presentation bind nov 17 - bind.com.ar / rrii / atenciÓn al cliente maría laura visuara...

C O M P A N Y P R E S E N T A T I O N

N o v e m b e r 2 0 1 7

L A R G E C O M PA N I E S D O N ' T B E A T S M A L L C O M PA N I E S .

S M A L L C O M PA N I E S D O N ' T B E A TL A R G E C O M PA N I E S .

F A S T C O M PA N I E S B E A T T H E S L O W .

L e a r n

L e a r nT H E O N LY S U S T A I N A B L E C O M P E T I T I V E A D V A N T A G E O V E R T I M EI S T H E S P E E DA T W H I C H C O M PA N I E S L E A R N

BIND GROUP

BIND GROUP

NET INCOME

Industrial Valores

Industrial Asset Management

Industrial Broker de Seguros

Credicuotas

Bind Banco Industrial

2015

4,5

0,2

2,3

0,5

18,5

26,0

2016

8,2

0,8

3,5

1,3

15,8

29,6

PEA 2017

2,9

0,9

2,7

1,7

33,6

41,7

EQUITY

Industrial Valores

Industrial Asset Management

Industrial Broker de Seguros

Credicuotas

Bind Banco Industrial

2015

5,2

0,4

2,6

2,2

84,7

95,2

2016

8,4

0,9

3,7

3,1

85,3

101,5

PEA 2017

10,4

1,7

6,0

4,5

109,8

132,4Total Total

Millions USD Millions USD

Total Assets: 1.8 Billion USD

BIND GROUP

Total

HEADCOUNT

Industrial Valores

Industrial Asset Management

Industrial Broker de Seguros

Credicuotas

Bind Banco Industrial

SEP 17

10

5

22

42

678

757

1,32% 2,90%

0,06%

89,56%

Industrial Valores

Industrial Asset Management

Industrial Broker de Seguros

Credicuotas

Bind Banco Industrial

5,54%

Bind Banco Industrial focuses his businessthrought three main business units

Market leader in pension payment services.

Serving over 390.000 pensioners, with a monthly flow over USD 179 mm.

Personal Loans up to USD 133 mm (approximately 152.500 transactions).

Retail short-term deposits amounts USD 215 mm.

Consumer Banking

Focused on helping achieving working capital needs.

Leading position in Factoring - with a market share of 3,5%.

Has 2.300 direct customers and over 50.000 indirect SMEs customers.

Loans & funding to SMEs amounts USD 328 mm and USD 164 mm, respectively.

Business Banking

Focused on trading of bonds and foreign currency.

Ranked in the top 20 in foreign currency and government bonds trades.

“Investment grade” Risk Rating allows us to attract institutional investors deposits, for about USD 279 mm.

Corporate Banking

Top 20 bank in Trade Service, between 60financial intitutions (*)

Export # 17

Import # 14

QUANTITIES Rankings

Goods & Services # 19

Export # 19

Import # 15

VOLUME AMOUNT = USD 2bn, aprx.

VOLUME Rankings

Bind Nominations = 6500

Export 3000

Import 3500

CUSTOMS CLEARENCE

(*) BCRA MULC´s statistics (2016)

Export 2100

Import 6300

TICKETS Quantity = 8400

Ranked in the top 20 in foreign currency and government bonds trades.

BRANCH NETWORK

Buenos Aires64%

Santa Fé3%Salta

3%Mendoza3%

Córdoba10%

Tucumán7%

Capital Federal10%

Branches

Service Centers

Total

ATM´s

15

19

34

65

Regional presence

By constantly improving our core management system, we have achieved the highest local rating.

Fitch Ratings has raised Banco Industrial Long-Term Rating from “A” to “A+”. Also,it reconfirmed “A1” as Short-Term Rating, while the outlook remains STABLE.

Denotes a very strong credit capacity relative to other issuers or issues in the same country.

Indicates the strongest capacity for timely payment of financial commitments relative to other issuers or issues in the same country.

