Y NIM was 6.0% Non-Financial Income grew 31% Y o Y Efficiency Ratio was of 42.8% ROAE last twelve months of 20.1% Commercial Loan Portfolio grew 11.5% Y o Y (1) and Core Deposits grew 16.7% Y o Y (1) NPL Ratio was 1.7% 1) Proforma results 2) Capitalization Ratio for Banco Regional de Monterrey, S.A. as of May 2016 and May
4 Recent Events During the second Quarter of 2017, Banregio continued its expansion plan opening new branches: On June 29 th, the sixth branch in Baja California was opened, reaching 150 branches nationwide. 4
5 Executive Summary 2Q17 Results BanRegio vs Financial System Financial Information Summary
6 Financial Summary Profitability 2Q16 2Q17 YoY Net Income LTM 1,112 1, % NIM 5.0% 6.0% 103 b.p. NIM of Total Loans 6.4% 6.7% 29 b.p. ROAE 18.4% 20.1% 170 b.p. ROAA 2.0% 2.5% 53 b.p. Efficiency Ratio 47.1% 42.8% (428 b.p.) Growth Time Deposits 33,364 38, % Demand Deposits 27,179 31, % Shareholders Equity 11,761 13, % Total Loan Portfolio 73,314 83, % Risks NPL Ratio 1.5% 1.7% 14 b.p. Capitalization Ratio (1) 12.3% 13.3% 100 b.p. 1) Proforma results 2) Capitalization Ratio for Banco Regional de Monterrey, S.A. as of May 2016 and May
7 Balance Sheet 2Q16 1Q17 2Q17 YoY QoQ Cash and Equivalents 4,098 5,952 6, % 10.9% Securities Investments 14,739 9,690 6,433 (56.4%) (33.6%) Loan Portfolio 73,314 80,438 83, % 3.3% Performing loans 72,183 79,086 81, % 3.3% Non performing loans 1,131 1,352 1, % 3.3% Provisions (1,673) (1,861) (1,926) 15.1% 3.5% Operational Leasing 3,829 4,183 4, % 2.2% Other assets (1) 4,700 4,583 4, % 2.6% Total Assets 99, , , % 0.2% Core Deposits 60,543 66,650 70, % 6.0% Demand Deposits 27,179 28,512 31, % 11.8% Time Deposits 33,364 38,138 38, % 1.7% Commercial paper (CB) 4,093 1,624 1,728 (57.8%) 6.4% Development Banks 4,921 7,979 8, % 1.6% Repurchase agreements 14,179 9,529 5,393 (62.0%) (43.4%) Other liabilities (2) 3,509 3,591 3, % (1.7%) Total Liabilities 87,245 89,373 89, % 0.1% Total Shareholders Equity 11,761 13,611 13, % 1.2% Figures in million pesos. (1) Includes other receivable (net); Repossessed Assets; Real estate, furniture and equipment (net); Permanent investment in shares; Deferred Tax (net) and Other assets, deferred charges and intangibles. (2) Includes operations with securities and derivatives; Other payable accounts; Deferred Tax Liabilities; Deferred credits. 7
8 Performing Loan Portfolio Total Performing Loan Portfolio Commercial 13.2% 3.3% 11.5% 3.1% 79,086 81,722 72,183 63,411 68,551 70,703 Consumer 2Q16 1Q17 2Q17 Mortgage 2Q16 1Q17 2Q % 24.0% 6.4% 4.1% 1,860 2,304 2,451 6,912 8,231 8,568 2Q16 1Q17 2Q17 2Q16 1Q17 2Q17 Figures in million pesos. 8
9 Deposits Total Deposits Demand Deposits 1.8% (0.1%) 17.3% 11.8% 14,179 9,529 5,399 60,543 66,650 70,669 27,179 28,512 31,872 2Q16 1Q17 2Q17 2Q16 1Q17 2Q17 Repurchase Agreements Core deposits Time Deposits Repurchase Agreements 16.3% (61.9%) 1.7% (43.3%) 33,364 38,138 38,797 14,179 9,529 5,399 2Q16 1Q17 2Q17 2Q16 1Q17 2Q17 Figures in million pesos. 9
10 Income Statement (1) 2Q16 1Q17 2Q17 YoY QoQ Interest Income 1,902 2,626 2, % 6.7% Interest expenses (667) (1,208) (1,291) 93.6% 6.9% Financial Margin 1,235 1,418 1, % 6.6% Net Provisions 3 (166) (220) (+100%) 32.5% Margin adjusted by Provisions 1,238 1,252 1, % 3.2% Commissions and fees % 3.2% Insurance and FX fee % 11.4% Pure Leasing % (7.3%) Other income (expense) operations (56) (54) (10) (81.8%) (81.1%) Total Income 1,577 1,654 1, % 5.2% Non interest expenses (731) (768) (820) 12.2% 6.8% Compensation and benefits (388) (406) (427) 10.1% 5.2% Other expenses (343) (362) (393) 14.6% 8.6% Operating Income % 3.7% Income Before Tax % 3.3% Income Tax (237) (250) (261) 10.1% 4.4% Net Income % 2.8% Figures in million pesos. 1) Proforma results 10
