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AGROBANCO, RURAL DEVELOPMENT BANK. Contents - Strategic Planning - Participation and Portfolio Growth - Term of Placements - Growth of our Clients - Portfolio.

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Presentation on theme: "AGROBANCO, RURAL DEVELOPMENT BANK. Contents - Strategic Planning - Participation and Portfolio Growth - Term of Placements - Growth of our Clients - Portfolio."— Presentation transcript:

1 AGROBANCO, RURAL DEVELOPMENT BANK

2 Contents - Strategic Planning - Participation and Portfolio Growth - Term of Placements - Growth of our Clients - Portfolio Quality - Potential Demand - National Coverage - Financial Products - Major Crops Financed - Financial Results - ANNEXES - Human Resources and Business Managers - Other Services - Other Variables

3 Section One Strategic Planning

4 WHAT ARE OUR ASPIRATIONS? Key Indicators FUNDING DomesticForeign PLACEMENTS 1ST FLOOR Sub-Sectorial More restrictive areas Syndication PLACEMENTS OTHER FLOORS Second floor1 ½ floor FUNDS CommissionsTrusts FINANCIAL SERVICES Direct CreditsIndirect CreditsExternal Trade PUBLIC FUNDING Differentiated Service Mitigate RiskGradual ¨IN LINE WITH AGRICULTURE¨ Facilitate Sustainable Income Generation STRATEGIC OBJECTIVE: ¨CAPITALIZATION OF THE AGRICULTURAL SECTOR¨ Rural Development Bank

5 Vision “To be an innovative Rural Development Bank with mixed shareholders, and a leader in financial services, supported by a high human performance and the use of state-of-the-art technology.”

6 Mission “To provide financial products and services in promotion of rural savings and accompany the development of production, agricultural businesses and complementary activities in the rural areas, focused on the financial inclusion of people in poverty and/or other limitations.”

7 Section Two Participation and Portfolio Growth

8 2,260,973 agricultural units (IV CENAGRO) Credits to the Agricultural Sector Entities in the financial system DebtorsCredits (thousands of US$) Participatio n in the agricultural sector Agricultural Sector PLacements / Total financial sub-system Multiple Banking 25, %2,6% Financial Companies: 80, %5,6% Municipal Savings Banks 79, %6,6% Rural Savings Banks 35, %12,8% EDPYMES 12, %4,6% Subtotal 234, %3,1% Agrobanco (1st floor) 1 / 46, %100% Fondo Agroperú 1 / 16, %100% Subtotal Agrobanco 62, %100% Total 297, %3,6% Agrobanco (2nd floor) 1/ 7, % Total AGROBANCO 70, % 1/ Placements December 2013 Source: SBS 2013

9 Créditos al Sector Agrario Entities in the financial system Dic-12Dic-13Variation Debtors Credits (thousand s of US$) Debtors Credits (thousand s of US$) % Debtors % Credits Multiple Banking 36, , %19.4% Financial Companies: 51, , %63.5% Municipal Savings Banks 79, , %2.5% Rural Savings Banks 77, , %-44.4% EDPYMES 14, , %-44.7% Subtotal 259, , %13.9% Agrobanco (1st floor) 1 / 26, , %124.9% Fondo Agroperú 1 / 17, , %60.3% Subtotal Agrobanco 44, , %117.3% Total 303, , %22.7% Agrobanco (2nd floor) 1/ 5, , %-42.7% Total AGROBANCO 49, , %103.8% Source: SBS 2013

10 (in thousands of US$) Distribution of Placements +20 % +17% +16%+13%+16% The inter-annual growth of the placement balance in the agriculture sector was 21%, above other sectors AgricultureIndustryTradeLogistics Real estate Other sectors

11 Evolution of Placements

12 Projected Placements Projection

13 + 94% Evalution of Disbursements Year 2011Year 2012Year 2013Year 2014

14 Section Three Term of Placements

15 IN MILLIONS OF US$ Distribution Portfolio Term Year 2012Year 2013Year 2014 Short term Medium term Long term

16 Section Four Growth of our Clients

17 New and Recurring Clients 23,887 32,867 87,908 62,534 New clientsRecurring clients Jan-2014

18 Section Five Portfolio Quality

19 Late repayments: absolute values

20 Late repayments: relative values

21 Re-financed Portfolio Million $.

22 High-risk Portfolio Million $.

23 Million $ High-risk Portfolio / Provisions A January 2014 MonthsHigh-risk portfolio Provisions US$ Provisions/Portfolio Balance GenericSpecific dic ,66% jun ,88% sep ,65% dic ,25% ene ,09% mar ,69% abr ,45% may ,12% jun ,01% jul ,89% ago ,79% sep ,50% oct ,36% nov ,34% dic ,28% ene ,28%

24 Economic losses: penalties Year Jan-14 Amount Capital Penalty US$ Equity US$ Disbursements US$ Economic Loss % 2.3%0.8%0.9%0.0%

25 Section Six Potential Demand

26 Productive Sub-Sectors Total : 2,260 M Farming Units -Agricultural 321 M -Livestock 416 M -Forestry 4 M -Agricultural, livestock 1,169 M -Agricultural, forestry 15 M -Agric., livestock and forestry 333 M Property and condition Irrigation and basins Energy supply Altitudinal tiers Wealth and Conditions Total 38.7 M of ha - Agricultural 7.1M Ha - Livestock 18.0M Ha - Forestry 13.5 M Ha Business Chain Total :7.1 M of ha 1. Agricultural Surface in Use : 4.10M - Self-consumption 0.70 M - Agroindustry 0.96 M - For sale 2.40 M 2. Agricultural Surface in Development: 3.00 M DISTRICTS/BASINS BY ZONE TOTAL CENTER CENTRAL COAST NORTHFOREST CENTRAL HIGHLAN DS SOUTH DISTRICTS ,839 BASINS Source IV CENAGRO 2012 Potential Market

