Institutional Presentation - cdn.regional.com.py · Institutional Presentation US$ mm 0. Permanent Innovation to become the bank of choice of the successful people, who are the leading

Institutional Presentation

US$ mm

March 2020

Permanent Innovation to become the bank ofchoice of the successful people, who are theleading players in the development of ourcountry

To keep ourselves committed to the success of our clients

✓ Integrity✓ Professionalism✓ Positive Attitude

2

Paraguay's Economy

Overview

3

Supportive macro and banking sector scenario

*Provisional data** Referential exchange rate according to BCP Source: BCP

G

4

Dec-19 Mar-20

% GDP 0,2

% Accumulated Inflation 2,8 0,4

% Annual Inflation 2,8 2,5

USD Exchage rate** Gs 6.509,8 Gs 6.563,0

Banking Sector Regional

Mar-20 Mar-20

% Loan growth vs Dec19 11,1 2,2

% Deposits growth vs Dec19 15,4 4,5

% NPL 3,0 2,8

% Annualized ROE 15,7 0,5

Paraguay’s Overview

Source: MF Economía with BCP and USDA data

Key Figures

Country key facts

Asunción

Contribution to GDP by Sector (2014-2019*)

Fuente: MF Economía con datos de BCP y USDA

6%

2%

9%

8%

19%

10%8%

37%

Construction

Livestock

Government

Binationals

Industry

Commerce

Agriculture

Others

* Provisional

Surface 406.752 km2

Population (2019) 7,1 millions

GDP 2019*US$ 38,6 billion

US$ 5.404 per capita

Worldwide

Relevance as

Exporter

1st exporter of organic sugar 2nd exporter of stevia 4th exporter of soybean 5th exporter of soybean oil 5th exporter of energy 7th exporter of corn 11th exporter of beef

High economygrowth:

~4,1% annualduring

2015-2019

Low inflation rate

with a stable

monetary policy

Agribusiness has historically

been main economic driver,

with services, industrial and

tertiary sectors starting to

develop more intensively

Lowest tax rates in South America,providing incentives to investments Tax on Corporation and Personal

income: 10% VAT in 5 - 10% range

5

Macroeconomic stability is sustained

*Provisional data **ProjectionsSource: MF Economía with BCP data Fuente: MF Economía con datos de BCP y USDA

Exchange rate (Gs/US$ in average)

Annual Inflation GDP Growth % *

GDP per capita (US$)

6

4,9%4,0% 3,7%

4,2%

3,1%3,9%

4,5%

3,2% 2,8%

2011 2012 2013 2014 2015 2016 2017 2018 2019

5.3095.171

5.872

6.006

5.3715.302

5.6675.792

5.404

2011 2012 2013 2014 2015 2016 2017 2018 2019*

4.196 4.422 4.3044.462

5.2055.670 5.591 5.693

6.241

2011 2012 2013 2014 2015 2016 2017 2018 2019

4,2%

-0,5%

8,4%

4,9%

3,1%4,3% 5,0%

3,4%

0,2%

4,1%

2011 2012 2013 2014 2015 2016 2017 2018 2019* 2020**

Lower debt and higher fiscal balance

* 2015-2019 in average * Provisional 2019Source: MF Economía with BCP and FMI data

Fuente: MF Economía con datos de BCP y USDA

Fiscal Balance / GDP

Net Public Debt / GDP

Fiscal Balance / GDP* in the Region

Net Public Debt / GDP* in the Region

7

63,3 60,0

34,923,5

8,3

-1,0 -4,6

26,3

BRA ARG COL BOL CHI PAR PER-6,6%

-4,2% -4,4%-3,7%

-2,0% -2,3% -2,5%

0,1%

2,0%

2011 2012 2013 2014 2015 2016 2017 2018 2019*

0,1%

1,0%

0,7%

-1,2% -1,3%-0,9%

-1,3%-1,1% -1,1% -1,3%

-2,8%

2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019

-2,2 -2,2 -2,6 -2,6-2,8

-5,7

-7,6-8,4

-4,2

PER CHI URU COL PAR ARG BOL BRA

Source: MF Economía with USDA dataFuente: MF Economía con datos de BCP y USDA

Global commodity supply remains high

WHEAT

SOYBEAN

RICE

CORN

8

60

73

57

58

64

79

95

80

99

11

0

97

261 265 241 269283 321

350317

342 358338

0,0

50,0

100,0

150,0

200,0

250,0

300,0

350,0

400,0

0

20

40

60

80

100

120

20

10

20

11

20

12

20

13

20

14

20

15

20

16

20

17

20

18

20

19

20

20

Final Stock (Millions of Ton.) Production (Millions of Ton.)

