This presentation provides an overview of Banco do Brasil for the 4th quarter of 2015. It discusses the company profile, highlighting Banco do Brasil's leadership position in Brazil's banking industry and focus on services. The presentation also provides earnings highlights and discusses Brazil's macroeconomic environment. Key points include Banco do Brasil's large and diversified asset base, focus on individual and corporate clients, and stable funding sources including deposits.
- Itaú Unibanco reported a 3.1% increase in recurring net income for the 2nd quarter of 2013 compared to the previous quarter, totaling R$3.6 billion.
- Operational performance was positive, with the credit portfolio growing 2.5% in the quarter. Financial margin with clients grew 3.4% compared to the previous quarter.
- Credit quality improved, with non-performing loans decreasing 30 basis points in the quarter and 100 basis points over 12 months. Loan loss provisions expenses were stable compared to the previous quarter.
This document summarizes Itaú Unibanco's financial results for the 4th quarter of 2013. Key highlights include:
- Net income increased 16.3% compared to the previous quarter totaling R$4.6 billion.
- Loan loss provisions decreased 7.6% compared to the previous quarter. The non-performing loan ratio reached its lowest level since the Itaú and Unibanco merger.
- Total loan portfolio grew 5.9% compared to the previous quarter reaching R$509.9 billion, driven by a 25.9% increase in credit cards and 66.6% increase in payroll loans.
This document is the consolidated financial statements of Hyundai Card Co., Ltd. and its subsidiaries for the years ended December 31, 2015 and 2014, as prepared by the company's management and audited by an independent auditor. It includes the consolidated statements of financial position, comprehensive income, changes in equity, and cash flows. The financial statements present the company's financial position, performance, and cash flows for the years ended December 31, 2015 and 2014 in accordance with Korean International Financial Reporting Standards.
This document provides financial highlights and performance metrics for JPMorgan Chase & Co. for the second quarter of 2008. Some key details include:
- Net income was $2 billion, down 16% from the previous quarter and 53% from the same quarter last year.
- Total assets grew to $1.78 trillion, up 8% from the previous quarter.
- Total deposits declined slightly to $723 billion.
- The provision for credit losses was $3.5 billion, down 22% from the previous quarter due to higher loss rates.
This document provides the consolidated financial statements of Hyundai Commercial, Inc. and its subsidiaries for the years ended December 31, 2012 and 2011. It includes the consolidated statements of financial position, comprehensive income, changes in equity, and cash flows for 2012 and 2011, as well as notes to the financial statements. The report of the independent auditors expresses an unqualified opinion that the consolidated financial statements present fairly the financial position, results of operations and cash flows of Hyundai Commercial, Inc. and its subsidiaries in accordance with Korean IFRS.
This document is the report of the directors and statutory audit committee and consolidated and separate financial statements for Sterling Bank PLC for the year ended 31 December 2017. It includes sections on corporate structure and business, operating results, directors who served during the year and their interests in shares and contracts, analysis of shareholding, and donations and charitable gifts made by the bank during the year. The key information provided includes the bank's principal activities, profit for the year, transfer to reserves, non-performing loan ratio, earnings per share, directors serving and their shareholdings, major shareholders holding over 5%, and donations totaling N346 million.
Localiza Rent a Car reported its earnings for 2Q13 and 1H13. Net revenue increased 6.1% for the car rental division and 11.6% for the fleet outsourcing division in 2Q13. Net income increased significantly, up 34.6% excluding the effect of a tax reduction in 2Q12. The company's fleet grew by 7,569 vehicles in 2Q13 through purchases and sales. Key metrics like debt ratios remained stable and comfortable.
This document provides financial statements for Guaranty Trust Bank PLC for the year ended 31 December 2009. It includes the consolidated statement of financial position, consolidated statement of comprehensive income, consolidated statement of changes in equity, and consolidated statement of cash flows. The financial statements show the bank had total assets of NGN 1,078,177,585,000 and total equity of NGN 198,266,041,000 as of 31 December 2009. For the year, the bank reported a profit of NGN 28,603,078,000 and total comprehensive income of NGN 29,457,441,000.
- Itaú Unibanco reported a 3.1% increase in recurring net income for the 2nd quarter of 2013 compared to the previous quarter, totaling R$3.6 billion.
- Operational performance was positive, with the credit portfolio growing 2.5% in the quarter. Financial margin with clients grew 3.4% compared to the previous quarter.
- Credit quality improved, with non-performing loans decreasing 30 basis points in the quarter and 100 basis points over 12 months. Loan loss provisions expenses were stable compared to the previous quarter.
This document summarizes Itaú Unibanco's financial results for the 4th quarter of 2013. Key highlights include:
- Net income increased 16.3% compared to the previous quarter totaling R$4.6 billion.
- Loan loss provisions decreased 7.6% compared to the previous quarter. The non-performing loan ratio reached its lowest level since the Itaú and Unibanco merger.
- Total loan portfolio grew 5.9% compared to the previous quarter reaching R$509.9 billion, driven by a 25.9% increase in credit cards and 66.6% increase in payroll loans.
This document is the consolidated financial statements of Hyundai Card Co., Ltd. and its subsidiaries for the years ended December 31, 2015 and 2014, as prepared by the company's management and audited by an independent auditor. It includes the consolidated statements of financial position, comprehensive income, changes in equity, and cash flows. The financial statements present the company's financial position, performance, and cash flows for the years ended December 31, 2015 and 2014 in accordance with Korean International Financial Reporting Standards.
This document provides financial highlights and performance metrics for JPMorgan Chase & Co. for the second quarter of 2008. Some key details include:
- Net income was $2 billion, down 16% from the previous quarter and 53% from the same quarter last year.
- Total assets grew to $1.78 trillion, up 8% from the previous quarter.
- Total deposits declined slightly to $723 billion.
- The provision for credit losses was $3.5 billion, down 22% from the previous quarter due to higher loss rates.
This document provides the consolidated financial statements of Hyundai Commercial, Inc. and its subsidiaries for the years ended December 31, 2012 and 2011. It includes the consolidated statements of financial position, comprehensive income, changes in equity, and cash flows for 2012 and 2011, as well as notes to the financial statements. The report of the independent auditors expresses an unqualified opinion that the consolidated financial statements present fairly the financial position, results of operations and cash flows of Hyundai Commercial, Inc. and its subsidiaries in accordance with Korean IFRS.
This document is the report of the directors and statutory audit committee and consolidated and separate financial statements for Sterling Bank PLC for the year ended 31 December 2017. It includes sections on corporate structure and business, operating results, directors who served during the year and their interests in shares and contracts, analysis of shareholding, and donations and charitable gifts made by the bank during the year. The key information provided includes the bank's principal activities, profit for the year, transfer to reserves, non-performing loan ratio, earnings per share, directors serving and their shareholdings, major shareholders holding over 5%, and donations totaling N346 million.
Localiza Rent a Car reported its earnings for 2Q13 and 1H13. Net revenue increased 6.1% for the car rental division and 11.6% for the fleet outsourcing division in 2Q13. Net income increased significantly, up 34.6% excluding the effect of a tax reduction in 2Q12. The company's fleet grew by 7,569 vehicles in 2Q13 through purchases and sales. Key metrics like debt ratios remained stable and comfortable.
This document provides financial statements for Guaranty Trust Bank PLC for the year ended 31 December 2009. It includes the consolidated statement of financial position, consolidated statement of comprehensive income, consolidated statement of changes in equity, and consolidated statement of cash flows. The financial statements show the bank had total assets of NGN 1,078,177,585,000 and total equity of NGN 198,266,041,000 as of 31 December 2009. For the year, the bank reported a profit of NGN 28,603,078,000 and total comprehensive income of NGN 29,457,441,000.
This document contains:
1) Hyundai Motor Company's consolidated financial statements for 2011 and 2010, including statements of financial position, income, comprehensive income, changes in shareholders' equity, and cash flows.
2) An independent auditors' report stating that the financial statements were audited in accordance with standards and present fairly the financial position and results of Hyundai Motor Company.
3) Notes and disclosures related to the financial statements.
The document is a quarterly report from a Brazilian bank providing key financial highlights and performance metrics for 2Q13. Some key points:
- Net income for 2Q13 totaled BRL 64.7 million with a 14.6% return on average equity.
- The expanded credit portfolio reached BRL 16.879 billion, with BRL 14.608 billion in the Corporate segment and BRL 2.271 billion in the Middle Market segment.
- Income from banking service fees such as guarantees issued, capital markets/M&A fees, and banking tariffs totaled BRL 44.5 million in 2Q13, a 35% increase over the previous quarter.
ACG's Managing Director, Alexander Aginsky, presented on the topic of direct investments in EB-5 to an audience of immigration attorneys members of IMMLAW in Vancouver, BC.
The document is the annual report of Stanbic IBTC Holdings PLC for the year ended 31 December 2016. It provides details on the company's directors, operating results, shareholding, donations and events after the reporting date. Specifically:
- Gross earnings increased 11.7% to N156.4 billion while profit before tax rose 56.3% to N37.2 billion.
- A final dividend of 5 kobo per share was recommended, consistent with the previous year.
- The largest shareholders were Stanbic Africa Holdings Limited with 53.2% and First Century International Limited with 7.47%.
