Apresentação do PowerPoint

Results 2012
Topics
Contacts
Brazilian and
Regional
Economy
40
03
Profile and
Corporative
Governance
Sustainability
08
38
Highlights
Conglomerate
36
Financial
Information
19
Operational
Features
15
Brazilian and Regional Economy
Brazilian Economy
Inflation IPCA- %
GDP - Variation %
6.56
6.1
7.5
5.84
4.18
5.2
4.55
2.7
0,9
-0.6
2008
2009
2010
2011
2008
2012
2009
2010
2011
2012
Source: IBGE
Source: IBGE
Earnings Per Capita (R$)
Unemployment - %
22.402
21.483
19.509
11.2
15.992
16.918
14.183
4.6
9.511
10.720
11.709
12.769
2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
Source: IBGE
Source: IBGE
4
Brazilian Economy – Projections
Indicators median- added
2013
2014
National Extended Consumer Price Index (%)
5.69
5.50
General Prices Index - DI (%)
5.17
5.00
General Prices Index -M (%)
5.20
5.20
Consumer Price Index-Fipe (%)
5.32
5.00
Exchange Rate – End of period (R$ / US$)
2.00
2.05
Exchange Rate – average in the period (R$ / US$)
2.00
2.04
Goal Special System for Settlement and Custody rate – End of period (% a.a.)
7.25
8.25
Goal Special System for Settlement and Custody rate – Average in the period (% a.a.)
7.25
8.25
Clear Debt of the Public Sector (% GDP)
34.50
33.20
GDP (% growth)
3.10
3.60
Industrial Production (% of growth)
3.10
3.50
Current Account (US$ Billion)
-63.10
-68.35
Balance of Trade (US$ Billion)
15.20
15.60
Direct Foreign Investiments (US$ Billion)
60.00
60.00
Managed Price (%)
3.25
4.35
Source: Focus Report of Central Bank of Brazil – 22/02/2013
5
Mid-West Region and Federal District’s Economy
150
145
140
135
130
125
120
115
110
105
100
Economic Activity Index of Central Bank of
Brazil – IBC – seasonal adjustment
Mid-West Credit
(R$ million)
Dec/12
212.420
Credit - Individuals
Credit - Companies
Total Credit
Dec/12
122.505
IBC-Br-CO
Dec/12
89.915
IBC-Br
Fonte: BACEN
GDP – FEDERAL DISTRICT
GDP distribution - DF
R$ billion
116,45
129,48
0,5%
142,57
6,8%
Animal/Agriculture
Industry
55,4%
37,4%
Services and
Trade
Public
Administration
2009
2010
2011
Source: IBGE and Codeplan
Data-basis: 2011
6
Banking Sector
60
Credit evolution and Default - National
Financial System - %
Dec/12
4.5
53.5 5
50
4
40
3.2
35.2
3.6
3.2
30
Special System for Settlement and Custody
-%
nov/08
13.64
Dec/08
11.18
3
ago/09
8.65
2
20
Credit/GDF
jul/12
Default
Brazilian Preferential Rate – TPB (%)
Average Spread in the Credit Operations (p.p)
Dec/08
20.8
27.43
24.7
Total
7
19.75
July/11
17.5
Nov/05
18.6
Nov-12
11.2
out/07
11.9
Individuals
Companies
Jan-08
Apr-08
Jul-08
Oct-08
Jan-09
Apr-09
Jul-09
Oct-09
Jan-10
Apr-10
Jul-10
Oct-10
Jan-11
Apr-11
Jul-11
Oct-11
Jan-12
Apr-12
Jul-12
Oct-12
50
45
40
35
30
25
20
15
10
5
0
dez/12
7.16
out/12
jan/12
abr/12
jul/11
out/11
jan/11
abr/11
jul/10
out/10
jan/10
abr/10
jul/09
out/09
jan/09
abr/09
out/08
jul/08
0
jan/08
0
abr/08
10
1
jul/10
10.32
jul/11
12.25
Source: BACEN
Dec/09;
12.4
Profile and Corporative Governance
Brazil – Brasília/DF
Brazil
Brasília. DF
9
Mid-West Region and Federal District
Mid-West
Area
1.606.371.505 km2
Population
14.5 million inhabitants
Population
Density
GDP per
Capita
HDI
8.26 inhab/ km2
R$ 24.939
0.815
Federal District
Area
5.802 km2
Population
2.6 milliion inhabitants
Population
Density
450 inhab/ km2
GDP per
Capita
R$ 57.033 (The highest in Brazil)
HDI
0.844 (The biggest in Brazil)
10
Banco de Brasília – Brief history
Banco de Brasília S/A – BRB, a mixed
economy company, whose major shareholder is
the Government of the Federal District, was
established on December 10th. 1964 by a
Federal Law and it was authorized to operate
by Central Bank of Brazil on July 12th. 1966.