BANK RANKING

O U R

The Bank has a conservative policy in terms ofliquidity, provision and capital levels

Liquid Assets / Total Deposits

Source BCRA

60,0%

50,0%

40,0%

30,0%

20,0%

10,0%

0,0%

42,9%40,6%

31,3%

26,3%

44,1%

34,1%

20,0%18,3% 17,5%

38,2%40,1%

53,9%

45,6%44,4%

Net Loans (1) / Deposits

Source BCRA(1) Incluiding Leasing and excluiding loans to the non-financial public sector.

120,0%

100,0%

80,0%

60,0%

40,0%

20,0%

0,0%

69,2%79,2%

90,7%98,0%

77,4%

90,5%

101,2%102,6%

96,0%

77,7% 72,8%

63,8% 66,7% 74,6%

sep-17sep-17

The Bank has a conservative policy in terms ofliquidity, provision and capital levels

Equity / Total Assets

Source BCRA

14,0%

12,0%

10,0%

8,0%

6,0%

4,0%

2,0%

0,0%

9,3% 9,0% 8,8%

9,9%

12,3%12,6%

11,9%

10,7%10,9%

10,1%10,8%

9,3%

10,6% 10,2%

Capitalization(RPC – Computable Equity - / Risk – Weighted Assets -)

Source Banco Industrial

20,0%

15,0%

10,0%

5,0%

0,0%

14,3%

19,7%

15,9%16,2%

17,1%18,6%

16,1%15,1%

14,1%14,8%

14,1% 14,1%14,8% 14,8%

sep-17sep-17

Given the nature of our products and funding base,our margins remain at very good levels...

Assets Yield

Source BCRA and Financial Statements (Financial Income / Average Assets)

30,0%

25,0%

20,0%

15,0%

10%

5,0%

0,0%

11,8% 11,5% 11,0%

20,4%19,6% 18,4%

17,5%

20,3%23,5%

22,0%

11,1%

20,4%

24,0%

20,8%

Cost of Liabilities

Source BCRA and Financial Statements (Financial Expenditure / Average Liabilities).

18,0%

16,0%

14,0%

12,0%

10,0%

8,0%

6,0%

4,0%

2,0%

0,0%

2,8%

4,3%5,7%

9,3%

6,6%

8,7%7,9% 9,5%

16,0%

14,6%

13,7%

6,6%

9,3% 9,9%

sep-17sep-17

Given the nature of our products and funding base,our margins remain at very good levels...

Financial Margin

Source BCRA / Financial Statements

14,0%

12,0%

10,0%

8,0%

6,0%

4,0%

2,0%

0,0%

9,2%

7,6%

5,8%

12,1%

5,0%

10,6%

11,9%

12,9%

10,3%9,7%

12,7%12,1%

12,0%

11,9%

Net Interest Spread

Source BCRA and Financial Statements. Note: Calculated as the di�erence between assets yield and the cost of liabilities.

16,0%

14,0%

12,0%

10,0%

8,0%

6,0%

4,0%

2,0%

0,0%

12,1% 12,6%

11,5%

14,5%

8,0%

13,3%

9,7%

10,9%

12,8%

8,9%

11,8%

11,3%10,9%

8,3%

sep-17sep-17

MANAGEMENTAndrés MetaRED PREVISIONALAriel Salituri

BANCA EMPRESAAlejandro Coscia

NEGOCIOS INTERNACIONALES Gerardo Guastavino

FINANZAS Y MERCADO DE CAP.Gastón Eckelhart

Facundo VázquezOPERACIONES BANCARIASCarlos NataleOP. FINANCIERAS Y TESORERÍAFabián TuacchiSISTEMA E INNOVACIÓNAlejandra RodríguezTECNOLOGÍA E INFRAESTRUCTURAInti BenitesPRODUCTOSRosario Flores VidalMARKETING

Leonardo DillenbergerGDHAndrea GallianoRSE / RRII / ATENCIÓN AL CLIENTEMaría Laura Visuara