- Donations and charitable gifts for the year totalled N121.7 million.
The Chairman summarizes GTAssur's performance in 2009, a challenging year marked by turmoil in Nigeria's banking sector. While gross premiums grew 30% and underwriting profit grew 23%, investment income declined 31% due to market losses, resulting in a 34% drop in pre-tax profits. However, the company strengthened governance and risk management. The board declared a total dividend of 9k per share on an enlarged capital base. Outlook for 2010 is positive as the economy continues growing despite recent challenges.
The document is the interim financial report of Mansard Insurance Plc for the period ended 30 June 2012. It includes:
- A summary of the Group's operating results showing a profit before tax of N1.03 billion and profit after tax of N902 million.
- Details of donations made in the period totaling N1.28 million in the prior year period.
- Information on the directors including their shareholdings and that Assur Africa Holding Limited is the major shareholder with 73.78% holding.
- An analysis of the shareholding structure showing the distribution of shares among different share ranges.
The annual report summarizes Stanbic IBTC Holdings PLC's performance in 2015. It notes that 2015 was a challenging year globally and nationally, with declining commodity prices and economic uncertainties. Stanbic IBTC achieved gross earnings of N140 billion for 2015, up 7% from 2014, but net interest income fell 6% and profit after tax declined 45% to N18.9 billion, due to loan loss provisions and the difficult operating environment. The Chairman highlights that despite the challenges, Stanbic IBTC continues to receive various awards and will seek innovative ways to deliver value to stakeholders in the coming years.
- The document is the interim consolidated financial statements of Hyundai Capital Services, Inc. and its subsidiaries as of June 30, 2012 and 2011.
- It includes the consolidated statements of financial position, comprehensive income, changes in equity, and cash flows for the periods ended June 30, 2012 and 2011.
- The financial statements provide information on Hyundai Capital's assets, liabilities, equity, revenues, expenses, and cash flows for the interim periods.
- Credit Suisse Group reported a net loss of CHF 579 million for Q2 2002, primarily due to losses from their insurance businesses resulting from declines in equity markets.
- For the first half of 2002, the Group posted a net loss of CHF 211 million, compared to a net profit of CHF 2.7 billion in the first half of 2001.
- Looking forward, Credit Suisse expects continued challenges from their insurance businesses due to ongoing low equity markets, but aims to improve technical results through repricing policies, cost reductions, and strengthening Winterthur's capital base.
This document is the annual report of Zenith Bank PLC for the year ended 31 December 2015. It provides details such as the directors and other officers of the bank, operating results for 2015 which show a 7.2% increase in gross earnings and 4.9% increase in profit before tax. It also discusses dividends, directors' shareholdings, donations made, and the shareholding analysis of the bank.
The annual report summarizes GTAssur's financial performance for 2010. Key points include:
- Gross premium income grew 40% to N7.52 billion while underwriting profit grew 50% to N1.59 billion.
- Profit before tax grew 25% to N1.47 billion despite a 57% decline in investment income due to low interest rates.
- The board has proposed a dividend of 9 kobo per share for 2010.
- The chairman thanked staff for their hard work in achieving results amid difficult market conditions.
This document summarizes Global Cash Access's proposed acquisition of Multimedia Games for approximately $1.2 billion. The combination brings together a global leader in cash access services and the fastest growing US slot machine manufacturer. It is expected to diversify revenue, expand margins, accelerate growth, and realize significant cost synergies. The transaction is expected to close in 4 to 7 months, pending shareholder and regulatory approvals.
Banco Davivienda presented its corporate presentation for June 2020. The presentation included information on Davivienda's financial performance, business lines, digital transformation, and response to COVID-19. It noted that while net profit was down year-over-year due to the pandemic, key metrics like assets, loans, and deposits still experienced strong growth. The presentation also provided details on Davivienda's diversified portfolio, funding sources, and leadership in promoting financial inclusion through initiatives like its digital wallet Daviplata.
This document summarizes Hyundai Capital Services' interim consolidated financial statements for March 31, 2012 and 2011. It includes:
- Interim consolidated statements of financial position as of March 31, 2012 and December 31, 2011.
- Interim consolidated statements of comprehensive income for the three-month periods ended March 31, 2012 and 2011.
- Interim consolidated statements of changes in equity for the three-month periods ended March 31, 2012 and 2011.
- Interim consolidated statements of cash flows for the three-month periods ended March 31, 2012 and 2011.
- Notes to the interim consolidated financial statements.
The document provides an overview of Hyundai Capital Services' financial
The document is a notice and proxy statement from Circuit City Stores, Inc. for its annual meeting of shareholders to be held on June 21, 2005. The purposes of the meeting are to elect four directors, approve an amended stock incentive plan, approve an employee stock purchase program, and ratify the appointment of the company's independent auditor. Shareholders as of April 25, 2005 are entitled to vote. The meeting will cover routine annual issues like electing directors and approving financial auditors.
- The document is Zenith Bank's annual report for the year ended December 31, 2017. It includes information such as the directors and officers of the bank, the bank's operating results for the year, and the directors' shareholdings.
- Some key highlights include gross earnings increasing 46.7% to N745.19 billion and profit before tax increasing 29.8% to N203.46 billion. The board is proposing a final dividend of N2.45 per share.
- The largest shareholder is the chairman, Mr. Jim Ovia, with a direct shareholding of 2,946,199,395 shares and an indirect shareholding of 1,593,494,151 shares.
- The document is the interim consolidated financial statements of Hyundai Capital Services, Inc. and its subsidiaries as of September 30, 2012 and 2011.
- It includes consolidated statements of financial position, comprehensive income, changes in equity, cash flows, and notes to the financial statements.
- The financial statements provide quarterly and year-to-date financial information on Hyundai Capital's assets, liabilities, equity, revenue, expenses, and cash flows.
Revised ford county financial evaluation reportkrgc
The document provides an analysis of two proposals for gaming facilities in Ford County, Kansas - Boothill Casino and Resort in Dodge City and Dodge City Casino Resort.
1. Boothill Casino proposes a $102 million project with $70 million in debt financing and $32 million in equity. Dodge City Casino Resort proposes a $60.3 million project with $40 million in debt and $20.3 million in equity.
2. The analysis questions the financial capability of Butler National Corporation, a partner in the Boothill proposal, to provide the necessary equity funding. Dodge City Resort states it has funding agreements for the project but does not provide verification of financial capacity.
3. Both proposals plan
The document is Guaranty Trust Bank's 2017 annual report. It includes:
- An overview of the bank's corporate governance structure and compliance with SEC and CBN governance codes.
- Summaries of the bank's financial performance for 2017, showing growth in gross earnings, profit before tax, and profit after tax compared to 2016.
- Reports and statements from the board of directors, audit committee, and independent auditor regarding the bank's financials and operations.
- Details of the bank's vision, mission, directors, notice for the upcoming annual general meeting, and various sections of the financial statements.
The document provides an overview of Vietnam's insurance market in 2012. It summarizes that the total insurance market continued to grow at a rate of 9.66% compared to 2011. The life insurance market grew at rates between 8-53% from 2008-2012, while the non-life market saw growth in all business lines. Motor vehicle and health insurance were the largest segments by premium revenue. Bao Viet dominated both the life and non-life markets with over 35% and 37% market share respectively. The reinsurance market was dominated by foreign reinsurers and focused on high risk lines like motor and health. The market faces challenges from regulations limiting foreign players, but opportunities exist in new product lines and the need for re
The document summarizes PINE's 2013 earnings release conference call. It provides an overview of key financial highlights and performance indicators for 2013, including an 18.7% increase in total funding to R$8.38 billion and a 24.9% increase in loan portfolio to R$9.93 billion. It also reviews business line contributions, product and revenue diversification, net interest margin, expenses, loan portfolio quality, the fixed income, currencies and commodities business, and PINE Investimentos. The document indicates that results were positive across all business lines due to a strategy of providing complete service to clients.
- Net income for the third quarter of 2011 totaled BRL 58.5 million, with an annualized return on equity of 16.2%. The credit portfolio reached BRL 12,539.0 million.
- The quality of the credit portfolio remained high, with 98% of loans rated between AA and C. Loan loss reserves were 0.71% of the portfolio.
- The net interest margin was 5.7% and efficiency ratio was 36.4%, showing strong profitability and cost control.
This document contains:
1) Hyundai Motor Company's consolidated financial statements for 2011 and 2010, including statements of financial position, income, comprehensive income, changes in shareholders' equity, and cash flows.
2) An independent auditors' report stating that the financial statements were audited in accordance with standards and present fairly the financial position and results of Hyundai Motor Company.
3) Notes and disclosures related to the financial statements.
The document is a quarterly report from a Brazilian bank providing key financial highlights and performance metrics for 2Q13. Some key points:
- Net income for 2Q13 totaled BRL 64.7 million with a 14.6% return on average equity.
- The expanded credit portfolio reached BRL 16.879 billion, with BRL 14.608 billion in the Corporate segment and BRL 2.271 billion in the Middle Market segment.
- Income from banking service fees such as guarantees issued, capital markets/M&A fees, and banking tariffs totaled BRL 44.5 million in 2Q13, a 35% increase over the previous quarter.
