This presentation may include references and statements, planned synergies,

Transcription

1 APIMEC Meetings

2 Disclaimer This presentation may include references and statements, planned synergies, estimates, projections of results, and future strategy for Banco do Brasil, its Associated and Affiliated Companies, and Subsidiaries. Although these references and statements reflect the management s belief, they also involve estimates and unforeseen risks. Consequently, results may differ from those anticipated and discussed here. These expectations are highly dependent on market conditions, on Brazil s economic and banking system performances, as well as on international market conditions. Banco do Brasil is not responsible for updating any estimate in this presentation.

3 Adjusted Net Income R$ billion Q13 3Q13 4Q13 1Q14 2Q14 1H13 1H14 Net Income Adjusted Net Income ROE - % Adjusted ROE - % 3

4 Ownership Structure and Value Creation Ownership Strucuture (%) Free Float 28,8 Amount Distributes (Dividends and Interest on Own Capital) 6.32 R$ billion National Treasury¹ Previ ,01 Foreign Investors ,23 Other Treasury Shares H13 1H14 (1) It considers BNDES and government investment funds. 4

5 Leaderships Assets (R$ billion) Loan Portfolio¹ (R$ billion) 22.0% Market Share¹ 1 o 1, % Market Share 2 1 o , BB Bank A Bank B (1) Source: Central Bank of Brazil Market Share of March/14. Deposits (R$ billion) BB Bank A Bank B (1) It includes Private Securities and guarantees providaded. (2) Source: Central Bank of Brazil Domestic Portfolio Market Share Branches 26.8% Market Share¹ 1 o 23.8% Market 1 o Share¹ 5, ,145 4,680 BB Bank A Bank B (1) Source: Central Bank of Brazil Market Share of March/14. BB Bank A (1) Source: Central Bank of Brazil Industry Market Share. Bank B 5

6 Businesses Funding Loan Portfolio Asset Quality Other businesses Indicators 6

7 Commercial Funding R$ billion 12 months Interbank Deposits Repo Demand Deposits LCA + LCI 1 Savings Deposits Time Deposits % 122.3% 13.5% % Dec/11 Dec/12 Dec/13 (1) LCA - Agribusiness Letter of Credit; LCI - Real State Letter of Credit. 7

8 Foreing Borrowings and Assets Under Management US$ billion R$ billion Foreing Borrowings Assets Under Management¹ o 21.9 % Market Share² % Dec/11 Dec/12 Dec/13 Repo + Special Companies Bond issues Individuals Interbanking Dec/11 Dec/12 Dec/13 (1) Managed Funds and Portfolios. (2) It does not includes Banco Votorantim s figures. 8

9 Loan Portfolio Broad Concept¹ Market Share(%)² R$ billion 12.5% in 12 months 580,8 50,2 692,9 57,8 144,8 718,8 53,2 157,2 Offshore Agribusiness Individuals Companies 465,1 35,0 89,4 130,6 108,0 152,0 167,9 173,0 210,2 270,6 322,3 335,3 Dez/11 Dez/12 Dez/13 (1) It includes private securities and guarantees provided. (2) Domestic Loan Portfolio/ Bank Industry Total. Source: Central Bank of Brazil. 9

10 Organic Loan Portfolio¹ ² R$ billion +13.2% Other Credit Cards Payroll + Salary Loans + Auto Loans + Mortgage % % Jun/13 Mar/14 (1) Classified Concept. (2) It does not include BV operations and acquired portfolios. 10

11 Growth in lower risk lines Payroll (R$ billion) % Market Share Jun/ Banco do Brasil Peer 1 Peer Peer Organic Portfolio 88.0% Civil Servants 7.95% INSS s Retirees and Pensioners 4.05% Private Sector Employees Mortgages (R$ billion) Auto Loans Organic Portfolio(R$ billion) +84.5% % 71.1% 61.2% 19.4% 19.4% 64.0% 17.9% 18.1% 64.6% 17.6% 17.8% Jun/13 Mar/14 Mortgage with Companies Mortgage with Individuals Jun/13 Mar/14 Account Time Over 10 years From 5 to 10 years Up to 5 years 11

12 Loans to Companies Broad Concept¹ R$ billion +13.2% Other Trade Finance Guarantees Working Capital Investment + Corp. Bonds & Notes Jun/13 Mar/14 (1) It includes Private Securities and Guarantees provided. 12