Infraestruc. Seguridady Aprov. Estrat.Bernardo Landa

Andrés PridaLEGALESPaula González SilvestrinADMINISTRACIÓNMaría Cristina GalanoRIESGOS INTEGRALES Y CRÉDITOSPablo DeutesfeldAUDITORÍA INTERNAEugenia BlancoPREV. LAV. DINERORodolfo Irrazabal

P R E S I D E N T

V I C EP R E S I D E N T

C E O

BOARD

Fondo IAMAbierto PyMes

Fondo IAMRenta Plus

Fondo IAMAhorro Pesos

Fondo IAMRenta Variable

Fondo IAMRenta Crecimiento

Fondo IAMRenta Capital

USD 303 MM AUM.

Local and international execution.

Top 5 at local fixed-Income fund market.

OUR 8 MUTUAL FUNDS

Fondo IAMRenta Dólar

* Assets under Management

Fondo IAM Estrategia

Dec, 2015

USD 60+46,3% over Sept 2015

Dec, 2016

USD 166+176% over Dec 2015

Sep, 2017

USD 303+82,5% over Dec 2016

Sept, 2015*

USD 41

* Inception of funds,except IAM Rta Variable

GROWTH*Assets under Management (USD)

Ranked in the top 20 in foreign currency and government bonds trades.

Javier PadovaPresident

jpadova@bancoindustrial.com.ar

(+54 11) 3042 0278

@

Javier PopowskyDirector

jpopowsky@bancoindustrial.com.ar

(+54 11) 5220 5755

@

Gaston EckelhartDirector

geckelhart@bancoindustrial.com.ar

(+54 11) 3003 3587@

Ignacio BoccardoDirector

iboccardo@bancoindustrial.com.ar

(+54 11) 3426 5677

@

IAM MANAGEMENT

Daniela CastaldoHead Portfolio Manager

dcastaldo@fondosiam.com.ar

(+54 11) 6707 5616

@

Martin Salvo Portfolio Manager

msalvo@fondosiam.com.ar

(+54 11) 3801 2107

@

Diego CetaniCommercial Manager

dcetani@fondosiam.com.ar

(+54 11) 4415 6578

@

4o positionin ByMA Fixed IncomeRanking (Senebi),SEP 17.