ACG's Managing Director, Alexander Aginsky, presented on the topic of direct investments in EB-5 to an audience of immigration attorneys members of IMMLAW in Vancouver, BC.
The document is the annual report of Stanbic IBTC Holdings PLC for the year ended 31 December 2016. It provides details on the company's directors, operating results, shareholding, donations and events after the reporting date. Specifically:
- Gross earnings increased 11.7% to N156.4 billion while profit before tax rose 56.3% to N37.2 billion.
- A final dividend of 5 kobo per share was recommended, consistent with the previous year.
- The largest shareholders were Stanbic Africa Holdings Limited with 53.2% and First Century International Limited with 7.47%.
- Donations and charitable gifts for the year totalled N121.7 million.
The Chairman summarizes GTAssur's performance in 2009, a challenging year marked by turmoil in Nigeria's banking sector. While gross premiums grew 30% and underwriting profit grew 23%, investment income declined 31% due to market losses, resulting in a 34% drop in pre-tax profits. However, the company strengthened governance and risk management. The board declared a total dividend of 9k per share on an enlarged capital base. Outlook for 2010 is positive as the economy continues growing despite recent challenges.
The document is the interim financial report of Mansard Insurance Plc for the period ended 30 June 2012. It includes:
- A summary of the Group's operating results showing a profit before tax of N1.03 billion and profit after tax of N902 million.
- Details of donations made in the period totaling N1.28 million in the prior year period.
- Information on the directors including their shareholdings and that Assur Africa Holding Limited is the major shareholder with 73.78% holding.
- An analysis of the shareholding structure showing the distribution of shares among different share ranges.
The annual report summarizes Stanbic IBTC Holdings PLC's performance in 2015. It notes that 2015 was a challenging year globally and nationally, with declining commodity prices and economic uncertainties. Stanbic IBTC achieved gross earnings of N140 billion for 2015, up 7% from 2014, but net interest income fell 6% and profit after tax declined 45% to N18.9 billion, due to loan loss provisions and the difficult operating environment. The Chairman highlights that despite the challenges, Stanbic IBTC continues to receive various awards and will seek innovative ways to deliver value to stakeholders in the coming years.
- The document is the interim consolidated financial statements of Hyundai Capital Services, Inc. and its subsidiaries as of June 30, 2012 and 2011.
- It includes the consolidated statements of financial position, comprehensive income, changes in equity, and cash flows for the periods ended June 30, 2012 and 2011.
- The financial statements provide information on Hyundai Capital's assets, liabilities, equity, revenues, expenses, and cash flows for the interim periods.
- Credit Suisse Group reported a net loss of CHF 579 million for Q2 2002, primarily due to losses from their insurance businesses resulting from declines in equity markets.
- For the first half of 2002, the Group posted a net loss of CHF 211 million, compared to a net profit of CHF 2.7 billion in the first half of 2001.
- Looking forward, Credit Suisse expects continued challenges from their insurance businesses due to ongoing low equity markets, but aims to improve technical results through repricing policies, cost reductions, and strengthening Winterthur's capital base.
This document is the annual report of Zenith Bank PLC for the year ended 31 December 2015. It provides details such as the directors and other officers of the bank, operating results for 2015 which show a 7.2% increase in gross earnings and 4.9% increase in profit before tax. It also discusses dividends, directors' shareholdings, donations made, and the shareholding analysis of the bank.
The annual report summarizes GTAssur's financial performance for 2010. Key points include:
- Gross premium income grew 40% to N7.52 billion while underwriting profit grew 50% to N1.59 billion.
- Profit before tax grew 25% to N1.47 billion despite a 57% decline in investment income due to low interest rates.
- The board has proposed a dividend of 9 kobo per share for 2010.
- The chairman thanked staff for their hard work in achieving results amid difficult market conditions.
This document summarizes Global Cash Access's proposed acquisition of Multimedia Games for approximately $1.2 billion. The combination brings together a global leader in cash access services and the fastest growing US slot machine manufacturer. It is expected to diversify revenue, expand margins, accelerate growth, and realize significant cost synergies. The transaction is expected to close in 4 to 7 months, pending shareholder and regulatory approvals.
Banco Davivienda presented its corporate presentation for June 2020. The presentation included information on Davivienda's financial performance, business lines, digital transformation, and response to COVID-19. It noted that while net profit was down year-over-year due to the pandemic, key metrics like assets, loans, and deposits still experienced strong growth. The presentation also provided details on Davivienda's diversified portfolio, funding sources, and leadership in promoting financial inclusion through initiatives like its digital wallet Daviplata.
This document summarizes Hyundai Capital Services' interim consolidated financial statements for March 31, 2012 and 2011. It includes:
- Interim consolidated statements of financial position as of March 31, 2012 and December 31, 2011.
- Interim consolidated statements of comprehensive income for the three-month periods ended March 31, 2012 and 2011.
- Interim consolidated statements of changes in equity for the three-month periods ended March 31, 2012 and 2011.
- Interim consolidated statements of cash flows for the three-month periods ended March 31, 2012 and 2011.
- Notes to the interim consolidated financial statements.
The document provides an overview of Hyundai Capital Services' financial
The document is a notice and proxy statement from Circuit City Stores, Inc. for its annual meeting of shareholders to be held on June 21, 2005. The purposes of the meeting are to elect four directors, approve an amended stock incentive plan, approve an employee stock purchase program, and ratify the appointment of the company's independent auditor. Shareholders as of April 25, 2005 are entitled to vote. The meeting will cover routine annual issues like electing directors and approving financial auditors.
- The document is Zenith Bank's annual report for the year ended December 31, 2017. It includes information such as the directors and officers of the bank, the bank's operating results for the year, and the directors' shareholdings.
- Some key highlights include gross earnings increasing 46.7% to N745.19 billion and profit before tax increasing 29.8% to N203.46 billion. The board is proposing a final dividend of N2.45 per share.
- The largest shareholder is the chairman, Mr. Jim Ovia, with a direct shareholding of 2,946,199,395 shares and an indirect shareholding of 1,593,494,151 shares.
- The document is the interim consolidated financial statements of Hyundai Capital Services, Inc. and its subsidiaries as of September 30, 2012 and 2011.
- It includes consolidated statements of financial position, comprehensive income, changes in equity, cash flows, and notes to the financial statements.
- The financial statements provide quarterly and year-to-date financial information on Hyundai Capital's assets, liabilities, equity, revenue, expenses, and cash flows.
Revised ford county financial evaluation reportkrgc
The document provides an analysis of two proposals for gaming facilities in Ford County, Kansas - Boothill Casino and Resort in Dodge City and Dodge City Casino Resort.
1. Boothill Casino proposes a $102 million project with $70 million in debt financing and $32 million in equity. Dodge City Casino Resort proposes a $60.3 million project with $40 million in debt and $20.3 million in equity.
2. The analysis questions the financial capability of Butler National Corporation, a partner in the Boothill proposal, to provide the necessary equity funding. Dodge City Resort states it has funding agreements for the project but does not provide verification of financial capacity.
3. Both proposals plan
The document is Guaranty Trust Bank's 2017 annual report. It includes:
- An overview of the bank's corporate governance structure and compliance with SEC and CBN governance codes.
- Summaries of the bank's financial performance for 2017, showing growth in gross earnings, profit before tax, and profit after tax compared to 2016.
- Reports and statements from the board of directors, audit committee, and independent auditor regarding the bank's financials and operations.
- Details of the bank's vision, mission, directors, notice for the upcoming annual general meeting, and various sections of the financial statements.
The document provides an overview of Vietnam's insurance market in 2012. It summarizes that the total insurance market continued to grow at a rate of 9.66% compared to 2011. The life insurance market grew at rates between 8-53% from 2008-2012, while the non-life market saw growth in all business lines. Motor vehicle and health insurance were the largest segments by premium revenue. Bao Viet dominated both the life and non-life markets with over 35% and 37% market share respectively. The reinsurance market was dominated by foreign reinsurers and focused on high risk lines like motor and health. The market faces challenges from regulations limiting foreign players, but opportunities exist in new product lines and the need for re
The document summarizes PINE's 2013 earnings release conference call. It provides an overview of key financial highlights and performance indicators for 2013, including an 18.7% increase in total funding to R$8.38 billion and a 24.9% increase in loan portfolio to R$9.93 billion. It also reviews business line contributions, product and revenue diversification, net interest margin, expenses, loan portfolio quality, the fixed income, currencies and commodities business, and PINE Investimentos. The document indicates that results were positive across all business lines due to a strategy of providing complete service to clients.
- Net income for the third quarter of 2011 totaled BRL 58.5 million, with an annualized return on equity of 16.2%. The credit portfolio reached BRL 12,539.0 million.
- The quality of the credit portfolio remained high, with 98% of loans rated between AA and C. Loan loss reserves were 0.71% of the portfolio.
- The net interest margin was 5.7% and efficiency ratio was 36.4%, showing strong profitability and cost control.
This document provides an investor presentation for Banco ABC Brasil covering their strategy, business segments, funding and capital base, financial highlights, and ownership structure. It summarizes that Banco ABC Brasil provides commercial banking services in Brazil focused on corporate and middle market clients, with an emphasis on growing profitably in these segments through increased cross-selling. It also reviews the bank's diversified funding sources, strong capital and asset-liability management, improving credit quality, and majority ownership by Arab Banking Corporation.
