Banco BPI. Increasing BPI s Market Presence INVESTOR & ANALYST CONFERENCE May Centro Cultural de Belém Lisboa

Transcription

1 Banco BPI Increasing BPI s Market Presence INVESTOR & ANALYST CONFERENCE May Centro Cultural de Belém Lisboa

2 Index I. Customer and Physical Network Segmentation II. Private Banking and Investment Centres III. Retail Network IV. Key Messages 2

3 I. Customer and Physical Network Segmentation HNWI s HNWI Individuals with Assets >= 500k Private Banking Affluents Affluents Individuals with 100k <= Assets < 500k Investment Centres Individuals & SME s Corporate Individuals with Assets < 100k & SME s with turnover < 2,5M Corporate Companies with turnover >= 2,5M Branches Network Corporate Centres 3

4 Index I. Customer and Physical Network Segmentation II. Private Banking and Investment Centres III. Retail Network IV. Key Messages 4

5 Adding Value II. Private Banking and Investment Centres Evolution Dec. 02 Mar.06 # Private Banking & Investment Centres 7 22 # Employees # Clients 4,544 15,408 3,012 New Clients Business Volume (M ) * ,813 * Effective Business Volume in 2002 = 2,115M ; the 3,029 M value includes the total portfolio, in Dec02, of the 7,852 Clients transferred from the Retail Network from that date until Mar06. 5

6 II. Private Banking and Investment Centres Organization Private Banking & Investment Centres Private Banking Investment Centres Domestic International BPI (Suisse) SA Domestic Business Model Service specific capacities under one roof: investment, advisory, legal & fiscal, marketing 6

7 II. Private Banking and Investment Centres Geographic Distribution Guimarães Braga Oporto Tenente Valadim Oporto - Boavista Oporto - Sá da Bandeira Matosinhos Vila Nova de Gaia Viseu Switzerland - Geneva Aveiro Coimbra Leiria Santarém Lisbon Jean Monnet Lisbon Saldanha Lisbon - M. de Pombal Lisbon Baixa Lisbon Av. Roma Setúbal Évora Private Banking 3 Centres Domestic 2 Centres International 1 Centres Investment Centres 19 Centres 7 Madeira - Funchal Faro

8 Adding Value II. Private Banking and Investment Centres Private Banking + Investment Centres Millions of euros Business Volume Assets under Management * Loans Portfolio Mar.06 4,813 3, Growth Q Annual Growth Rate % + 9.5% + 7.4% + 8.0% % % % % % 1Q % % % 8 * Excludes Private Banking stable investments under custody

9 II. Private Banking and Investment Centres Future Goals To increase the number of Investment Centres from 19 to 25 until Dec07, 30 until the end of 2010; To have more than 30,000 customers served by this network by 2010; To double the Business Volume managed by Private Banking + Investment Centres during this 5 year period; To consolidate BPI as a leading Bank in Portugal serving the Private and Affluent Segments. 9

10 Index I. Customer and Physical Network Segmentation II. Private Banking and Investment Centres III. Retail Network IV. Key Messages 10

11 III. Retail Network HNWI s HNWI Individuals with Assets >= 500k Private Banking Affluents Affluents Individuals with 100k <= Assets < 500k Investment Centres Individuals & SME s Corporate Individuals with Assets < 100k & SME s with turnover < 2,5M Corporate Companies with turnover >= 2,5M Branches Network Corporate Centres 11

12 Adding Value III. Retail Network Dec. 02 Mar.06 Reinforcing BPI Selling Platform # Retail Branches # External Promoters Increasing Commercial Time # Automatic Areas # Automatic Deposit Machines # Automatic Check Dispensers # Net-kiosks BPI Net/ BPI Directo (# Subscribers) # Clients Transferred to I.Centers (Total) ,942 1, , ,568 9,706 12

13 III. Retail Network Reinforcing BPI Selling Platform Branches Distribution by Age # Clients per Branch 0 3 years 7% Thousands years 23% years 11% 1.7 >10 years 59%

14 III. Retail Network Reinforcing BPI Selling Platform - New Branches (average monthly production per branch until April 2006) Total New Branches New Business New Clients m m m

15 III. Retail Network Reinforcing BPI Selling Platform - External Promoters Growth Q.06 Total # New Promoters , ,175 # New Clients 409 3,615 5,882 2,107 12,013 Total Resources (M ) Total Loans (M ) TOTAL % of Retail Network New Business n.a. 4.3% 7.9% 10.2% 15

16 III. Retail Network Increasing Commercial Time Deposit Machines and Checks Dispensers Deposits (Millions of Transactions) Checks (Thousands of Transactions) % 44% 45% 47% 59% 69% 61% 56% 55% 53% 41% 31% Nr. of Branches with Automatic Machine Branches Deposit Machine Branches Check Dispenser

17 III. Retail Network Increasing Commercial Time BPI Net/BPI Directo BPI Net BPI Directo Million 44,4 40,4 6,4 5,7 29,4 4,0 17,8 37,9 1,9 34,6 25,4 15,9 12,6 1,7 10, Q.06 Consultations Transactions Million 7,6 6,9 5,1 3,0 6,4 5,7 4,0 1,9 2,0 1,7 1,1 1,1 1,1 1,1 0, Q.06 Consultations Transactions 17

18 III. Retail Branches Increasing Commercial Time - Migrations of Retail Clients to Inv. Centres Q.06 TOTAL # Clients 2,912 1,255 2, ,852 During the past three years, almost 8,000 customers were successfully transferred from Retail Branches to Investment Centres with encouraging results (the annual growth rate of this customers portfolio more than doubled); This allowed Retail Banking Network to improve its commercial results (despite losing almost 8,000 of its most important Clients) by increasing the focus in acquiring new Clients; by increasing the focus in other very important like SME s. 18

19 Adding Value III. Retail Network Millions of euros Total Resources Total Loans Mortgage Loans Small Business Loans Portfolio Mar.06 15,297 11,713 8,921 1,928 Growth , , , Q Annual Growth Rate % + 6.8% % % % % + 4.2% + 8.2% % + 6.9% + 6.0% % 1Q % + 7.2% + 7.4% + 8.8% 19

20 III. Retail Network Future Goals To selectively expand the Branch Network; To double the number of Clients transferred from the Branch Network to the Investment Centres during the next five years; To reach External Promoters working with BPI during that period; To consolidate BPI as a leading Bank in Portugal serving the Small Business Segment. 20

21 Index I. Customer and Physical Network Segmentation II. Private Banking and Investment Centres III. Retail Network IV. Key Messages 21

22 IV. Key Messages Considering that BPI has been very successful launching a new Service for the Affluent Segment The Investment Centres; transferring Clients from Branches to Investment Centres; transferring transactions from Branches to Automatic Channels; opening new Retail Branches; implementing a variable cost unit the External Promoters Team; improving its position in the Affluent and Small Business Segments. We believe that we can do better than the goals inscribed in the Business Plan

23 IV. Keys Messages Private Banking + Investment Centres + Retail Branches Millions of euros Dec. 02 Dec.05 Average Annual Growth Rate (02/05) Average Annual Growth Rate (06/10) Resources 14,964 18, % + 7% Loans 8,881 11, % + 9% Past Performance Business Plan 2006/10 23

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