It is the financial agent of the Government of
the Federal District, which acts as a retail
bank as well as a regional development one.
Brasil
Brasília. DF
11
It holds 106 Branches, which include the
capitals São Paulo, Rio de Janeiro, Goiânia,
Cuiabá and Campo Grande, not to mention that
it offers 758 ATMs, 48 thousand shared ones
(among which there are 24 hour ATMs, other
associates such as Banco do Brasil, and also
231 Non-bank Correspondents). Besides these
channels, BRB also provides internet services
(BRB Banknet) and Call Center services (BRB
Telebanco).
Shareholders Structure
Minor
shareholders
96.85%
3.15%
ON = 27.130.856
PN = 8.028.940
Total = 35.159.796
ON = 883.794
PN = 261.060
Total = 1.144.854
BSLI 3 (ON)
BSLI 4 (PN)
Total =
= 28.014.650
= 8.290.000
36.304.650
99.0%
100%
69.74%
1%
100%
3.18%
99.9%
12
Organization Chart
General Assembly
of Shareholders
Fiscal Council
Audit
Committee
Administration
Council
Audit
Superintendency
Remuneration
Committee
Board of Directors
Credit Analisis
Management
Presidency
Control
Director
13
Financial
Director
Branches
Director
Credit Director
Government
and
Development
Director
Administrative
Director
Technology
Director
Ratings – Local Currency
A-
A2.br*
9.35
Perspective:
Neutral
Perspective:
Stable
Normal Risk -
*Bank Deposits NSR (National Scale
Rating) – Local Currency
14
Operational Features
BRB’s Business model
Retail
Pillars
Wholesale
Credit –
Individuals
Investiments/
Others
Credit –
Companies
Corporate
Operations
Credit on Consignment*
Bank Deposit
Certificate/ Savings
Working Capital
Civil Construction
Financing
Personal Credit
Advance on Receivables
Investiment Funds
Agribusiness
(Micro and Small Producer)
Mortgage
Agribusiness
Credit Cards
(Medium-sized and Major
Producer)
Insurance
Business
Support
Mission “ To act as a public bank inductor of sustainable development of the Federal District and regions
of influence. providing innovative financial solutions with excelence in dealing with costumers”.
16
* Financeira BRB offers the product to customers who do not hold a current account.
Structured
Operations
Collection
Market Participation
RANKING PER BRANCHES AND CUSTOMER CARE
LOCATION IN THE DF1
Institution
BB
Branches
CCL
108
65
58
43
MARKET SHARE OF CREDIT – Mid-West
Mid-West
Oct/2011
Mid-West
Oct/2012
2,8%
3.0%
97,2%
BRB
58
97.0%
Others
BRB
30
CEF
54
14
Bradesco
44
11
Santander
34
54
HSBC
12
06
MARKET SHARE OF CREDIT – Federal District2
11,1%
BRB
88,9%
1Source:
Central Bank of Brazil. data-basis February/13
2Source:
17
Others
Central Bank of Brazil. data-basis October/12
Ohters Financial
Institutions
Clients
O BRB serves approximately 534 thousand clients:
Clientele
Individuals
1%
82,4%
58%
7,2%
Pir
41%
Individuals
Companies
Private Sector
Public Servants
Others
Source: BRB
18
Financial Information
Main Economic Indicators
R$ Million
2012
2011
4Q12
3Q12
2Q12
1Q12
4Q11
Credit Portfolio
6.382
4.880
6.382
6.020
5.667
5.321
4.880
6.0%
30.8%
Total Assets
9.767
8.669
9.767
10.109
9.625
8.960
8.669
-3.4%
12.7%
Total Deposits
6.655
6.405
6.655
7.285
7.093
6.543
6.405
-8.6%
3.9%
901
814
901
809
763
706
814
11.4%
10.7%
Term Depositis
3.868
3.950
3.868
4.655
4.579
4.186
3.950
-16.9%
-2.1%
Court Deposits
634
509
634
606
575
506
509
4.6%
24.6%
Savings Deposit
1.255
1.074
1.255
1.215
1.175
1.149
1.074
3.3%
16.8%
946
780
946
917
870
830
780
3.2%
21.3%
215.4
96
52.8
47.5
71
44.0
-57
11.2%
124.4%
NIM *
17.9%
18.5%
17.9%
18.4%
20.4%
20.0%
18.5%
-0.5p.p.