This document summarizes Pine Bank's 3Q17 earnings release conference call. It discusses the bank's turnaround efforts focusing on professional management, excess capital, and excess liquidity. Key measures taken include increasing loan loss provisions, breaking down credit portfolios, and increasing portfolio coverage ratios to reduce provision volatility and allow for recurring net income growth. The document provides financial results, highlights from various business lines, and guidance for 2018 with a focus on loan portfolio growth and return on equity.
- The document is Pine Bank's 3Q12 earnings release, which summarizes key financial highlights and events from the quarter.
- Net income increased 23.7% year-over-year, with positive revenue contributions from all business lines. The BIS capital adequacy ratio reached 17%.
- The Central Bank approved the first phase of Pine Bank's capital increase of R$139.6 million, which has been incorporated into shareholders' equity.
The document summarizes the key financial highlights of a company's 2nd quarter 2011 conference call. It notes that net income totaled BRL 60.2 million in 2Q11, with an annualized return on equity of 17.2%. The credit portfolio reached BRL 12,234.8 million by the end of June 2011 and remained of high quality. The quality and performance of the corporate and middle market business segments are also discussed.
The document summarizes the financial results of Banco ABC Brasil S.A. for the 4th quarter of 2012. Some key highlights include:
- Net income for 2012 totaled BRL 226.6 million, with BRL 59.6 million in the 4th quarter.
- The expanded credit portfolio reached BRL 15.3 billion by the end of 2012, with BRL 13.2 billion in the Corporate segment and BRL 2.1 billion in the Middle Market segment.
- Return on average equity was 14.3% for 2012 and 14.4% for the 4th quarter.
The document also provides guidance for 2013, estimating expanded credit portfolio growth of 14-
The document summarizes PINE's 2Q12 earnings conference call. It discusses a planned capital increase of approximately R$155 million that will raise PINE's BIS ratio to 17.5%. PINE had positive contributions across all business lines in 2Q12. The loan portfolio grew 18.6% year-over-year to R$7.5 billion with diversified sectors and regions. Asset and liability management maintains a positive 3 month gap between credit and funding portfolios.
Abc brasil investor_presentation2q13_engBancoABCRI
This document provides an overview of an investment bank including its strategy, business segments, products, funding and capital base, financial highlights, and ownership structure. The bank focuses on lending and services for mid-size to large companies in Brazil. It has two main business segments: Corporate (large companies with annual revenues over BRL 400 million) and Midsized Business (companies with revenues between BRL 30-400 million). The presentation discusses the strategies, products, and financial details of each segment. The bank has a diversified funding base and adequate capital and liquidity levels. Credit quality remains strong with low past due levels and loan loss reserves covering over 1% of loans.
- PINE's 3Q13 earnings call highlighted positive revenue contributions from all business lines, a 6% increase in loan portfolio, and a 13.4% ROAE.
- Expenses were well managed, resulting in a 35.7% efficiency ratio. Loan portfolio quality remained high with non-performing loans at 1.2% and adequate credit coverage of 3.4%.
- The diversified funding base increased 11% with continued maintenance of a positive liquidity gap. Capital adequacy was strong at a BIS ratio of 15.9%.
1) Banco ABC Brasil reported first quarter 2013 net income of BRL 60.1 million, with an expanded credit portfolio reaching BRL 15.82 billion.
2) The bank achieved a return on average equity of 14.1% and is now rated investment grade by the three major global rating agencies.
3) The corporate credit portfolio grew 4.6% over the previous year to BRL 13.79 billion, while the middle market portfolio increased 7.1% to BRL 2.03 billion.
ABC Brasil is a mid-sized Brazilian bank that focuses on providing loans and structured products to mid and large companies. It has a loan portfolio of over BRL 10 billion with a credit quality that has improved since the 2008 financial crisis. The bank is majority owned by its parent Arab Banking Corporation and has expanded its branch network in Brazil in recent years. For the second quarter of 2011, ABC Brasil reported a 4.2% increase in managerial financial margin compared to the previous quarter and higher income from fees, while maintaining a stable loan portfolio and improving capital adequacy ratios.
Banco Industrial do Brasil is a privately owned Brazilian bank established in 1994. It has over 250 employees across 7 branches in Brazil. The bank specializes in financing medium-sized enterprises and maintaining a conservative credit policy. It offers various credit products including overdraft facilities, working capital loans, and BNDES onlending. The bank has grown its credit portfolio to over R$2 billion while maintaining a high liquidity level and low leverage. Its international trade finance portfolio has also increased significantly in recent years.
This document provides an overview and highlights of the Brazilian National Development Bank (BNDES). It discusses BNDES' role in providing long-term financing for investment projects in Brazil, with a focus on infrastructure, industry and exports. The document outlines BNDES' assets, funding sources, lines of credit for exports, and financing activities in key industries like aircraft and oil & gas. It also reviews BNDES' institutional arrangements and challenges in further supporting the domestic and foreign markets.
Banco Industrial do Brasil is a privately owned Brazilian bank established in 1994. It has 269 employees across 10 branches in Brazil and the Bahamas. The bank specializes in financing SMEs and maintains a conservative credit policy and liquidity levels. Notable events in the bank's history include capital injections, new branches, and loan agreements with multilateral institutions such as IDB and IFC. The bank focuses on lending to SMEs and individuals through payroll-deductible loans. It maintains a diversified funding structure and monitors credit quality closely. International highlights include participation in IDB and IFC trade finance programs.
Davivienda s corporate presentation 3 q20Irdavdavir
The corporate presentation provides an overview of Banco Davivienda as of September 2020. Some key highlights include:
- Assets of $36.3 billion with year-over-year growth of 16.0%. Gross loans of $28.9 billion with growth of 15.0%.
- Operations across 6 countries serving over 16.8 million customers.
- Focus on strategic segments like mortgage, consumer, and commercial loans. Maintains diversified funding sources.
- Continues digital transformation through platforms like Daviplata, serving over 1.1 million digital-only customers.
- Sound financial metrics with NPL ratio of 2.80%, coverage ratio of 224.7%, and Tier 1 capital
This document summarizes the key financial information and highlights from Banco Pine's 1Q11 earnings conference call. The corporate credit portfolio grew 29.8% year-over-year. Total funding increased 17.5% and the BIS capital adequacy ratio remained at a comfortable level of 17.1%. The guidance for 2011 was maintained with targets for corporate credit portfolio growth of 20-25% and corporate ROAE of 17-20%.
The document is Banco PINE's 3Q09 earnings release which highlights the following:
- Loan portfolio and deposits expanded in 3Q09 as the economic scenario gradually improved. Non-performing loans declined 40 bps.
- Operating income increased 9.1% in 3Q09 driven by growth in the corporate loan portfolio and total deposits. Financial margin was impacted by deleveraging and lower interest rates but would be 80 bps higher excluding early payroll loan repayments.
- Loan portfolio quality remains high with 96.8% of loans rated AA-C in September. The coverage ratio of non-performing loans was 100.2%.
- Capital adequacy ratio was a comfortable
This document summarizes the key financial highlights and results of Itaú Unibanco for the 4th quarter of 2014. Some of the highlights include:
- Financial margin with clients totaled R$13.7 billion in Q4 2014, up 3.0% from Q3 2014 and 12.8% from 2013.
- Loan loss provision expenses reached R$4.6 billion in Q4 2014, up 2.7% from Q3 2014 and 10.1% from 2013.
- Recurring net income for Q4 2014 was R$5.7 billion, up 3.7% from Q3 2014 and 20.9% from 2013.
- The loan
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.
5. 5
Founded in 1808
57.7%1 controlled by the Federal Government
Largest Bank in Latin America in total assets
Acess to a broad spectrum of individuals and clients
5
1st company listed on the stock exchange in Brazil
(1) As of Dec/2015.
6. 6
Large, diversified and stable funding base
Business diversification including segments:
Banking Services
Asset management
Means of payment
International Franchise
6
Insurance
Capital Market
7. 7
1. Market
Leadership
2. Solid Financial
Performance
3. Focus on
Services
4. Lower deliquency
of the Brazilian
Banking Industry
5. Stable and
Diversified Funding
200(+) years of solid performance
Investment Highlights
8. 8
Timeline / Governance
BB Shares enter the
ISE portfolio
2005
IPO
2010
Conversion preferred
shares to commom shares
2001
Private offering for bonus subscription
2004
ADR 1 Launching
2009
100% Tag Along clause
2002
BB Shares enter the
ITAG portfolio
2003
Public offering
(secondary shares)
2007
Banco do Brasil joined “Novo
Mercado” (BOVESPA)
2006
BB Shares enter the
IBRX-50 portfolio
1998
BB Shares enter the
IBRX portfolio
1995
Capitalization and
Restructuring Plan
1996
The Board of Directors of BB approved the
migration of its program of American
Depositary Receipt-ADR from level I to level II
2014
BB Seguridade
IPO
2013
BB Shares enter Dow Jones
de Susteinability Index (DJSI)
of NY stock exchange
2012
8
1st company
listed on the stock
exchange in Brazil
1906
9. 9
Ownership Structure
Free Float 39.8% as of Dec/2015 Free Float Breakdown (%)
Treasury Shares
2.5%
National
Treasury
57.7%Foreign
Investors
21.1%
Other 18.6%
15.5
18.5 18.8 20.4 21.1
25.3
21.6 20.7 19.2 18.6
40.8 40.0 39.5 39.7 39.8
Dec/14 Mar/15 Jun/15 Sep/15 Dec/15
Foreign Investors Other
10. 10
Presence in Brazil
NORTH
27.9% NORTHEAST
31.3%
SOUTHEAST
20.3%
SOUTH
24.7%
MIDWEST
26.3%
Structural data (Dec/15)
Points of services1
17,614
Branches
5,429
Clients
62,472mil
Employees
109,191
(1) Own Service Network
Own Service Network
Branches
MaisBB Network¹
Shared Service Network2
17,614
5,429
14,361
35,708
Total 67,683
(1) Banking Agents and Postal Bank branches.