11 Financial Information Income Statement YTD 06M16 06M17 YoY Interest Income 3,766 5, % Interest expenses (1,290) (2,499) 93.7% Financial Margin 2,476 2, % Net Provisions (97) (386) +100% Margin adjusted by Provisions 2,379 2, % Commissions and fees % Insurance and FX fee % Pure Leasing % Other income (expense) operations (146) (64) ( 56.2%) Total Income 2,986 3, % Non interest expenses (1,448) (1,588) 9.7% Compensation and benefits (779) (833) 6.9% Other expenses (669) (755) 12.9% Operating Income 1,538 1, % Income Before Tax 1,542 1, % Income Tax (430) (511) 18.8% Net Income 1,112 1, % Source: Banregio Grupo Financiero, June
12 Total Loans by Region Nuevo León Other Regions 29,402 29, % 30,301 30,601 31,907 26,609 28, % 29,490 29,298 30,238 2Q16 3Q16 4Q16 1Q17 2Q17 Mexico City (1) Jalisco 2Q16 3Q16 4Q16 1Q17 2Q17 10,869 11,774 22% 12,447 12,918 13,262 6,432 6, % 7,413 7,622 7,712 2Q16 3Q16 4Q16 1Q17 2Q17 2Q16 3Q16 4Q16 1Q17 2Q17 Source: Banregio Grupo Financiero, June Figures in million pesos. (1) Mexico City = Distrito Federal + Estado de Mexico 12
13 Geographic Diversification Loan Evolution 48% 50% 55% 60% 62% 62% 52% 50% 45% 40% 38% 38% Q17 Nuevo León Other States 13
14 NPL by Business Unit 2Q16 3Q16 4Q16 1Q17 2Q17 Small Business 4.0% 4.2% 4.4% 4.7% 4.4% Medium Business 0.7% 0.7% 0.7% 0.7% 0.8% Commercial Loans 1.5% 1.5% 1.6% 1.7% 1.7% Auto Loans 0.5% 0.7% 0.8% 0.7% 0.8% Mortgage 2.2% 2.0% 1.9% 1.9% 1.9% Credit Card 2.3% 2.4% 2.1% 2.3% 2.7% BanRegio s NPL Ratio 1.5% 1.6% 1.6% 1.7% 1.7% 14
15 Executive Summary 2Q17 Results BanRegio vs Financial System Financial Information Summary
16 Banregio vs Financial System ROAE Financial Groups (1) Capitalization Ratio Banks 0.0% 2.2% 1.9% 20.1% 14.4% 14.1% 12.8% 12.5% 13.1% BanRegio G-7 System Cost of Core Deposits Banks BanRegio G-7 System Efficiency Ratio Financial Groups (1) 2.89% 2.28% 2.53% 42.8% 46% 50.3% BanRegio G-7 System BanRegio G-7 System Source: Capitalization Ratio as of March (1) CNBV and Banregio Grupo Financiero s analysis based on published financial statements by each Financial Group, G-7 Financial Groups: Banamex, Banorte, BBVA, HSBC, Inbursa, Santander, Scotiabank. Information as of 4Q16. 16
17 Banregio vs Financial System Core Deposits and Time Deposits Banks Total Loans and SME s Loans (1) Millions 294,055 76% 387, % 81,713 73% 111, % Millons 246,567 76% 324, % 90,685 62% 146, % 7,871 2% 5,300 5% 8, % 8, % Core Deposits Time Deposits System Total Loan SM Loans System NPL and TDA 5.2% 4.9% 1.7% 1.9% 2.2% 2.2% BanRegio G-7 System NPL TDA Source: Banregio Grupo Financiero analysis with CNBV data as of 1Q17. SME S loans (040_11c_R1), NPL vs TDA (040-5A-R0) Information applies only to banks, not for Financial Groups. 1) SME s Loans are credits up to 100 million pesos. 17
18 Executive Summary 2Q17 Results BanRegio vs Financial System Financial Information Summary
19 Financial Information Balance Sheet 2Q16 3Q16 4Q16 1Q17 2Q17 YoY Cash and Equivalents 4,098 7,225 5,357 5,952 6, % Securities Investment 14,739 13,141 10,833 9,690 6,433 (56.4%) Performing loans 72,183 75,808 78,372 79,086 81, % Commercial 63,411 66,417 68,314 68,551 70, % Consumer 1,860 2,014 2,152 2,304 2, % Mortgage 6,912 7,377 7,906 8,231 8, % Non Performing loans 1,131 1,194 1,281 1,352 1, % Commercial 953 1,011 1,102 1,163 1, % Consumer % Mortgage % Provisions (1,673) (1,812) (1,868) (1,861) (1,926) 15.1% Operational Leasing 3,829 3,995 4,186 4,183 4, % Other assets (1) 4,700 5,111 4,468 4,583 4, % Total Assets 99, , , , , % Source: Banregio Grupo Financiero, June (1) Other receivable (net); Repossessed Assets; Real estate, furniture and equipment (net); Permanent investment in shares; Deferred Tax (net) and Other assets, deferred charges and intangibles. 19