-0.6 p.p.
ROAA*
2.3%
1.2%
2.3%
2.0%
2.8%
2.0%
1.2%
0.3 p.p.
1.1 p.p.
ROAE *
24.9%
12.9%
24.9%
20.8%
32.8%
21.2%
12.9%
4.1 p.p.
12.0 p.p.
% PDD
4.5%
6.0%
4.5%
4.6%
5.2%
5.6%
6.0%
-0.1 p.p.
-2.5 p.p.
BIS Ratio
13.4%
13.5%
13.4%
12.7%
12.9%
12.9%
13.5%
0.7 p.p.
-0.1 p.p.
Tier I
11.2%
12.2%
11.2%
11.4%
11.5%
11.5%
12.2%
-0.2 p.p.
1.0%
Tier II
2.2%
1.3%
2.2%
1.3%
1.4%
1.4%
1.3%
0.9 p.p.
0.9 p.p
61.85%
62.21%
61.85%
61.10%
59.67%
64.40%
62.21%
-0.36 p.p.
0.75 p.p.
Deposists in cash
Equity Capital
Net Income
4Q12/3Q12 2012/2011
Rates
Eficiency Rate
*Accumulated Value
Source: BRB – Accounting Data
20
Assets and ROAA
Ativo
3,1%
2,8%
2,7%
2,2%
2,0%
2,0%
1,2%
9.625
8.668
10.109
2,3%
9.767
8.959
7.734
6.612
4.999
CAGR = 18.2%
R$
Thousand
2008
2009
2010
2011
Assets
Source: BRB
21
1Q12
2Q12
ROAA
3Q12
4Q12
Composition of the Credit Portfolio
100,0%
5,1%
2,5%
5,9%
2,9%
6,7%
18,2%
7,0%
6,5%
6,0%
5,8%
6,4%
3,4%
3,8%
3,5%
4,0%
3,9%
4,3%
15,8%
15,4%
17,0%
17,4%
16,5%
16,1%
74,2%
75,2%
74,4%
72,2%
72,6%
73,5%
74,2%
72,3%
2008
2009
2010
2011
1Q12
2Q12
3Q12
4Q12
Companies
Agribusiness
90,0%
80,0%
16,7%
70,0%
60,0%
50,0%
40,0%
30,0%
20,0%
10,0%
0,0%
Individuals
Source: BRB
22
Mortgage
Composition of the Credit Portfolio
2012
2011
(R$
thousand)
Part.
(%)
(R$
thousand)
Part.
(%)
∆%
5,674,990
88.9%
4,348,901
89.1%
30.5%
4,611,495
72.3%
3,520,571
72.1%
31.0%
Companies - Trade
433,902
6.8%
297,005
6.1%
46.1%
Companies – Industry
114,876
1.8%
103,564
2.1%
10.9%
Companies – Others
514,717
8.1%
427,761
8.8%
20.3%
Rural Credit
273,183
4.3%
185,628
3.8%
47.2%
Mortgage
405,816
6.4%
343,364
7.0%
18.2%
1,127
0.0%
1,791
0.0%
-37.1%
27,103
0.4%
222
Comercial Credit
Individuals
Increase in Loans in
2012
30.7%
16.3%
State Public Sector – Industry
Interbank
TOTAL
6,382,219 100.0%
0.0% 12,109%
4,879,906 100.0% 30.8%
BRB
Source: BRB
23
SFN
Credit Operations
Credit Operations x Provision (% Portfolio)
6%
Quality of the Portfolio*
5.6%
5.2%
4.6%
4.5%
6,382
3.3%
3.3%
6,020
5,667
2.4%
5,321
H
4,880
G
F
NFS¹ = 92.43%
E
3,793
AA – C = 91.72%
D
R$ millions
3,156
C
2,771
B
A
AA
CAGR *= 23.2%
*Operações de Crédito
66
104
2008
2009
125
2010
295
2011
Credit Portfolio
*Resolution CMN 2682/99
Source: BRB
24
296
1Q12
293
2Q12
Provisions
279
3Q12
288
4Q12
4Q2012
¹Source: Bacen
Credit Operations – Coverage Index
Coverage Index
Default
Dec/2011
Dec/2012
Dec/2011
Dec/2012
NFS
157%
152%
3.57%
3.64%
BRB
125%
169%
4.85%
2.66%
Coverage Ratios x NFS (National Financial
System) x BRB
161%
161%
169%
149%
157%
124%
152%
153%
152%
114%
Default x Provision (R$ million)
dez/11
295
set/11
247
set/11
218
ago/12
271
Default
25
dez/12
288
dez/11
237
ago/12
182
Source: BRB
set/12
279
set/12
173
Provision
dez/12
170
Sept Dec
Ago Sept
Dec
Sep-11
Dec-11
Aug-12
Coverage Ratios BRB
Sep-12
Dec-12
Coverage Ratios NFS
Source: Central Bank of Brazil and BRB
Composition of Funding
100,0%
90,0%
2,2%
20,1%
1,2%
0,9%
1,1%
0,9%
1,3%
1,3%
17,9%
16,8%
17,4%
16,4%
16,5%
18,6%
8,1%
8,0%
80,0%
5,7%
7,6%
8,0%
8,2%
Time Deposits - Distribution
0%
9,4%
3%
70,0%
60,0%
31%
37%
50,0%
55,1%
59,6%
61,7%
40,0%
63,2%
64,0%
63,1%
57,3%
27%
2%
30,0%
20,0%
10,0%
16,9%
13,2%
12,7%
10,7%
10,7%
11,0%
13,4%
2010
2011
1Q12
2Q12
3Q12