6o positionin Rofex Ranking,SEP 17.6o

4o

CAPITAL MARKETS CREDENTIALS

ON ROGIRO ACEROSSERIE XII

VN $80.000.000

COLOCADORJunio 2016

FIDEICOMISO FINANCIERO CGM XXX

VN $112.938.590

BRIDGE + UNDERWRITERCOLOCADORMarzo 2017

OBLIGACIÓNNEGOCIABLE

SERIE VII Y VIII

VN $282.237.500

CO-COLOCADOREnero 2017

FIDEICOMISO FINANCIEROCARFACIL II

VN $59.464.510

BRIDGE + UNDERWRITERCOLOCADOREnero 2017

BRIDGE + UNDERWRITERCOLOCADORFebrero 2017

FIDEICOMISO FINANCIEROCARFACIL II

VN $59.464.510

BRIDGE + UNDERWRITERCOLOCADORFebrero 2017

FIDEICOMISO FINANCIEROTARJETA PLATA V

VN $38.997.600

FIDEICOMISO FINANCIERO UNICRED FACTORING VII

VN $135.000.000

OBLIGACIÓN NEGOCIABLE SERIE III

VN U$S 100.000.000

UNDERWRITER CO-COLOCADOR

Marzo 2017

FIDEICOMISO FINANCIERO FIDEBICA 46

VN $250.153.946

SUB-COLOCADORAbril 2017

OBLIGACIÓN NEGOCIABLE SERIE IX Y X

VN $500.000.000

CO-COLOCADORAbril 2017

BRIDGE + UNDERWRITERCO-COLOCADOR

Marzo 2017

FIDEICOMISO FINANCIEROCREDICUOTAS III

VN $94.093.704

CO-COLOCADORMayo 2017

PRÉSTAMOSINDICADO

U$S 16.000.000

CO-PRESTAMISTAJulio 2017

OBLIGACIONESNEGOCIABLES CLASE I Y II

VN U$S 43.289.318

CO-COLOCADORMayo 2017

FIDEICOMISO FINANCIEROTARJETA GRUPAR 15

VN $8.936.559

BRIDGEMayo / Agosto 2017

FIDEICOMISO FINANCIEROSENSEI III

VN $51.063.103

CO-COLOCADORMayo 2017

FIDEICOMISO FINANCIEROELEBAR XXI

VN $77.748.864

CO-COLOCADORMayo 2017

FIDEICOMISO FINANCIEROCGM XXXI

VN $105.911.671

BRIDGE - UNDERCO-COLOCADORSeptiembre 2017

SUB-COLOCADORJunio 2017

FIDEICOMISO FINANCIERO FIDEBICA 47

VN $171.636.431

OBLIGACIÓN NEGOCIABLE SERIE XI Y XII

VN $346.995.624

CO-COLOCADORJulio2017

OBLIGACIÓN NEGOCIABLE SERIE I

VN U$S 4.000.000

CO-COLOCADORJulio2017

VALOR DE CORTO PLAZO SERIE II

VN $100.000.000

CO-COLOCADORJulio2017

PRÉSTAMO SINDICADO

U$S 33.000.000

CO-PRESTAMISTAJulio2017

PRÉSTAMOSINDICADO

$20.000.000

CO-PRESTAMISTAAgosto 2017

OBLIGACIÓN NEGOCIABLESERIE III Y IV

VN U$S 140.000.000

CO-COLOCADORSeptiembre 2017

OBLIGACIÓN NEGOCIABLESERIE I Y II

VN $139.683.000

CO-COLOCADORSeptiembre 2017

FIDEICOMISO FINANCIEROELEBAR XXII

VN $86.629.239

CO-COLOCADORSeptiembre 2017

FIDEICOMISO FINANCIERO FIDEBICA 48

VN $142.877.595

SUB-COLOCADORSeptiembre 2017

FIDEICOMISO FINANCIERO UNICRED FACTORING IX

VN $158.600.000

BRIDGE + UNDERWRITERCO-COLOCADORSeptiembre 2017

In July 2015 we launched b.trader, an application that makes investor experience easy and simple.

Real time quotations, company track records, ongoing updates on all available markets.

btrader.com.ar

MILLIONS USD

Dec, 2015

USD 173+166,4% over Dec 2014

Dec, 2016

USD 364+110,3% over Dec 2015

Sep, 2017

USD 555+52,6% over Dec 2016

Dec, 2014

USD 65

GROWTH*Assets under Management (USD)

IVSA MANAGEMENT

Javier PopowskyDirector

jpopowsky@bancoindustrial.com.ar

(+54 11) 5220 5755

@

Karina YankillevichDirector

kyankillevich@bancoindustrial.com.ar

(+54 11) 5238 0200

@

Gaston EckelhartBind Financial Manager

geckelhart@bancoindustrial.com.ar

(+54 11) 3003 3587

@

Juan DepetrisIVSA Manager

jdepetris@bancoindustrial.com.ar

(+54 11) 6059 3721

@

Guillermo MarescoSales & Trading

gmaresco@bancoindustrial.com.ar

(+54 11) 5238 0200 int. 27430

@

Miguel ZitarosaSales & Trading

mzitarosa@bancoindustrial.com.ar

(+54 11) 5238 0200 int. 27413

@

Rodrigo BalseiroSales & Trading

rbalseiro@bancoindustrial.com.ar

(+54 11) 5238 0200 int. 27542

@

Sofía CabreraHead of Capital Markets

scabrera@bancoindustrial.com.ar

(+54 11) 4329 2388

@

We reached the 100.000 policies sold.

We administer USD 15.800.000 in annual insurance premiums.

