BBVA Colombia
Corporate Information
The IR Recognition granted by Bolsa de Valores de Colombia S.A. (the Colombian Stock Exchange) is not a certification of the registered securities or the solvency of
the issuer.
2
Index
1. History
2. Organizational
Structure
3. BBVA in Colombia
4. Main Figures
5. Contact
3
Index
1. History
2. Organizational
Structure
3. BBVA in Colombia
4. Main Figures
5. Contact
4
Our History
Capital Share (1)
Caja Agraria
1%
Public
10%
Public
BBV
30%
Private
Banco Ganadero
was set up
1956
70%
1980
Private
90%
Banco Ganadero was
set up as private
bank
1990
BBV acquired 34.70% of
the share and merged
with Banco Ganadero.
Acquired
49.15% of
the capital
share.
1996
1998
1992
Today’s Capital share
5%
BBVA
BBV and
Argentaria
announced
their merger
1999
BBVA
became the
owner of
85.1% of
the Shares
2000
increased
its
ownership
to 95.2% of
the shares.
2001
BBVA
Ganadero
changed
it’s name
to BBVA
Colombia
2004
(1) https://www.bbva.com/es/noticias/economia/bbva-colombia-60-anos-historia/
19%
BBVA
merged with
Banco
GranAhorrar
2006
76%
2016
5
Index
1. History
2. Organizational
Structure
3. BBVA in Colombia
4. Main Figures
5. Contact
6
Structure
Chief Executive Officer
OSCAR CABRERA
IZQUIERDO
Legal & Compliance,/ General
Secretary
Comunnications
ULISES CANOSA SUAREZ
MAURICIO FLORES MARIN
Internal Audit
BBVA Research
FÉLIX ARMANDO CARDONA
LOPEZ
JUANA PATRICIA TELLEZ
CORREDOR
Global Risks Management
Business Development
Engineering
Commercial Network
ROCIO PEREZ MIES
PEDRO BUITRAGO MARTINEZ
JOSE MARIA
JIMENEZ TUÑON
HERNANDO ALFONSO
RODRIGUEZ SANDOVAL
Finance
Talent & Culture
Corporate & Investment Banking
FELIX PEREZ PARRA
JOSE ALBERTO HERNANDEZ
MERINO
DAVID REY BORDA
7
Index
1. History
2. Organizational
Structure
3. BBVA in Colombia
4. Main Figures
5. Contact
8
We´re focus on the Local Market
Participation in Colombia - Assets
PEER 1
Focus only in
100%100%
local market
PEER 2
22%
43%
37%
PEER 3
57%
63%
78%
(1) Source: Annual report of each bank
Relevant franchise for the Group in South America
ASSIGNED PROFIT (2)
Chile
Peru
Argentina
Colombia
Turkey
% Colombia in Latin America
Rest of
EuroAsia
Net Interest Income
3% 4%
3%
Income Participation
6%
6%
14%
TOTAL:
46%
10.997 Mm
25%
TOTAL:
€ 771 Mm
75%
U.S.A
29%
Mexico
71%
11% 7%
Spain
(2) It doesn´t include Corporative Cente, Figures Dic-16
9
Our Bank…
Magdalena
Atlántico
Bolívar
7
26
San Andrés
y Providencia
Branch Offices
La Guajira
11
6
Sucre
Cesar
3
8
527
Norte de Santander
1
8
Córdoba
Boyacá
10
7
Caldas
Antioquia
7
49
Risaralda
Valle del
Cauca
ATM’s
2
21
Casanare
Chocó
11
Vichada
6
C/marca
1
Quindío
Arauca
Santander
1
17
Tolima
5
Bogotá
1.339
113
9
Meta
45
9
Cauca
Employees
Guainía
2
Guaviare
6.097
Nariño
6
Vaupés
Caquetá
2
Huila
7
Putumayo
Amazonas
2
1
Population Density
< 1MM