27 North Area Potential debtors 189,371 Agrobanco debtors 7,142 Agricultural sector debtors 92,269 Agrobanco participation 8% Central Coast Area Potential debtors 30,213 Agrobanco debtors 3,576 Agricultural sector debtors 52,496 Agrobanco participation 7% Rainforest Area Potential debtors 41,304 Agrobanco debtors 5,716 Agricultural sector debtors 34,546 Agrobanco participation 17% Central Area Potential debtors 29,685 Agrobanco debtors 5,908 Agricultural sector debtors 42,093 Agrobanco participation 14% South Area Potential debtors 34,916 Agrobanco debtors 8,725 Agricultural sector debtors 80,762 Agrobanco participation 11% Domestic Potential debtors 325,489 Agrobanco debtors 31,067 Agricultural sector debtors 302,166 Agrobanco participation 10% Number of points of sale (Dec. 13) AGROBANCO Number of points of sale (Dec. 13) Financial System Source: National Agricultural Sector 2012 – INEI; SBS (2012)

28 Section Seven National Coverage

29 AGROBANCO Cities with greater restrictions Source: AGROBANCO (2014), INEI (20112 CitiesIncidence of PovertyOffices AGROBANCO Huancavelica85.7%CEAR: Pampas y Huancavelica Apurímac69.5%OE Andahuaylas, OE Anco_Huallo ; CEAR: Abancay Huánuco64.9%OE Tingo María y Puerto Inca; CEAR: Huánuco Puno67.2%AR Puno; OE Ayaviri, CEAR Juli, Ayacucho68.3%AR Ayacucho y San Francisco;; SOAR Carmen Salcedo TOTAL 03 Agencia Regional 05 Oficina Especial 05 CEARs 01 SOAR Commercial Network Dec. 2012Dec Regional Agencies1521 Special Offices918 Centro Especializado de Atención Remota (CEAR) 4431 Servicio de Orientación de Atención Remota (SOAR) 22 TOTAL7072

30 Section Eight Financial Products

31 Investment capital productsWorking capital products Relation to rural areas Financial Services

32 En Millones de $. Disbursement by Credit Product A December

33 Section Nine Major Crops Financed

34 63% de la Cartera Main Crops

35 MAIN CROPS List of Disbursements

36 Section Ten Financial Results

37 AGROBANCO Results Net Profit (thousands of US$/.) Income tax thousands of US$/.)

38 Indicadores de Gestión Description Average interest rate 19.59%19.60%17.98% Financial income (in thousands of US$) Income due to Financial Services (in thousands of US$) Operating Expenses / Total Financial Margin %52.85%51.85% Profit after taxes (in millions of US$) Note: The figures for May are referential, since the accounting closure has not been made yet 1. Includes: Financial income (accrued) 2. Management Exp. / (Financ. Income + Income due to Fin. Serv. - Fin. Expenses -Expenses for Fin. Serv.). Income and expenses are annualized.

39 INVESTMENT GRADE International Rating

40 Own resources 42% Owed COFIDE 24% A total of $ MM of placements in the Agricultural Sector Source: AGROBANCO, JAN-14 1st Floor $ MM (98.0%) 2nd Floor $. 6.9 MM (2.0%) Owed IFI’s, BN, Citi 34% FUND MINAG (100%) 1st Floor $. 66,9 MM (17.6%) AGROBANCO Funding

41 Global Capital Ratio Payable by AGROBANCO as of Financial institutionsCurrencyAmount Equivalent amount ME COFIDE Linea US$ COFIDE PFE US$ TOTAL COFIDE US$ TOTAL BN US$ Total InterbankUS$ Banco ComercioUS$ Caja LurenUS$ Citibank *US$ BCP US$ Banco GNB US$ TOTAL COFIDE Loans from third parties Funding

42 Section Eleven ANNEXES

43 Section Eleven Human Resources and Business Managers

44 Human Resources Personnel Oct-13 CAP Lima % % % CAP Regional Offices % % % Total CAP % % % Average Productivity by Employee (Disbursements/Personnel US$ ) 38,22355,51398,821 Other temporary hiring modalities (annual average) Average Productivity adjusted by Employee (Disbursements/Personnel US$) 29,11041,89762,565

45 Business Managers # of ManagersAmount in US$# of credits LEGAL PERSONS 66 12,741,690 2,618 NATURAL PERSONS ,187,844 32,143 Total credits with managers ,929,534 34,761 TYPE OF PERSON Business Managers

46 Gender - Natural Persons # of ManagersAmount in US$# of credits MASCULINE 95 22,308,450 5,333 FEMININE ,879,393 26,810 Total ,187,844 32,143 GENDER Business Managers

47 Section Eleven Other Services

48 II International Seminar on Rural Financial Services BREAKING PARADIGMS Held on November 11 Speakers: Peruvian and international professionals will share their experience in rural financial services for the agricultural sector. Objectives of the Seminar: Contributing to a better understanding of the rural agricultural sector. Promoting growth and development of a bank industry for the agricultural sector. Placing financial services as factors for social inclusion, growth and development of the banking industry in the sector.

49 Statistical Maps

50 Non-Financial Serv. Platform

51

52 5,551 producers insured against weather events (Oct 13). - Insured investmentsS/ M - Financing S/ M

53 Section Eleven Other Variables

54 Portfolio by Type of Person Balance as of December 2013 LEGAL PERSON NATURAL PERSON LEGAL PERSON NATURAL PERSON

55 Portfolio by Gender Balance as of December 2013 FEMININEMASCULINELP FEMININEMASCULINELP

56 Portfolio by Age Balance as of December 2013

57


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