We invest in #ComparaOnline to join the technological challenges.

Sebastian HabifCEO

Marcela MonsalvoAsistente Ejecutiva

Eugenia EtchartAsistente Comercial

Corporate

Agustina VelasAtención al Cliente

Agustina GraciottiEquipo Comercial

Corporate

Matías SanguinettiTeam Leader

Cecilia KaceroOperations Team Leader

Francisco RomanoLogística

Martín EnterriosEquipo Comercial

Corporate

Daniel VillarLíneas Personales

Amorina FusaroTeam Leader

Cuentas Corrientes

Valentín BoariEquipo Comercial

Corporate

Alejandro LuciardoAutomóviles

Santiago Montes de OcaRiesgos de Trabajo y Vida

Román OlguinSeguros Masivos

Analía LavazzaOperaciones

Julieta PonceSiniestros Automóviles

Juan Pablo TornatoResponsable de Siniestros

Juan Carlos LagoCuentas Corrientes

Victoria BarrionuevoCuentas Corrientes

INDUSTRIALSEGUROS

MANAGEMENT

OUR FIGURES

Credicuotas (1)

81%8%25%10%

Average Market (2)

23%4%42%20%

Indicator

ROEROAAdministration Fees / IncomeAdministration Fees / Asset

Source (1) Credicuotas 2016/17 (2) CNV

> USD 38 MM

Total Loans

+ 50 K

Active Customers

8%

Non ProfitLoans

5%

Provisions for losses

> USD 4 MM

Monthly Sale

CAPITAL MARKETS CREDENTIALS

Fideicomiso FinancieroCredicuotas Consumo II

VN$81.054.789

Septiembre 2016

Fideicomiso FinancieroCredicuotas Consumo I

VN$80.851.513

Abril 2016

Fideicomiso FinancieroCredishopp VI

VN$36.809.611

Febrero 2015 Noviembre 2014

Fideicomiso FinancieroCredishopp V

VN$38.541.237

Mayo 2017

Fideicomiso FinancieroCredicuotas Consumo III

VN$94.093.704

Septiembre 2013

Fideicomiso FinancieroCredishopp IV

VN$13.577.670

Fideicomiso FinancieroCredishopp III

VN$9.591.401

Noviembre 2012

Fideicomiso FinancieroCredishopp II

VN$9.463.173

Julio 2011

Fideicomiso FinancieroCredishopp I

VN$8.553.177

Diciembre 2010

CREDICUOTAS MANAGEMENT

Ezequiel WeisstaubCEO

eweisstaub@credicuotas.com.ar

(+54 11) 5214 7692

@

Diego ManoblaCRO

dmanobla@credicuotas.com.ar

(+54 11) 5214 7692

@

Ramón MenalledCFO

rmenalled@credicuotas.com.ar

(+54 11) 3878 1480

@

Facundo VazquezCTO

fvazquez@bind.com.ar

(+54 11) 5238 0211

@

Our mission is to be a game changing company, with innovative and disruptive

technologies, that allows the digital conversion of businesses or even better,

the arising of new business models that didn't exist.

POINCENOT MANAGEMENT

Facundo VázquezCEO - CO Founder

Augusto Fernández VillaCOO - Co Founder

Mario Andrés LópezCBO - Co Founder

facundo@poincenot.com@ augusto@poincenot.com@ mario@poincenot.com@

OWN FINTECH LAB

Exponential growth and simple products that allow scalability at a regional level - LATAM.

100% AUTOMATEDMinimum administrative structure, with fullyautomated operational processes.

COMPANY BUILDER

FINTECHMedium to long-term projects with technological innovation processes.

SCOPE Concrete and specific problem.

Definition of Reach by 30%.

DIGITAL ACCELERATION

FINANCIAL MARKET

VENTURE CAPITAL

Through Corporate Responsibility we're on a journey to makeevery decision, every day, count - towards a sustainable future.

CORPORATE RESPONSABILITY