13 Loans to Companies Broad Concept Corporate portfolio by Size SME Portfolio FGO and Fampe¹ R$ billion % % % % Jun/13 Mar/14 Jun/13 Mar/14 Micro and Small Enterprises Medium and Large Companies FGO Fampe (1) Operations Guarantee Fund and Fampe a SME guarantee fund. 13

14 Agribusiness Agribusiness Loan Portfolio¹ (R$ billion) +23.7% Mitigators Use (Working Capital for Input Purchase) Vintage 13/14 (Jun.14) % 36.3% Insured 63.7% Not insured % Vintage 12/13 (Jun.13) 52.3% 47.7% Insured Not insured Jun/13 Mar/14 Companies Individuals (1) It includes Rural Product Bills and guarantees provided. 14

15 Agribusiness Vintages Plans¹ 1 o 65.2 % Market Share +16.4% R$ billion Objective Disbursement / / / / /2015 (1) Amounts relating to rural credit. 15

16 Banco Votorantim BV Lightweight Vehicles¹ : Production per Business Channel and Delinquency BV Net Income(R$ million) (196) (159) 2Q12 2Q13 2Q14 2Q13 3Q13 4Q13 1Q14 2Q14 Multi-brand car dealers (R$ billion) Car dealers (R$ billion) NPL 90 - Managerial Loan Portfolio (%) (1) Comprised of CDC veículos (Autos Consumer Credit) and vans. 16

17 Asset Quality Average Risk¹ (%) Jun/10 Jun/11 Jun/12 Jun/13 BB Average Risk BI Average Risk Risk Level (%) Coverage Ratio +90 days² (%) BB 5.1 SFN Jun/10 Jun/11 Jun/12 Jun/13 AA-C Level D-H Level BI Average Risk BB Average Risk (1) Required Provision / Classified Loan Portfolio (2) Required Provision + Additional / Overdue +90 Days 17

18 Delinquency NPL Ratio +90 days (%) Jun/10 Jun/11 Jun/12 Jun/13 Banco do Brasil Banking Industry NPL 15 Days (%) NPL 90 Days (%) Jun/13 Sep/13 Dec/13 Mar/14 Jun/13 Sep/13 Dec/13 Mar/14 Individuals Companies Agribusiness Individuals Companies Agribusiness 18

19 Fee Income Fee Income (R$ billion) Other Businesses % H13 1H14 19

20 BB Seguridade Adjusted Net Income (R$ million) Insurance s Premiums and Collection +48.6% 1,494 Insurance s Premiums Market Share % Ranking Vehicle¹ 15,3 2º +53.6% 845 1,005 Life 22,4 1º Mortgage 6,3 3º Rural 80,3 1º Collection Market Share % Ranking Pension Plan² 41,6 1º Premium Bond 34,8 1º 2Q13 1Q14 2Q14 1H13 1H14 (1) It does not consider DPVAT (2) It considers PGBL + Traditional + VGBL 20

21 Cards Total Turnover (R$ bilhões) Elo Cards Brand: Turnover and Card Base Mar/ % % Q13 1Q14 2Q14 2Q13 1Q14 2Q14 Credit Cards Debit Cards Market Share- %¹ Turnover R$ billion Card Base R$ million (1) Turnover, Source: Abecs 21

22 Administrative Expenses and Cost to Icome Ratio R$ billion Cost to Income Ratio (%)¹ Personnel Expenses Other Expenses % H13 1H14 (1) Administrative Expenses / Operating Revenues. Data from the Income Statement with Reallocations. Accumulated in 12 months. 22

23 BIS Ratio¹ ² % Tier I Tier II Jun/13 Mar/14 (1) Financial Consolidated. (2) Methodology used since Oct. 01st., 2013, according to CMN Resolution 4.192/

24 Guidance 2014 Guidance 2014 Performance 2014 Revised guidance Adjusted Return on Equity¹ Net Interest Income Commercial Funding² Unchanged Domestic Loan Portfolio³ - Broad Concept Unchanged Individuals Unchanged Companies Unchanged Agribusiness Unchanged Allowance for Loan Losses⁴ 2,7-3,1 2.8 Unchanged Fee Income Administrative Expenses Unchanged (1) Adjusted ROAE for 2013 and 2014, uses estimate of adjusted shareholders equity, ex effects of actuarial assets and liabilities update, due to CVM deliberation 695. (2) Commercial Funding includes Total Deposits, Agribusiness Letter of Credit, Real Estate Letters of Credit and Repos with Corporate Bonds. (3) It includes private securities and guarantees provided. (4) Allowance for Loan Losses expenses of the last twelve months / Average Classified loan portfolio for the same period. 24