Market Share – 23.7%
(Number of branches)
Brazil Total Service Network Dec/15
(2) Shared Service Network: lotteries (CEF), Banco 24h
e ATM (BRB+CEF).
11. 11
11
Specialized Offices
Automated Service Channels - Transactions BB Digital – Mobile (million transactions)
836
2,155
Our more than 62 million clients count on more than 67 thousand
points of service, present in 99.7% of the Brazilian municipalities and
an increasingly digital Bank.
16 Very Small and Small Companies
offices in Brazil.
Expansion project all over the
country.
2016: Prevision of opening 30 new
Offices.
104 BB Estilo Digital branches.
More than 300 thousand benefited
clients.
More than 200 Branches by the end of
2016
More than 1 million benefited clients in
2016.
Service Network Channels
(1) Owned by BB.
4Q14
4Q15
Dec/15
Internet
27.9%
Mobile
31.9%
ATM¹
20.7%
In Branches
3.9%
Others
15.6% +157.6%
12. 12
Global Presence
12
Banco do Brasil in the world
Presence in 24 Countries with 38
points of service
Branches
Sub-branches
Representative Offices
Subsidiaries and affiliates
Shared Services Units
11
4
7
14
2
16. 16
Carteira PJ por setor
Dec/14 Share % Sep/15 Share % Dec/15 Share %
Oil and Gas 41,113 9.2% 49,270 10.4% 47,716 10.0%
Foodstuffs of Vegetable Origin 36,610 8.2% 37,302 7.9% 37,512 7.9%
Metalworking and Steel 42,130 9.4% 43,723 9.3% 43,986 9.2%
Services 25,828 5.8% 25,226 5.3% 24,869 5.2%
Foodstuffs of Animal Origin 14,928 3.3% 14,519 3.1% 15,173 3.2%
Automotive 25,921 5.8% 28,408 6.0% 28,189 5.9%
Eletricity 36,974 8.3% 40,122 8.5% 40,528 8.5%
Transport 27,778 6.2% 34,225 7.2% 33,633 7.1%
Telecommunication 9,664 2.2% 7,844 1.7% 7,740 1.6%
Retail Trade 19,922 4.5% 19,384 4.1% 19,435 4.1%
Textile and Garments 13,315 3.0% 12,378 2.6% 11,794 2.5%
Pulp and Paper 11,076 2.5% 10,945 2.3% 10,715 2.2%
Electrical and Electronic Goods 11,727 2.6% 10,074 2.1% 9,868 2.1%
Financials Institutions 13,408 3.0% 13,328 2.8% 17,456 3.7%
Government 29,634 6.6% 40,526 8.6% 42,924 9.0%
Agricultural Consumables 11,095 2.5% 11,076 2.3% 11,740 2.5%
Chemicals 9,569 2.1% 9,686 2.1% 9,339 2.0%
Timber and Furniture 7,029 1.6% 6,685 1.4% 6,394 1.3%
Wholesale Trade and Industries 7,958 1.8% 6,930 1.5% 6,838 1.4%
Beverages 1,753 0.4% 1,812 0.4% 1,875 0.4%
Leather and Shoes 3,180 0.7% 3,102 0.7% 3,040 0.6%
Specific Bulding Activities 15,480 3.5% 15,271 3.2% 15,742 3.3%
Housing 20,414 4.6% 21,122 4.5% 22,013 4.6%
Heavy Construction 9,442 2.1% 8,817 1.9% 8,305 1.7%
Other Activities 722 0.2% 414 0.1% 157 0.0%
Total 446,666 100.0% 472,189 100.0% 476,979 100.0%
Company Portfolio by Macro-sector
Included Agro Companies Portfolio
R$ Million
17. 17
6.1% growth in the past 12 months
60.9% of the total Rural Credit is at Banco do Brasil
21.5% of Banco do Brasil Credit Portfolio*
Agribusiness
Portfolio
R$174.9Billion
17
The Agribusiness Bank in Brazil
*It considers Agribusiness Broad Concept Portfolio
18. 18
The Brazilian Foreign Trade Bank
Operating abroad for over 50 years,
Banco do Brasil has supported Brazil's
relations with its trading partners, being
a reference point for entrepreneurs,
investors, economic agents and
foreign governments that maintain or
wish to maintain investments in Brazil.
18
2,483
2,187 2,185
28% 27%
30%
4Q14 3Q15 4Q15
Contracted Amount (US$ million) Market share (%)
ACC/ACE
19. 19
R$ Thousand Jun/14 Sep/14 Dec/14 Mar/15 Jun/15 Sep/15 Dec/15
Commercial Funding¹
615,095 619,799 632,913 641,603 639,193 660,175 669,506
Domestic Onlending
90,991 86,061 89,157 90,686 90,032 90,543 90,065
Financial and Development
Funds 8,405 9,569 10,840 12,265 12,404 14,677 15,003
Subordinated Debt
48,406 47,646 49,413 49,664 50,764 54,256 54,018
Capital Eligible Debt³
16,270 27,908 29,351 32,876 32,441 37,926 35,393
Commercial Paper ⁴
2,406 2,475 2,549 2,622 2,705 47 2,106
HCDI domestic
8,318 90 - - - - -
Foreign Borrow ing²
58,418 52,427 53,942 62,578 63,536 83,199 71,005
Compulsory Deposits
(86,567) (78,714) (63,224) (56,613) (57,168) (60,362) (60,811)
Total
761,743 767,260 804,941 835,681 833,906 880,461 876,285
Sources
Jun/14 Sep/14 Dec/14 Mar/15 Jun/15 Sep/15 Dec/15
Foreign Securities 28,937 28,886 28,560 31,175 34,803 44,103 33,511
Foreign Borrowing 17,258 18,735 20,516 25,133 23,074 31,236 29,617
Foreign Onlending 0 0 0 0 0 9 10
HCDI abroad 3,906 4,717 4,866 6,269 5,660 7,851 7,867
Subordinated debt abroad 7,191 7,149 7,851 9,363 9,186 11,600 11,553
Total² 57,292 59,487 61,793 71,941 72,722 94,800 82,557
Jun/14 Sep/14 Dec/14 Mar/15 Jun/15 Sep/15 Dec/15
Demand Deposits 69,313 69,398 74,224 73,705 64,755 66,063 66,550
Savings Deposits 146,461 148,996 148,699 144,089 147,306 149,764 151,845
Interbank Deposits 27,830 27,638 30,354 36,736 33,337 41,465 41,483
Time Deposits 126,530 110,622 99,889 93,304 82,126 89,068 90,890
Judicial Deposits 107,244 110,095 115,010 118,591 116,805 116,107 113,652
Agribusiness Letters of Credit 98,399 104,094 102,325 118,263 132,372 134,555 134,823
Mortgage Bonds 8,204 7,772 14,156 19,067 18,526 18,474 18,121
Repurchase Agreement w ith Private
Securities¹ 31,113 41,184 48,256 37,848 43,965 44,678 52,142
Total 615,095 619,799 632,913 641,603 639,193 660,175 669,506
Commercial Funding
Foreign²
(1) Includes part of the balances of Private Securities (Note 17c).
(2) Includes Foreign Borrowings, Foreign Securities, foreign Onlending, Subordinated debt abroad, Hybrid Capital Instruments Abroad and judicial deposits.
(3) From 3Q14 on, includes Capital Eligible Debt reallocated to Core Capital, as authorized by the Central Bank by Official Letter 15006/2014-BCB/DEORF/DIFIN.
(4) Includes Letters of Credit and Debentures.
20. 20
Emissões no Exterior
International Bonds Issued
Issue Date
Volume (US$
million)
Currency Term in Years Coupon (%) Structure
Rating ¹
(S&P / Moody´s/Fitch)
7/18/2007 187 BRL 10 9.750 Senior SR / Ba2 / SR
04/29/2008 150 USD 10 5.250 Securitization BBB+ / Baa2 / SR
10/20/2009 1,500 USD Perpetual 8.500 Perpetual SR / B2 / SR
01/22/2010 500 USD 10 6.000 Senior BB / Ba2 / BB+
10/05/2010 660 USD 10 5.375 Tier II Subordinated SR / Ba3 / SR
05/26/2011 1,500 USD 10 5.875 Tier II Subordinated SR / Ba3 / SR
11/23/2011 500 USD 5 3.875 Senior SR / Ba2 / SR
01/20/2012 1,000 USD Perpetual 9.250 Perpetual B- / SR / SR
03/05/2012 750 USD Perpetual 9.250 Perpetual B- / SR / SR
06/19/2012 750 USD 10 5.875 Tier II Subordinated B / Ba3 / SR
10/10/2012 1,925 USD 10 3.875 Senior BB / Ba2 / BB+
01/31/2013 2,000 USD Perpetual 6.250 Perpetual B- / SR / SR
07/25/2013 930 EUR 5 3.750 Senior BB / Ba2 /BB+
12/20/2013 307 CHF 6 2.500 Senior BB / Ba2 / BB+
03/26/2014 417 EUR 5 3.750 Senior BB / Ba2 /BB+
06/18/2014 2,500 USD Perpetual 9.000 Perpetual B- / B2 / SR
Foreign Borrowing
(1) Ratings were revised in 02/29/2016.