13

2

11

5

12

3

14

5

21

5

27

9

35

2

31

2

34

1

32

0

29

8

834 849910 899

1.027 1.0581.128

1.0151.080 1.122 1.111

0

200

400

600

800

1.000

1.200

0

50

100

150

200

250

300

350

400

20

10

20

11

20

12

20

13

20

14

20

15

20

16

20

17

20

18

20

19

20

20


20

4

19

9

19

9

18

0

19

8

22

3

26

3

24

5

28

3

27

8

28

8

688 651 699 660

717730

756738

763731

764

580600620640660680700720740760780

0

50

100

150

200

250

300

350

20

10

20

11

20

12

20

13

20

14

20

15

20

16

20

17

20

18

20

19

20

20


97

10

2

11

2

12

3

12

8

13

5

15

0

14

2

16

3

17

4

17

7

441 452470

476 481 482491

477

495499 497

410420430440450460470480490500510

020406080

100120140160180200

20

10

20

11

20

12

20

13

20

14

20

15

20

16

20

17

20

18

20

19

20

20


SOYBEAN OILWorld 56,9 World 11,8

1 China 15,2 26,8% 1 Argentina 5,7 50,7%

2 USA 11,1 19,5% 2 Brazil 1,1 9,3%

3 Argentina 8,7 15,3% 3 EU 1,0 8,0%

9 Paraguay 0,7 1,3% 5 Paraguay 0,7 6,0%

SOYBEAN MEALWorld 238,6 World 67,8

1 China 67,3 28,2% 1 Argentina 30,9 45,5%

2 USA 44,9 18,8% 2 Brazil 15,4 22,7%

3 Argentina 34,3 14,4% 3 USA 12,0 18,0%


Paraguay and Soybeans market - 2019/20

Production (Million ton.) Exports (Million ton.)

SOYBEANSWorld 337,7 World 149,1

1 Brazil 123,0 36,4% 1 Brazil 76,0 51,0%2 USA 96,8 28,7% 2 USA 48,3 32,4%3 Argentina 53,0 15,7% 3 Argentina 8,2 5,5%5 Paraguay 10,2 3,0% 4 Paraguay 6,2 4,2%

Source: MF Economía with BCP and USDA data9

WHEATWorld 764,4 World 181,1

1 EU 154,0 20,2% 1 Russia 34,0 18,8%

2 China 133,6 17,5% 2 EU 31,0 17,1%

11 Argentina 19,0 2,5% 6 Argentina 13,0 7,2%


RICEWorld 496,7 World 45,6

1 China 146,7 29,5% 1 India 11,8 25,9%

2 India 115,0 23,2% 2 Thailand 7,5 16,6%

11 Brazil 7,1 1,4% 9 Uruguay 0,8 1,7%


Paraguay and the Cereal market – 2019/20

Source: MF Economía with BCP and USDA data

Production (Million tons) Exports (Million tons)

CORNWorld 1.110,8 World 165,6

1 USA 347,8 31,3% 1 USA 45,1 27,2%

2 China 260,8 23,5% 2 Brazil 36,0 21,7%

3 Brazil 101,0 9,1% 3 Argentina 33,5 20,2%


10

Paraguay became relevant in the Global Beef Market

*Ton carcass weightSource: MF Economía with BCP and USDA data

Global Beef Market (Projections 2019)

