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BBVA Colombia
2013
“Working for a better future for people”
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.
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3
BBVA
Group
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BBVA: A global financial group, recurrent and in
expansion
Customer Centric
Model
Leadership in
main markets
155 years experience
in banking
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10
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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.
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For BBVA Research, the expectections are positive
The economy grew up better than expected on 2Q13
Prediction to have a good performance at the end of period
Employment: indicators are stable.
14
The confidence starts to recover based on the good expectations, especially
in the industrial system
Inflation controlled and Monetary expansion
Political enviorment: 2014 elections and legal stability (Courthouse
and legislative changes) could affect the banks results.
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The largest foregin
Bank in Colombia
Presence in Colombia
since 1996
4°
Mortgages
Net Loans
Assets Transactional
Deposits
Total
Deposits
Personal Banking 3°
1
35 Bill. $ Assets
4 Mill. Clients
444 Offices
429 Branches
1.054 ATM´s
5.165 Employees
BBVA Colombia, 16 years committed with
Colombia
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Lending Deposits
Equity Net Benefit
Var.
y/y %
Var.
CAGR%
High growth in activities and results on BBVA
Colombia.
17,954 18,748 20,488 21,166
24,704
13%
21%
17%
Sep.11 Dec.11 Sep.12 Dec.12 Sep.13
17,166 18,652 21,139
24,282 27,984
30%
32%
28%
Sep.11 Dec.11 Sep.12 Dec.12 Sep.13
2,426 2,564 2,722 2,857 3,027
11%
11%
12%
Sep.11 Dec.11 Sep.12 Dec.12 Sep.13
348 350 373
6%
4%
Sep.11 Sep.12 Sep.13
Thousand million
$COP
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Market share - Lending (%) Market share - Deposits(%)
Strength in retail activity on individuals
… Customer´s confidence
Lending
Thousand million COP$ Sep.13 Var. 13/12
Consumption 7,384 24%
Credit Cards 1,042 13%
Mortgages 5,812 21%
Commercial 10,466 19%
Total Lending 24,704 21%
Clients Deposits
Thousand million COP$ Sep.13 Var. 13/12
Checking accounts 4,128 32%
Savings 15,961 39%
Term Deposits 7,612 21%
Others 282 22%
Total Deposits 27,984 32%
Share Aug - 13 Var. TAM (pb)
Consumption 13,11 +130
Credit cards 6,80 +5
Mortgages 18,59 +19
Commercial 6,62 -21
Total Lending 9,51 +19
Share Aug - 13 Var. TAM (pb)
Checking Accounts
9,96 +65
Savings 12,25 +67
Term Deposits 9,95 +123
Total Deposits 10,97 +92
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Liabilities structure centered on the customers
resources
50.7% 50.8% 52.2% 53.5% 53.4% 53.4% 52.1% 51.5% 51.8% 52.7% 54.0% 54.0% 53.5%
15.4% 14.7% 14.9% 15.4% 15.0% 14.8% 13.8% 15.0% 14.5% 15.2% 15.2% 15.4% 15.6%
27.2% 28.0% 27.4% 26.1% 26.6% 26.7%28.2% 27.7% 27.9% 26.6% 25.3% 25.1% 25.8%
6.8% 6.5% 5.5% 5.1% 5.0% 5.2% 5.9% 5.8% 5.8% 5.6% 5.5% 5.6% 5.1%
Se
p-1
2
Oc
t-1
2
No
v-1
2
Dic
-12
En
e-1
3
Fe
b-1
3
Ma
r-1
3
Ab
r-1
3
Ma
y-1
3
Jun
-13
Jul-
13
Ag
o-1
3
Se
p-1
3
Ahorros Vista CDT´s Bonos
Dec
-12
Au
g-1
3
Jan
-13
TD Bonds CA Savings
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Good situation of the Bank in relation on
the maturity of bonds.