23. 23
Leadership
Assets
(R$ billion – Dec/15)
Loan Portfolio
(R$ billion – Dec/15)
Assets Under Managmt.¹
(R$ billion – Dec/15)
Deposits
(R$ billion– Dec/15)
1,584.0
1,322.7
1,018.9
BB Bank A Bank B
(1) Source: Central Bank of Brazil -
Market Share as of Sep/2015.
20.1%
Market Share¹
814.8
590.7
474.0
BB Bank A Bank B
(1) Source: Central Bank of Brazil
- Market Share as of Dec/2015 for
domestic loan portfolio.
20.4%
Market Share¹
603.2
500.6
385.3
BB Bank A Bank B
(1) It does not include Banco
Votorantim
(2) Source: Anbima - Market Share as
of Dec/2015
21.5%
Market Share¹
465.3
292.6
195.8
BB Bank A Bank B
(1) Source: Central Bank of Brazil -
Market Share as of Sep/2015
23.1%
Market Share¹1st
1st 1st1st
25. 25
18.0%
13.9%
12.2% 12.2%
11.0%
BB Bank 1 Bank 2 Bank 3 Bank 4
24.7%
15.3%
11.0%
8.6%
5.9%
BB Bank 1 Bank 2 Bank 3 Bank 4
Foreign Exchange Export Contracts Foreign Exchange Import Contracts
Leadership in Foreign Trade
1st
1st
Source: Central Bank of Brazil – Dec/15
26. 26
Means of Payment
Chart:
Banco do Brasil BB Banco de Investimentos
BB Adm Cartões
BB ELO Cartões
100%
100%
100%
|
Participações
Serviços
49.99%
70%
66.64%
100%
40.95%
50,1%
100%
100%
100%
70%
100%
100%
30%
28.65%
30%
28. 28
Decisions at any level of the Company are made
collectively. With the purpose of involving all the
executives in the definition of strategies and
approval of proposals for the different businesses
of Banco do Brasil.
The Only Brazilian Bank listed
since 2006, in this BM&F
Bovespa segment, destined to
companies that voluntarily
adopt the best practices for
corporate governance.
Corporate Governance
3 Higher Comittees
14 Executive Comittees
3 Other Comittees
Global Risk Committee
Asset and Liabilities Management
and Liquidity Committee
Investor Relations
Executive Committee
Credit Risk Executive
Committee
Credit Limit Executive Committee
Ethics Executive
Committee
Capital Management
Executive Committee
Products and Services Executive
Committee
Market and Liquidity Risk
Executive Committee
Related Companies Governance
Executive Committee
Internal Controls and Operational
Risk Executive Commitee
Prevention of Financial,Foreign
Exchange Illicit and Information
Security Executive Committee
Administrative and Operational
Executive Committee
Credit Transactions
Executive Committee
Information Technology
Executive Committee
Human Resources
Executive Committee
Disciplinary Review Executive
Committee
Credit Transactions Committee Human Resources Committee
Information Technology
Committee
Objective
Mitigate risks, share visions, aggregate
value and quality to the decision process
and disseminate knowledge.
Asset & Liability Management and
Liquidity Executive Committee
31. 31
80.1 81.3 80.7
87.6 88.2 89.291.8 92.1 92.5
5 Largest 10 Largest 20 Largest
77.8
78.2 76.2
87.8 88.0 87.3
92.9 93.1 92.8
5 Largest 10 Largest 20 Largest
Concentration - %
Assets Loans
Source: Central Bank of Brazil *Sep/15
2013 2014 2015* 2013 2014 2015*
32. 32
Concentration - %
Deposits Assets under Management Card Revenue** (Sep/15)
82.2 82.5 79.4
88.2 88.2 90.893.4 93.6 95.7
5 Largest 10 Largest 20 Largest
2013 2014 20152013 2014 2015*
68.2
85.4
3 largest 5 largest
65.4 67.1 69.3
88.8 88.7 88.8
5 Largest 10 Largest
Source: Central Bank of Brazil *Sep/15 ** Source: Abecs
34. 34
Net Interest Income
Grew by 13.3%
Pre-Tax and Pre-Provision Earnings
Increased by 17.2%
Fee Income
Increased by 9.2%
Administrative Expenses
Under control (6.9% growth)
Cost to income ratio
Improved to 40.8%
Highlights 2015 / 2014
35. 35
Net Income
Quarter
Annual
*BB Conglomerate.
(924)
(740)
2,648 2,5122,881
816
343 271
(136)
3Q15 Adj. Net
Income
NII ALL Fee Income Administrative
Expenses
Other 4Q15 Adj. Net
Income
One-Off Items 4Q15 Net Income
-8.1%
(6,735)
(2,218)
11,594
14,400
11,343
6,704
2,279
222
2,805
2014 Adj. Net
Income
NII ALL Fee Income Administrative
Expenses
Other 2015 Adj. Net
Income
One-Off Items 2015 Net Income
+2.2%
R$ Million
40. 40
10.3 11.7 11.9
28.5 35.2 37.2
38.8
46.9 49.1
0.61
1.17 1.16
Dec/14 Sep/15 Dec/15
Mortgages with
Individuals
Mortgages with
Companies
Mortgage with
Individuals NPL +90
days (%)
Salary Loans Auto Loans²
Mortgages Payroll²
Growth in lower risk lines¹
88.8 88.9 89.0
7.3 7.5 7.5
3.9 3.6 3.5
58.8 61.8 62.5
1.50
1.31 1.26
Dec/14 Sep/15 Dec/15
INSS Retirees and
Pensioners
Private Sector
Employees
Civil Servants
Payroll NPL +90 days
(%)¹
16.8 19.4 18.6
3.18
2.28 2.49
Dec/14 Sep/15 Dec/15
Total
Salary Loans NPL +90
days (%)
23.6 23.1 22.3
0.87 0.82 0.90
Dec/14 Sep/15 Dec/15
Auto Loans
Auto Loans NPL +90 days
(%)
(1) Classified Loan Portfolio
(2) Organic Loan Portfolio
+10.5%
+6.2%
-5.6%
R$ Billion
+26.6%
41. 41
Relationship
Individuals Portfolio¹ Individuals Portfolio Profile²
66.2% 66.8% 67.3%
21.0% 21.0% 20.4%
7.8% 7.9% 8.1%
5.0% 4.3% 4.2%
Dec/14 Sep/15 Dec/15
Time of Relationship
More than 10 years From 5 to 10 years From 2 to 5 years Up to 2 years
78.6% 79.4% 79.6%
14.2% 13.4% 13.2%
7.1% 7.3% 7.2%
Dec/14 Sep/15 Dec/15
Direct Consumer Credit + Auto Loans
Civil Servants
Private Sector Employees
INSS Retirees and Pensioners
(1) BB Classified Loan Portfolio.
(2) BB Organic Loan Portfolio.
42. 42
(1) It includes private securities and guarantees provided. (2) It includes Working Capital, Receivables, Credit Card and Overdraft Account. (3) It Includes FEC/ACE and BNDES Exim. (4) Companies with annual revenues up to R$ 25 million.
Corporate Portfolio by Size
+5.0%
+5.0%
10.7%
s/ Dec/14
-8.4%
s/ Dec/14
Loans to Companies – Broad Concept¹
183.0 180.5 183.5
106.6 104.7 109.0
21.7 26.1 23.4
16.5 18.1 19.6
19.4 25.8 29.1
347.1 355.2 364.6
Dec/14 Sep/15 Dec/15
Working Capital² Investments + Private Securities Guarantees Trade Finance³ Other
R$ Billion
102.2 95.2 93.6
244.9 260.0 271.0
347.1 355.2 364.6
Dec/14 Sep/15 Dec/15
Very Small and Small Companies⁴ Middle Market, Corporates and Government
43. 43
Relationship Amount Distribution by Time of
Company Foundation – Very Small
and Small Companies Portfolio
(1) BB Classified Loan Portfolio - Companies with annual revenues up to R$ 25 million.
Total
Amount
R$93.6bn
39.0% 41.6% 42.5%
32.7%
33.3% 33.3%
21.8%
21.1% 20.7%
6.4% 4.1% 3.5%
Dec/14 Sep/15 Dec/15
Time of Relationship
More than 10 years From 5 to 10 years From 2 to 5 years Up to 2 years
1.0
12.8
29.1
33.8
23.3
Up to 2
years
From 2 to
5 years
From 5 to
10 years
From 10
to 20
years
More than
20 years
Very Small and Small Companies Portfolio¹
44. 44
Agribusiness
Agribusiness Loan Portfolio
by Costumer Type¹
(1) It includes Rural Product Bills and guarantees provided. (2) Source: Central Bank of Brazil – Dec/2015.