Main Producers Main Exporters

Country Tons Share Country Tons Share

World 61.604 100,00% World 11.314 100,00%

1 USA 12.381 20% 1 Brazil 2.356 20%

2 Brazil 10.225 17% 2 Australia 1.825 16%

3 EU 7.875 13% 3 India 1.600 14%

4 China 6.850 11% 4 USA 1.372 12%

5 India 4.287 7% 5 Argentina 765 7%

6 Argentina 3.120 5% 6 New Zealand 649 6%

7 Australia 2.450 4% 7 Canada 560 5%

8 Mexico 2.020 3% 8 Uruguay 470 4%

9 Pakistan 1.820 3% 9 EU 370 3%

10 Russia 1.367 2% 10 Mexico 355 3%

… … … 11 Paraguay 340 3%

16 Paraguay 530 1% 12 Belarus 195 2%

11

Regional: A leading

Bank designed for

development

12

Assets March 2020

Usd 2.755,8

Strategic and Steady Growth

Strategic alliance with Rabobank

• Rabobank becomes largestshareholder with 40% stake

• Local stock issuance in BVPASA• Acquisition of 100% of ABN

AMRO Paraguay

Bank expansion• 5-year strategic plan with Bain &

Company’s support• First international bond issuance

for US$300mm• Institutional image renewed• 25 years in the Financial System• Creation of Brokerage• Beginning of “Fundación Regional”

Strategic Turn-Around

• Implementation of new strategic plan to expand

• Personalized customer attention

• Institutional image renewed• Tech infrastructure upgradeNavigating the

financial crisis• One of the few local

banks to successfully steer through Paraguay’s banking crisis

Bank Foundation

• Commercial bank• First bank in Paraguay

headquartered outside the country’s capital

1991

Assets $8,10

2000 / 05

2018

1998

2008 / 12

2013 / 17

Assets 2008:

$624,63

Assets (US$ mm)

• Incorporation of “Regional SAde Seguros” (Insurance Company)

• Payment of International Bonds (US$ 300 mm)

13

12

Production of

Direct Premiums

Motor insurance

29,96%

Life insurance

30,31%

Technical risks

insurance 11,73% Fire

insurance 9,19%

Risk insurance

8,39%Others 8,23%

Surety insurance

2,19%

Accumulated transactions to

Dec-19

4

Direct Premiums(1)

In 2019 we have expanded as an economic group…

14

(1) 2019-2020. Accumulated to March 2020(2) According to the latest report of Solventa to Oct-19(3) 100% Fixed IncomeTotal Insurers in the System = 36Total Brokerage Houses in the System = 10

Insurance company acquired

by Banco Regional on

February, 2019

It has 25 years operating in

the market.

Marketshare(1) Score(2)

py A-(Stable)

Brokerage house approved by

the Extraordinary Assembly on

July 31, 2018.

Started to operated on January,

2019.

Stock MarketSubordinated bondsCorporate bondsFinancial bonds

OTCTerm Deposits

Securities Offered(3):Marketshare

And Corporate Social Responsibility, has become one of the

central elements of the business strategy

15

NGO approved by the Extraordinary Assembly

on July 31, 2018.

➢ Financial Education: to reduce the risk of negative financial qualification ofindividuals and promote the financial sustainability of companies and individuals.

➢ Agricultural and livestock research: to improve productivity and sustainability offood production.

➢ Environmental Education: to improve citizen and productive practices, which allowsus to influence the protection of the environment.

"Contribute to the development of the community, beyond the strict interests that the business demands, expressing in the best way,

the social, economic and environmental contribution in the communities in which it

operates"

Purpose:

Strategic Objectives

Commitment to sustainable and sustainable development

16

Sustainable Finance Roundtable of Paraguay

The MFS is a platform of voluntary collaboration among banks thatpromotes economic and sustainable development, to face the risksand take advantage of the opportunities of sustainable challenges inParaguay.

Banks of the MFS have been working to implement three SectorGuides, Animal Husbandry, Agriculture and Industrial, to manage theSocial and Environmental risks .

Banco Regional is one of the first drivers of this platform

UN Global Compact

The United Nations Global Compact is a network that unites more than 9,800 companies and 3,300 organizations worldwide.

This initiative encourages businesses and organizations to adopt and promote sustainable and socially responsible practices.