20 Financial Information Balance Sheet 2Q16 3Q16 4Q16 1Q17 2Q17 YoY Core Deposits 60,543 65,983 64,592 66,650 70, % Demand deposits 27,179 30,134 29,165 28,512 31, % Time deposits 33,364 35,849 35,427 38,138 38, % Commercial Paper (Cebures) 4,093 3,290 2,382 1,624 1,728 (57.8%) Development banks 4,921 6,281 8,304 7,979 8, % Repurchase agreements 14,179 12,705 10,650 9,529 5,393 (62.0%) Other liabilities (1) 3,510 4,065 3,624 3,591 3, % Total Liabilities 87,246 92,324 89,552 89,373 89, % Total Stockholder's Equity 11,761 12,338 13,077 13,612 13, % Stockholder s Equity + Liabilities 99, , , , , % Source: Banregio Grupo Financiero, June 2017 (1) Operations with securities and derivatives; Other payable accounts;deferred tax liabilities; Deferred credits. 20
21 Financial Information Quarterly Income Statement (1) 2Q16 1Q17 2Q17 YoY QoQ Interest Income 1,902 2,626 2, % 6.7% Interest expenses (667) (1,208) (1,291) 93.6% 6.9% Financial Margin 1,235 1,418 1, % 6.6% Net Provisions 3 (166) (220) (+100%) 32.5% Margin adjusted by Provisions 1,238 1,252 1, % 3.2% Commissions and fees % 3.2% Insurance and FX fee % 11.4% Pure Leasing % (7.3%) Other income (expense) operations (56) (54) (10) (81.8%) (81.1%) Total Income 1,577 1,654 1, % 5.2% Non interest expenses (731) (768) (820) 12.2% 6.8% Compensation and benefits (388) (406) (427) 10.1% 5.2% Other expenses (343) (362) (393) 14.6% 8.6% Operating Income % 3.7% Income Before Tax % 3.3% Income Tax (237) (250) (261) 10.1% 4.4% Net Income % 2.8% Source: Banregio Grupo Financiero, June
22 Financial Information Financial Ratios Financial ratios Last Twelve Months (LTM) 2Q16 3Q16 4Q16 1Q17 2Q17 YoY QoQ Net Interest Margin (NIM) (1) 5.0% 5.4% 5.6% 5.8% 6.0% 103 b.p. 26 b.p. Net Interest Margin (NIM) of Total Loans (2) 6.4% 6.5% 6.6% 6.6% 6.7% 29 b.p. 8 b.p. Return on Equity (ROAE) (3) 18.4% 19.1% 20.2% 20.5% 20.1% 170 b.p. (34) b.p. Return on Assets (ROAA) (4) 2.0% 2.2% 2.4% 2.5% 2.5% 53 b.p. 3 b.p. Return on Assets (ROAA) of Total Loans (5) 2.6% 2.7% 2.8% 2.9% 2.8% 22 b.p. (5) b.p. Efficiency Ratio (6) 47.1% 46.3% 44.8% 43.6% 42.8% (428) b.p. (83) b.p. Loan to Deposits (7) 121.1% 116.7% 123.3% 120.7% 117.6% (348) b.p. (307) b.p. Coverage Ratio (8) 147.9% 151.8% 145.8% 137.6% 137.9% (1,006) b.p. 22 b.p. Cost of Credit (9) 0.7% 0.7% 0.6% 0.6% 0.9% 11 b.p. 22 b.p. Cost of Funding (10) 2.3% 2.5% 3.1% 3.7% 4.1% 184 b.p. 41 b.p. 1) Net interest NIM: Financial Margin of last 4 quarters / Average productive assets of the last 12 months. (proforma) 2) Net Margin (NIM) of Total Loans: (Financial margin of last 4 quarters (-) income by repos of last 4 quarters / Average productive assets of last 12 months. (-) average balance of repos LTM ). (proforma) 3) Return on Average Equity (ROAE): Net income of last 4 quarters / Average stockholders equity of last 4 quarters. 4) Return on Average Assets (ROAA): Net income of last 4 quarters / Average total assets of last 4 quarters. 5) Return on Average Assets (ROAA) of Total Loans: (Net income of last 4 quarters / (Average total assets of last 4 quarters (-) average balance of repos or last 4 quarters)) 6) Efficiency Ratio: Administration and promotion expenses of last 4 quarters / (Financial Margin + Commissions + Trading + Other Income) of last 4 quarters. 7) Loan to Deposits: Loan portfolio at the end of the quarter / Core deposits at the end of the quarter. 8) Coverage Ratio: Allowances to possible loan losses at the end of the quarter / Non performing loans at the end of the quarter. 9) Cost of Credit: Loan losses provision of last 4 quarters/ Average total loans of last 4 quarters 10) Consolidated cost of funding of local and foreign currency. Source: Banregio Grupo Financiero, June
23 23
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