Harvest 15/16 (Dec/15)
Use of Mitigators (Working Capital for Input Purchase)
47.2 44.7 47.6 51.2 51.6
117.7 118.7 120.7 120.6 123.3
164.9 163.4 168.3 171.8 174.9
60.8 60.0 61.0 60.5 60.9
Dec/14 Mar/15 Jun/15 Sep/15 Dec/15
Companies Individuals Market Share - %
Insured
67%
Not Insured
33%
Total disbursement in15/16 harvest
R$ 43.6 billion1st 60.9 % Market Share²
45. 45
Renegotiated Overdue Loan Portfolio¹
Consolidated
4Q14 3Q15 4Q15
Credits Renegotiated by Delay - Changes
Initial Balance 7,876 12,701 15,520
Contracts 1,929 3,783 6,015
Amortization and capitalized interest (260) (461) (1,037)
Write Off (515) (503) (845)
Final Balance 9,030 15,520 19,653
Allowance for Loan Losses Balance 5,742 7,464 8,585
NPL + 90 days 1,424 2,469 3,171
Indicators - %
ALL for Loan Losses / Loan Portfolio 63.6 48.1 43.7
NPL + 90 days / Loan Portfolio 15.8 15.9 16.1
ALL for Loan Losses Balance/NPL + 90 days 403.1 302.2 270.7
Credits Renegotiated/Classified Loan Portfolio 1.3 2.2 2.7
(1) Table according Notes 10.k Renegotiated Loan Portfolio.
R$ Million
46. 46
(1) It corresponds to two large Brazilian private banks.
BB x Peers¹
Renegotiated Loan Portfolio – 4Q15
19,653
13,832
2.7
3.3
BB Peers Average¹
Renegotiated Loan Portfolio
Renegotiated Loan
Portfolio/Classified Loan Portfolio
(%)
6,374 6,511 6,431 6,735
7,404
5,742 6,111
6,616
7,464
8,585
25.9 25.0 23.9
21.9
20.3
15.8 15.6
13.6
15.9 16.1
Dec/14 Mar/15 Jun/15 Sep/15 Dec/15
Peers Average - ALL Balance
BB - ALL Balance
Peers Average - Renegotiated Portfolio NPL +90
days (%)
BB - Renegotiated Portfolio NPL +90 days (%)
R$ Million
Renegotiated Loan Portfolio
52. 52
Allowance for Loan Losses (12 months) / Loan Portfolio Allowance for Loan Losses (Quarterly) / Loan Portfolio
Classified Loan Portfolio – Growth by Risk Level
7.3%
in 12 months
(1) Average classified loan portfolio 12 months; (2) ALL accumulated in 12 months / 12 months Average Loan Portfolio; (3) 3 months Average Loan Portfolio; (4) Quarterly ALL / 3 months Average Loan Portfolio.
Allowance for Loan Losses (ALL) and Loan Portfolio
629,932 644,255 659,843 675,671 690,144
17,172 19,020 20,036 21,500 23,600
2.7 3.0 3.0 3.2
3.4
4Q14 1Q15 2Q15 3Q15 4Q15
Loan Portfolio¹ Allowance for Loan Losses ALL / Loan Portfolio (%)²
654,043 672,290 683,547 695,770 711,477
4,890 5,654 5,191 5,765 6,991
0.7 0.8 0.8 0.8 1.0
4Q14 1Q15 2Q15 3Q15 4Q15
Loan Portfolio³ Allowance for Loan Losses ALL / Loan Portfolio (%)⁴
669,020 33,090 7,746 2,431 1,248 1,143 3,170
717,849
Dec/14 AA-C D E F G H Dec/15
R$ Billion
53. 53
Write-off – Percentage on the Classified Loan Portfolio¹
(1) Write-offs to losses accumulated in 12 months / average balance of the classified credit portfolio in 12 months. (2) It corresponds to the three largest Brazilian private banks.
2.38 2.38 2.38 2.37 2.49
4.44
4.21
4.05 4.03
4.23
Dec/14 Mar/15 Jun/15 Sep/15 Dec/15
Banco do Brasil Peers Average²
54. 54
ALL Balance – Current and Past Due Operations
1.5 1.5 1.5
3.9 3.4
11.9
13.0 13.6 13.6
15.4
13.9 14.4 14.4
16.5 16.8
27.3
28.9 29.5
34.0
35.7
4Q14 1Q15 2Q15 3Q15 4Q15
Additional (Complementary) Current (Generic) Past Due (Specific) Total
R$ Billion
* BB Conglomerate
55. 55
Net Interest Income
R$ million
4Q14 3Q15 4Q15
Chg. %
On 4Q14
Chg. %
On 3Q15 2014 2015 Chg. %
On 2014
Net Interest Income 13,483 14,364 15,180 12.6 5.7 50,346 57,050 13.3
Loan Operations Income 22,291 25,599 26,393 18.4 3.1 84,494 98,519 16.6
Funding Costs (9,184) (11,700) (11,381) 23.9 (2.7) (34,524) (42,841) 24.1
Institutional Funding Costs¹ (3,296) (4,130) (4,159) 26.2 0.7 (12,984) (15,579) 20.0
Recovery of Write-offs Loans 1,065 804 1,346 26.4 67.4 3,648 4,059 11.3
Treasury Income² 2,607 3,792 2,981 14.3 (21.4) 9,712 12,892 32.7
Global Spread (%)³ Spread by Portfolio (%) ³
(1) It Includes senior debt, subordinated debt and hybrid capital instrument and abroad (HCDI). (2) It included interest income, profitable compulsory deposits income, tax hedge, derivatives and other financial instruments that compensate the
exchange rate variation in result. (3) Annualized data. (4) Series revised from 1Q15 due to methodology adjustments. (5) It does not include loans with government sector.
4.4 4.4 4.3 4.5 4.7
2.7
2.4 2.5 2.5 2.3
4Q14 1Q15 2Q15 3Q15 4Q15
NIM Risk Adjusted NIM
13.8 13.5
14.0
14.9 15.5
7.0 6.9 7.0 7.1 7.4
5.7 5.5 5.6 5.7 5.8
5.1 4.9 4.8 4.5 4.8
4Q14 1Q15 2Q15 3Q15 4Q15
Individuals Loan Operations⁴ Companies⁵ Agribusiness
60. 60
Administrative Expenses and Cost to Income Ratio
(1) Administrative Expenses / Operating Revenues. Data from the Income Statement with Reallocations. 2014 and 2015 cost to income ratio is accumulated in 12 months.
4.9 5.0 5.3
18.4
20.3
3.8 3.5 4.0
13.8 14.2
43.5
39.9 40.4
43.6
40.8
4Q14 3Q15 4Q15 2014 2015
Personnel Expenses Other Expenses Cost to Income Ratio (%)¹
R$ Million
61. 61
9.04 8.68 8.71 8.07 8.17
2.35 2.68 2.65 3.54 3.22
16.11 16.02 16.18 16.20 16.13
Dec/14 Mar/15 Jun/15 Sep/15 Dec/15
Core Capital AT I Tier II
BIS Ratio %
4.72 4.66 4.82 4.59 4.74
Tier I 11.39%
62. 62
BIS Ratio
Tier 1
Full application of Basel III rules
16.1
15.1 14.7
0.9 15.6
(1.1)
(0.4)
BIS Ratio Deductions Schedule
Anticipation
BIS Ratio with full
deductions
RWA Rules Anticipation BIS Ratio with Fully
Loaded Basel III Rules
Use of Tax Credits Simulated BIS Ratio
under complete Basel
III Rules
10.2 10.0
10.911.4
(1.2) (0.2)
0.9
Tier 1 Deductions Schedule
Anticipation
Tier 1 with full
deductions
RWA Rules Anticipation Tier 1 with Fully Loaded
Basel III Rules
Use of Tax Credits Simulated Tier 1 under
complete Basel III Rules
63. 63
BIS III – Capital Requirements %
63
2015 2016 2017 2018 2019
Common Equity Tier I (CET1)
4.500 4.500 4.500 4.500 4.500
Tier 1
6.000 6.000 6.000 6.000 6.000
Brazilian BIS Ratio
11.000 9.875 9.250 8.625 8.000
Capital Conservation Buffer
0.000 0.625 1.250 1.875 2.500
Additional CET1 Countercyclical Buffer
(superior limit) 0.000 0.625¹ 1.250 1.875 2.500
Additional CET1 Systemic (D-SIB) Buffer
0.000 0.000 0.250 0.500 1.000
CET1 + Buffers
4.500 5.750 7.250 8.750 10.500
Tier 1 + Buffers
6.000 7.250 9.000 10.250 12.000
Brazilian BIS Ratio + Buffers
11.000 11.130 12.000 12.880 14.000
Implementation Schedule
(1) The Additional CET1 Countercyclical Buffer was not activated by the Central Bank in 2016, according to CMN Resolution 4,443/2015.