1 – 2MM
2 – 4MM
4 – 6MM
Banking Agents
4.755
>6MM
Note: Include Commercial Branches, Agencies, Service Center, Minibanks, Inhouse
10
An important evolution in our Digital
Sales Ratio
Cotinue working in
% of sales in Digital Channels
Digital Experience:
Attraction of digital clients
Retaining digital clients
Consumer
2.50
19.7%
16.1%
16.5%
9.2%
Digital Customers
18.5%
17.3%
10.3%
12.1%
9.4%
13.6%
8.35
9.31
1.20
Mobile Customers
TC
CDT
21.2%
Accounts
15.3%
5.85
1.99
4.40
0.70
Index
1. History
2. Organizational
Structure
3. BBVA in Colombia
4. Main Figures
5. Contact
12
Multi-Line business platform
Lines of business
Retail
Banking
SME’s and
Commercial
Banking
We´ve a difersified
portfolio to cope with
the economic cycle
Corporate,
Investment
Banking and
Treasury
Asset
Management
Consumer
Finance
Payment Means
o High-Income Segment:
 Differentiated Service
 Expanded Sales
Force
 Specialized Services
Growing in the Market Share
Share Evolution
Consumer
Mortgages
12%
26%
14% 14%
13%
21%
9%
8%
5%
6% 6%
5%
6%
2%
2%
1996
2005
Consumer Line 2016
3%
1%
16%
15%
8%
21%
20%
2016
5%
0% 0%
1996
0.1%
2005
2016
Payroll our Leading
Product…
Pensioners
12%
Teachers
Military
12%
26%
Payroll
Loan
46%
Public
Sector
Healthcare
Employees
14
Diversified and Growing Business
Funding Mix
1996
2005
20%
2016
13%
24%
24%
We follow the
liquidity
standards of
44%
45%
35%
43%
52%
BASEL III
Year-on-year growth by type of deposit
Checking Accounts
Saving Accounts
11.0%
13.5%
8.7%
10.6%
13.4%
7.9%
11.3%
10.9%
Term Deposits
7.6%
9.7%
8.1%
5.1%
7.3%
6.0%
3.4%
1996
2000
2005
2010
2016
1996
2000
2005
2010
2016
1996
2000
2005
2010
2016
Stable Equity at consolidated level
Total Capital
Ratio 12.9%
BBVA
Total Capital
Ratio 9%
Peer 3
Peer 2
7.0
4.5
CET1
BBVA Colombia has a solvency ratios as good
as its peers.
Source: Annual report of each bank
14.40
11.60
13.47
12.72
13.00
11.80
13.16
13.02
13.72
12.20
12.96
13.37
13.59
12.46
Additional
Tier 1
/ Tier 2
11.70
5.9
13.57
4.5
Peer 1
Risk Profile
Debt Rating
Emisor
Cupon
Moody´s
Fitch
Peer 1
5.125
Ba2
BBB-
Peer 2
5.375
Ba2
BBB-
Peer 2
6.250
Ba2
BBB-
Peer 3
5.875
Ba2
BBB-
BBVA
4.875
Baa3
BBB
Risk premium
We have the best
credit rating on
the market
Default ratio
1.65
1.36
Dec-14
1.43
Dec-15
2.02
1.43
Dec-16
Dec-14
1.58
Dec-15
Dec-16
Index
1. History
2. Organizational
Structure
3. BBVA in Colombia
4. Main figures
5. Contact
18
Contact
E-mail:
[email protected]
Investor Relations Team:
Germán Rodríguez Perdomo
[email protected]
Finance - ALM & Treasury
Katherine García
Tel 3471600 ext 11286
[email protected]
IR – Senior Officer
Bogotá, Colombia.
BBVA Colombia S.A.
The IR Recognition granted by Bolsa de Valores de Colombia
S.A. (the Colombian Stock Exchange) is not a certification of the
registered securities or the solvency of the issuer.
19