4Q12
0,0%
2009
Demand Deposits
26
Time Deposits
Judicial Deposits
Saving Deposits
Others
Individuals
Companies
Related Companies
Government of the Federal District
Term Deposit with Special Guarantees
Others
Subordinate Financial Bills + Term Deposit with Special Guarantees
191.885
131.301
103.000
105.965
SFB
108.639
TDSG
81.035
4Q 2011
R$ Thousand
Source: BRB
27
1Q 2012
2Q 2012
3Q 2012
4Q 2012
Equity Capital and ROAE
37,9%
1500
40,0%
32,8%
30,0%
28,3%
1300
24,9%
21,2%
20,8%
12,9%
20,0%
1100
946
917
900
780
30,0%
826
870
10,0%
0,0%
707
700
581
500
-10,0%
424
-20,0%
300
CAGR = 22.2%
100
-100
-40,0%
2008
2009
2010
2011
1T 12
Equity Capital (R$ million)
R$ million
Source: BRB
28
-30,0%
2T 12
ROAE
3T 12
4T 12
-50,0%
ROAE - Brazilian Banks
BR*
13.0%
13.4%
16.2%
14.8%
18.7%
16.1%
17.4%
16.7%
15.9%
15.8%
20.8%
11.7%
EC**
25.0
0.9
1.2
66.0
4.9
70.0
2.2
74.2
1.7
1.9
65.9
2.5
19%
19%
18%
18%
17%
27%
25%
18%
14%
8%
6%
-15%
* BIS Ratio Caixa
BRB
** Equity Capital - in R$ billion
29
Pine
Banco do Brasil
Banrisul
Bradesco
Daycoval
Itaú
ABC Brasil
Bicbanco
Santander
Panamericano
ROAE - Average Brazilian Banks
2011
2012
2011
2012
2011
2012
2011
2012
2011
2012
2011
2012
2011
2012
BR*
13.5%
13.4%
18.5%
16.2%
17.2
18.7%
16.5%
17.4%
15.6%
15.9%
18.1%
15.8%
10.23
11.7%
EC**
0.8
0.9
1.0
1.2
4.4
4.9
1.9
2.2
1.5
1.7
2.0
1.9
2.2
2.5
25%
22%
17% 18%
19%
19%
18%
17%
14%
12%
9%
6%
2%
-15%
* BIS Ratio
** Equity Capital
BRB - in R$ billion
30
Pine
Banrisul
Daycoval
ABC Brasil
Bicbanco
Panamericano
Diversification of Revenue
Revenues by Source
100%
12%
4%
0%
5%
0%
4%
2%
5%
2%
5%
2%
5%
2%
0%
11%
11%
11%
10%
10%
11%
6%
5%
4%
4%
5%
5%
10%
15%
11%
14%
10%
90%
80%
9%
6%
70%
Others
Compulsory Investiments
5%
12%
60%
Participation in Controlled and
Related Companies
50%
Provision of Services
40%
30%
59%
63%
63%
67%
68%
67%
71%
Fee Income
Securities
20%
10%
Credit Operations
0%
2009
2010
2011
1Q 2012
2Q 2012
3Q 2012
4Q 2012
Increase in Participation in Controlled and Related Companies
Increase of fee income
Fonte: BRB
31
Capital Structure
Reference Equity (R$ million)
1,133
836
793
927
974
1,024
103
109
79
106
859
189
796
838
779
824
868
915
944
2Q11
3Q11
4Q11
1Q12
2Q12
3Q12
4Q12
R$ million
Tier I
Tier II
Reference Equity
Composition of BIS Ratio
15,80%
13%
16,40%
13,80%
Tier II
2.23%
13,50%
13,39%
BIS Ratio
Tier I
11.16%
Source: BRB
32
Gross Result of the Financial Intermediation and NIM
1.200
20.7%
21.9%
24.2%
18.5%
17.9%
30,0%
10,0%
1.000
-10,0%
800
-30,0%
-50,0%
600
1,089
886
400
846
-70,0%
-90,0%
712
561
-110,0%
200
-130,0%
-
-150,0%
2008
R$ million
Source: BRB
33
2009
2010
2011
Gross Result of the Financial Intermediation
2012
NIM
Efficiency Index and Administrative Expenses
68%
62%
59%
62%
58%
326
290
302
Eficiency Index
302
Other Administrative
Personal Expenses
271
563
446
265
303
345
2008
2009
2010
2011
2012
Branches
100
99
103
102
106
Employees
2.283
2.379
2.474
2.638
3.073
Personnel Expenses + Others Administrative Expense
Efficiency Index =
Source: BRB
34
Result of the Financial Intermediation + Revenue from Services
2013
110
Net Profit and Return to the Shareholders
Net Income (R$ million)
100,2
215,4
195
190,5
110,3
96
40
61
40
54
49
62
71
44
42