25 Structural Data Global Presence Clients Service Network Channels Human Resources 25

26 Global Presence Brazil Total Service Network Own Service Network 18,992 Branches 5,490 MaisBB Network¹ 15,270 Banco Postal 6,188 Shared Service Network 34,080 Total 68,342 (1) Banking Agents and Postal Bank branches Norte 28.9% Quantity of Bank Branches (Regional Market Share) Nordeste 32.5% Centro Oeste 26.6% Sul 24.8% Sudeste 20.0% Total = 23.8% Market Share in Brazil Banco do Brasil in the World Branches 12 Sub-branches 5 Representative Offices 10 Subsidiaries and affiliates 16 Shared Services Units 2 Business Units 1 Presence in 25 Countries 26

27 Clients and Service Network Channels Clients BB Digital Transactions¹ in 1H million Clients Total Volume Total Transactions 10.7 million Savers 2.3 million SMEs 2.3 million INSS s Pensioners R$ 509 bi (34.9%) R$ 948 bi (65.1%) 2.2 billion (40.9%) 3.1 billion (59.1%) BB Digital Mobile (million transactions) BB Digital² Other Channels³ Automated Teller Machines (thousand) % 1, , S14 Jun/13 Sep/13 Dec/13 Mar/14 Automated Teller Machines ATM: Banco 24h ATM: BRB + CEF (1) Salary loans transactions, Insurance, Payments, MoneyTransfers and account balance (2) ATM, mobile and internet (3) Branches, Agents in Country, Banco Postal and CABB 27

28 Human Resources Changes of BB s Staff (thousand) Jun/10 Jun/11 Jun/12 Jun/13 Employees Interns Profile of Staff Members Education s Level Jun/13 Jun/13 0.4% 0.4% 58.6% 41.4% 58.4% 41.6% 28.8% 24.4% 31.1% 22.8% 46.4% 45.8% High School Specialization, Master s and Doctorate Female Male College others 28

29 Sustainability Agenda 21 BB BB Volunteer Program Sustainable Regional Development Banco do Brasil Foundation 29

30 Agenda 21 BB and CMN Resolution Specific Policy for Environmental Responsability Governance Environmental Risk CMN Resolution Agenda 21 BB Triennial Sustainability Plan since 2005 Topics: Social Businesses/ Financial Inclusion/ Businesses Opportunities Current Version ( ) has 92 macro actions Updates every 2 years from market and social demands Followed by Sustainability Forum, Board of Directors and Board of Officers Results presented in the Annual Report GRI G4 Audited Capital Market Awards: DJSI, ISE, ICO2 30

31 BB Volunteer Program Number of Volunteers Regional Distribution 15,336 12,515 22% 18% Midwest 1,449 1,712 1,918 2,118 2,475 4,911 8,399 38% 16% 6% Northeast North Southeast South H14 BB Volunteers Project: FBB¹ e FIA² Resources (R$ mil) 17,527 1,968 1,173 6,477 5, ,509 2,525 3,471 3,434 4,180 4, FBB S14 FIA (1) Banco do Brasil Foundation. (2) Fund for Children and Adolescents. (3) Support for projects with waives tax resources (FIA) will occur in the second half of

32 Sustainable Regional Development (DRS) DRS Action DRS Integrated Action Model 75% Rural Activities Production Chains Actions Integration Large Ventures Public Policies Prioritized Publics DRS Portfolio: R$ 7.8 billion NPL 60: 1.34% 25% Urban Activities Base Methodology Action Plans BB Strategies Government Programs Integration/ BB Portfolio Clients Satisfaction and Sustainable Consumption SCOPE Businesses Plans 100 Supported Activities 33 Validated Plans 33 Branches 32 Cities 32

33 Banco do Brasil Foundation Private Social Investments (R$ million) % 2010 Sources of the Resources Invested 1H14 (R$ million) 39,5 FBB 102,3 BNDES 28% 0,11 0,014 BID Own Resources Third Party Resources PETROBRAS Line of Actions 1H % 3.53% 10.6% 0.01% 0% % Jan-Jun 2014 Water Education Agroecology Others Solid Waste Agroindustry 33

34 Investor Relations Unit Av. Paulista, nd Floor- São Paulo-SP CEP Telephone: +55 (11) ir@bb.com.br bb.com.br/ir 34