TYPE DATE TERM NOMINAL VALUE
EXPIRATION DATE
Int. Rates of
IPC / 1
Ordinary Bonds - 2008 - 04 Aug-09 26-Aug-08 6 years 43,110 26/08/2014 IPC+ 4.58%
Ordinary Bonds - 2008 - 04 Aug-09 26-Aug-08 11 years 155,000 26/08/2019 IPC + 5.69%
Ordinary Bonds - 2009 - 29 Sept - 10 29-Sep-10 5 years 33,600 29/09/2015 IPC + 3.05%
Ordinary Bonds - 2009 - 29 Sept - 10 29-Sep-10 7 years 134,050 29/09/2017 IPC + 3.70%
Subordinated Bonds - 2011 - 19 Sep - 18 19-Sep-11 7 years 102,000 19/09/2018 IPC + 4.28%
Subordinated Bonds - 2011 - 19 Sep - 21 19-Sep-11 10 years 106,000 19/09/2021 IPC + 4.45%
Subordinated Bonds - 2011 - 19 Sep - 26 19-Sep-11 15 years 156,000 19/09/2026 IPC + 4.70%
Subordinated Bonds 2013 - 19 Feb 2013 19-Sep-11 10 years 200,000 19/02/2023 IPC + 3.60%
Subordinated Bonds 2013 - 19 Feb 2014 19-Sep-11 15 years 165,000 19/02/2028 IPC + 3.89%
Total Bonds (IPC) 1,094,760
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22
Net interest income 2011 -2013 Gross Margin 2011 -2013
Net Margin
2011 -2013
884 1.070
1.202
12%
17%
Sep.11 Sep.12 Sep.13
1.221 1.454
1.608
11%
15%
Sep.11 Sep.12 Sep.13
440 495 516
4%
8%
Sep.11 Sep.12 Sep.13
Var.
y/y %
Thousand million
$COP
Var.
CAGR%
Recurrent benefit creation…
…increasing
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23
Outstanding growth with the best quality ratios…
NPL ratio
2011 -2013 (%)
Coverage ratio
2011 -2013 (%)
1.31 1.21
1.37
1.85 1.95
2.05
Aug.11 Aug.12 Aug.13
BBVA
System
310.95 322.22
258.14
247.59 233.97
218.92
Aug.11 Aug.12 Aug.13
BBVA
System
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11,2710 ,70
11,27
11,65
Sep.12 Sep.13
15.82
14.25
BBVA System
24
Confortable levels in Solvency, focused on
profitability
Solvency ratio
September(%)
SFC
9%
18.84 16.23
14.61 13.11 11.35
BBVA Peer 1 Sector Peer 2 Peer 3
-338
ROE BBVA vs. System Aug. 13 (%)
+57 -121 -248 -153
ROE Ex – Goodwill Peer Group Aug. 13 (%)
*New metholody
Previous
methodology
*Decreto 1771
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Ratings – BBVA Colombia Outstanding…
•Increasing importance of the BBVA Colombia´s strategy
on the global BBVA Group, because the good
performance
• The viability ratings has improved, by the success
efforts of the bank, in the improvement of the assets
quality , increased profitability , reserves and capital,
which provides solidity
Fitch Moody´s
Long term FX BBB- Baa3
Short term FX F2 P3
Long term ML BBB Baa2
Short term ML F2 P3
Internationals
Calificación
Long term ML AAA
Short term ML F1+ col
Calificación
Long term ML AAA
Short term ML BRC 1+
Fitch Ratings
Colombia S.A.
BRC Investor
Services S.A.
Locals
BBVA Colombia has the highest qualification on grade investment
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26
In Conclusion
Business Model based on sustained and recurrent
revenues creation.
Healthy growth, with credit quality
Subsidiary Model (Headquarter Know How.)
Broad levels in solvency, focused on
profitability
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Contact us.
Investors Relation Team
E-mail: [email protected]
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.
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BBVA Colombia
2013
“Working for a better future for people”
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.