52,8
47,5
-57
2007
2008
2009
1Q 10 2Q 10 3Q 10 4Q 10
2010
1Q 11 2Q 11 3Q 11 4Q 11
Net Income Distribution (R$ million)
27.3
27.3
27.6
23.6
2011
1Q 12 2Q 12 3Q 12 4Q 12
Equity Value per Investments (R$)
23.9
20.2 21.9
16.8
9.5
Sep-10
19.27
Sep-09
15.17
Sep-08
11.57
Sep-11
23.11
2012
Dec-12
26.06
JCP
Fonte: BRB
35
Dividendos Total
dez/12
set/12
jun/12
mar/12
dez/11
set/11
jun/11
dez/10
mar/11
set/10
jun/10
dez/09
mar/10
set/09
jun/09
dez/08
mar/09
set/08
jun/08
1ºS08 2ºS08 1ºS09 2ºS09 1ºS10 2ºS10 1ºS11 2ºS11 1ºS12 2ºS12
mar/08
0.0
Highlights of the Conglomerate
Highlights of the Related/Controlled Companies
• The Financing portfolio has increased about 66% in the amount of contracts and 172% in balance in comparison with
the same period in 2011.
• The Public Consigned Credit has increased 1.095% and the Private one has increased 167% in comparison with the
same period in 2011.
• The concentration of credits has been reduced considerably. which means acting in a pulverized manner. In 2011.
this concentration represented 36% of the portfolio; while in 2012 the percentual was only 2%.
• The volume administrated by BRB DTVM reached R$ 1.6 billion. with increase of 22% (R$ 270 million) in 2012.
• Emphasis to the growth of 76% in fundrainsing as far as institutional clients are concerned. There has also been a
significant growth in clients. from 18 to 43 in the portfolio. which is significantly higher than it was in 2011. when the
group increased 36%. meaning 5 new clients.
• The company was established in order to operate in the field of Acquisition of Credit/Debit Cards in partnership with
Global Payments Inc.
• In the end of 2012 the clients portfolio was more robust. especially in terms of sales of the segments of car
insurance. life insurance. Capitalization and moneylender.
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Sustainability
Social-Corporate Sustainability
Partnership with waste recycling NGOs.
Financial Education
Warm Clothes Campaign
Accessibility to the Handicapped
Volunteer Work Campaign.
Social Programs of the Government of the Federal District:
346.862 served beneficiaries;
R$ 54.6 million paid in benefits
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Contacts
Contacts
Chief Finance and Investor Relations
Investors Relations - RI
SBS - Quadra 1 - Bloco E - Ed. Brasília – 8th floor
70072-900 - Brasília (DF) - Brazil
Telephone: (+55 61) 3412-8436
E-mail: ri@brb.com.br
Disclaimer - This presentation mentions and makes statements about expectations. planned synergies. growth estimative. projection
of results and future strategies about Banco de Brasília. Though these references and statements may reflect what the administrators
believe. they may have some imprecision and some risks which are hard to predict. Therefore. there may be some results or
consequences that differ from those presented here. These expectations are highly dependent on the conditions of market. the
general economic performance of the country. sector and the international markets. Banco de Brasília does not take the responsibility
for updating any estimative in the presentation.
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