64. 64
(1) Adjusted ROE estimated for 2015 uses estimated adjusted shareholders’ equity, free from the effects of: (i) the restatement of actuarial assets and liabilities arising from the Deliberation CVM/695; and (ii) minority interests in controlled companies.
(2) Commercial Funding includes Total Deposits, Agribusiness Letters 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.
2015 Guidance 2015 Performance
Adjusted Return on Equity¹ 13 - 16 13.0
Net Interest Income 11 - 15 13.3
Commercial Funding² 5 - 9 5.9
Domestic Loan Portfolio³ - Broad Concept 7 - 11 5.9
Individuals 6 - 10 7.5
Companies 5 - 9 5.0
Agribusiness 10 - 14 6.1
Allowance for Loan Losses⁴ 3.1 – 3.5 3.6
Fee Income 7 - 10 9.2
Administrative Expenses 5 - 8 6.9
Guidance
65. 65
(1) Adjusted ROE estimated for 2015 uses estimated adjusted shareholders’ equity, free from the effects of: (i) the restatement of actuarial assets and liabilities arising from the Deliberation CVM/695; and (ii) minority interests in controlled companies.
(2) It includes private securities and guarantees provided.
(3) Allowance for Loan Losses expenses of the last twelve months / Average Classified loan portfolio for the same period.
2016 Guidance
Adjusted Return on Equity¹ 11 - 14
Net Interest Income 7 - 11
Domestic Loan Portfolio² - Broad Concept 3 - 6
Individuals 5 – 8
Companies 1 – 4
Agribusiness 6 - 9
Allowance for Loan Losses³ 3.7 – 4.1
Fee Income 7 - 11
Administrative Expenses 5 - 8
Guidance
67. 67
Inflation and Selic
6.50
5.84 5.91
6.41
10.67
6.41
9.49
10.67
7.62
6.00
11.00
7.25
10.00
11.75
14.25
11.75
14.25 14.25 14.25
12.63
4.50
1.41
4.09
5.34
3.58
5.34
4.76
3.58
6.63
6.63
2011 2012 2013 2014 2015 4Q14 3Q15 4Q15 2016 2017
IPCA – IBGE (%YTD in 12 months) Selic (% - end of the period) Real Interest Rate
Source: Central Bank of Brazil and IBGE. Projection for 2016 and 2017, according to Boletim Focus as of 02/19/2016. (1) Taxa Real = Selic - IPCA
68. 68
GDP
46.5
50.3 52.6
53.1 54.0
54.2
51.3
53.8 51.7
57.2 57.2
64.7
3.9
1.9
3.0
0.1 0.1
-2.5
2.9
2.2
1.7
-0.6 -0.6
-0.4
2011 2012 2013 2014 4Q14 4Q15*
Credit/GDP (% YTD in 12 months) PSND (% GDP)
GDP (% YTD in 12 months) Primary Surplus (%GDP in 12 months)
Source: Central Bank of Brazil . *PIB, Primary Surplus and PSND refers to 3Q15.
69. 69
Loans/GDP
Loans/GDP (%) and Evolution of Loan Portfolio of Banking Industry
Source: Central Bank of Brazil
46.5
50.3 52.6 53.1 54.2
2.03 2.37 2.71 3.02 3.22
2011 2012 2013 2014 2015
Loans/GDP (% YTD in 12 months) Loan Portfolio Banking Industry (R$ trillon)
70. 70
Unemployment
109.7 109.7
104.2
100.0 98.7 97.9 96.3 97.6 96.3
46.5 44.8 44.4
37.5 38.6 37.2 35.7 36.4 36.0
Sep-14 Dec-14 Mar-15 Jun-15 Sep-15 Dec-15
Consumer Expectations (INEC) Business Confidence (ICEI)
0.4
-2.3
2.1
-3.1 -3.1
-6.4
6.0 5.5 5.4 4.8
2.2
-2.1
2011 2012 2013 2014 4Q14 3Q15
Industrial Production (YTD % in 12 months)
Unemployment Rate (YTD % in 12 months)
Source: IBGE and National Confederation of Industry
72. 72
International Reserves
Gross Foreign Debt (R$ billion) International Reserves (US$ billion)
516.0
570.8
621.3
712.5
668.1
352.0
378.6 375.8 374.1
368.7
2011 2012 2013 2014 2015*
Source: Central Bank of Brazil. (*) Refers to 3Q15.
73. 73
Source: World Bank and FAO
Brazil has the Ideal Conditions for Sustainable Growth
Only a few countries have the same potential of Brazil
Sustainable Growth
Urban Population
> 80 million people* (2011)
GDP
> US$ 1 trillion*
UK
France
Korea
Italy
Canada Germany
Spain
Mexico
Japan
Indonesia
Kasakhstan
Argentina
Brazil
India
USAChina Russia
Planting Area
> 140 million ha*
Australia
74. 74
Main Pilars of Brazilian Growth
Agriculture Foreign TradeInfrastructure
74
75. 75
Overview
Area
8.5 million Km²
Population (2015)
204 million
GDP (2015)
-3.8%
Agribusiness GDP (2015)
1.8%
Brazil’s Unique Advantages
Greater availability of arable land
in the world at low costs
Easy Access to Clean Water Supplies
Competitive Prices for Land
Excellent Climate
Rich soil
Source: Agriculture Ministry and IBGE
Brazilian Agribusiness: Overview
76. 76
Brazilian Agribusiness: Area X Production
Planted Area (thousands Ha) Vs Production (thousands Tons)
47,674 47,416 49,873 50,885 53,563
57,060 57,931 58,529
135,135
149,255
162,803 166,172
188,658 193,622
207,667 210,290
2008/09 2009/10 2010/11 2011/12 2012/13 2013/14 2014/15 2015/16
Planted Area Production
CAGR
55.6%
CAGR
22.8%
Source: CONAB
80. 80
Brazilian Exports (by country of destination¹)
Brazilian Foreign Trade Balance: Exports
18.6%
12.6%
6.7%
5.3%
2.7% 2.5% 2.1% 1.9% 1.9% 1.7% 1.6% 1.6%
China EUA Argentina Netherlands Germany Japan Chile India Mexico Italy South Korea Belgium
Source: Ministry of Development, Industry and Foreign Trade. (1) From January to December/2015.
81. 81
Summary Table
Annual Collected Data Quarterly Data
2011 2012 2013 2014 2015 4Q14 3Q15 4Q15
Economic Activity
GDP (% YTD in 12 months) 3.91 1.92 3.02 0.10 0.10 -2.54
Family Consumption 4.74 3.50 3.48 1.32 1.32 -1.80
Government Consumption 2.25 2.28 1.51 1.17 1.17 -0.42
Gross Fixed Capital Formation 6.70 0.75 5.83 -4.48 -4.48 -11.17
Exports 4.79 0.27 2.39 -1.05 -1.05 0.12
Imports 9.42 0.73 7.24 -1.05 -1.05 -10.36
Use of Installed Capacity (%) 82.77 82.77 82.33 81.07 81.07 78.47
Agent Population (% YTD in 12 months) 1.22 1.66 -0.76 -0.13 3.56 -0.91 -1.35
Unemployment Rate (% YTD in 12 months) 5.97 5.51 5.39 -3.09 -2.08 2.22 -2.08 -2.08
Formal employment – net creation in 12 m (thousand jobs) 1,566.0 868.2 730.6 152.7 -1,625.5 152.7 -1,306.9 -1,625.5
Industrial Production (% YTD in 12 months) 0.41 -2.30 2.07 -3.06 -6.39 -3.09 -6.39 -6.39
External Sector
Current Transactions (% GDP in 12 months) -2.95 -3.07 -3.13 -4.31 -4.31 -4.08
Direct Foreign Investment (US$ billion - year accumulated) 101.16 86.61 69.18 96.89 96.89 48.21
International Reserves (US$ billion – end of period) 352.01 378.61 375.79 374.05 368.74 374.05 370.60 368.74
Sovereign Risk (basis points – EOP) 223.00 142.00 224.00 259.00 432.00 259.00 442.00 432.00
Trade Balance (US$ billion – year accumulated) 29.79 19.39 2.29 -4.04 19.67 -4.04 10.24 19.67
Exports (US$ billion – year accumulated) 256.04 242.58 242.03 225.10 191.14 225.10 144.50 191.14
Imports (US$ billion – year accumulated) 226.25 223.18 239.75 229.14 171.46 229.14 134.26 171.46
Trade Balance (US$ billion – quarterly accumulated) -3.31 8.02 9.43
Exports (US$ billion – quarterly accumulated) 51.47 50.17 46.64
Imports (US$ billion – quarterly accumulated) 54.77 42.15 37.21
Ptax Dollar Sale (EOP) 1.88 2.04 2.34 2.66 3.90 2.66 3.97 3.90
Ptax Dollar Sale (% YTD in 12 months) 12.58 8.94 14.64 13.39 47.01 13.39 62.09 47.01
All indicators were obtained from official sources such as Central Bank of Brazil, FGV( Getúlio Vargas Foundation), IBGE, etc.
83. 83
The largest bank in Latin America
Av. Paulista 2163, 2nd Floor – Cerqueira César
São Paulo/SP - Brazil - 01311-933
+55 (11) 3066-9110www.bb.com.br/ir ri@bb.com.br