Banco Regional was accepted on August 2019, as a participant of the United Nations Global Compact Initiative in Paraguay

Banco Regional shows transparency and financial

strength endorsed by international rating agencies

Rating Agency Score Trend Updated to

AA+py Sensible Apr-20

FC: Ba2/Not PrimeNegative Apr-20

LC:Ba2/Not prime

BB Stable Jan-20

17

Anticorruption Policy

18

Main topics that are addressed by the new Policy and Procedures

High Risk ThirdParties

Donations Hiring of employees

Investments, acquisitions and joint

ventures

Gifts and Hospitality

Sponsorship

ReportingTraining

Record Keeping

Anticorruption Policy and Procedures

Local regulations

Recommendations from the Wolfsberg Group

Recommendations from the UK Bribery Act

Recommendations from the United States “Foreign Corrupt Practices Act”

Came into force in June 2019

They are in line with:

Banco Regional has been awarded the first place in “Best practices of transparency and integrity in the private sector contest”

in the category of corporate enterprises. This contest was launched by the National Secretary of Anticorruption (SENAC) with the support of the United Nations Office on

Drugs and crime (UNODC).

The proposal of Banco Regional was focused on the development and implementation of the new Policy and Procedures of Anticorruption.

Banco Regional: A leading financial institution

March 2020

19

$2.755,84 $264,99 656

$1.974,92 14,10% 54,16%

1.792 0,05% 196,61%

$0,33 0,53% 47,16%

Assets

Loans(A)

TIER II (C)

Equity

Deposits + Sub. Bonds (B)

Net Profit

# Employees

ROEAnnualized

ROA NPLCoverage (E)

Efficiency (D)

Real Collaterals /Total loans

Amounts in US$ mm

(A) Includes Financial Sector - Does not included accrued interests(B) Deposits US$ Mn (C) Effective Equity / Risk-weighted assets and contingencies(D) Operating Expenses/ Operating Margin(E) Total NPL Coverage indicates (specific + Generic Provisions) / NPL

1.713,8

8,43%

10,85%13,20%14,94%

Among the main promoters of Paraguayan economy

20Total number of banks financial sector = 17 Agricultural Sector = Agricultural crops+ Agribusiness; Industries= Manufacturing industries; Consumer Goods= Housing + Consumption+ Personal Services; Other Sectors= Financial intermediation + Sale, maintanance and repair of vehicles + Other economic sectors

From its origin, Banco

Regional has been an ally to

the economic sectors that

boost the growth of our

country. Market Share

Loans to

Market Share

Loans to

Market Share

Loans toMarket Share

Loans to

Market Share


Market ShareMarket Share

Loans to

Market Share


Loans to

Banking System Ranking (Nº) & Market Share (%) - March 2020

22,37% 17,52%

6,38%5,66%

AGRICULTURAL SECTOR

Nº1

ANIMAL HUSBANDRY

Nº1

RETAIL AND WHOLESALE INDUSTRIES BUILDING

OTHER SECTORS SERVICES CONSUMER GOODS

LOANS

DEPOSITS

Nº2 Nº3 Nº3

Nº7Nº6Nº4

Nº2

Nº3

15,21%

10,97%

Ranking Position

90

7,01%

6Ranking Position

35Branches

7,13%6

Offering Omni-Channel Experience –

Total number of banks = 17(A): Main customers with at least one valid product

21

Market Share

Branches ATM

Social Media TAUSER

Market Share

Market Share

Active Customers (A)

ATM

TAS

March 2020

90.186Customers

3%81%

14%2%

Large Corporate

Retail

SME

Private

Financial Instit

Public Instit

100.768 9.652 6.906 followers followers followers

Ranking Position

52

20,08%1

Solid growth in a competitive market -

US$ mm(1) Includes financial sector. Does not include accrued interests(2) Does not include accrued interests

Mar-20 6.563,00 ₲

Mar-19 6.181,37 ₲

Exchange Rate

Assets

Deposits(2)

Loans(1)

Equity

22

$2

.60

7

$2

.61

7

$2

.92

6

$2

.68

6

$2

.75

6

13,75%12,55%

13,69%12,50% 12,61%

Dec-16 Dec-17 Dec-18 Dec-19 Mar-20

Assets (US$mm) %Market share - Assets

$1

.87

1

$1

.99

2

$2

.14

0

$2

.14

8

$1

.97

5

15,46% 15,28% 15,21% 14,83% 13,98%


Loans (US$mm) %Market share - Loans

$1

.73

7

$1

.65

9

$1

.80

6

$1

.71

6

$1

.71

4

12,82% 11,08%12,11% 11,15% 10,97%


Deposits %Market share - Deposits

$2

52

$2

81

$2

75

$2

69

$2

65

11,99% 11,80% 11,07% 10,39% 10,04%


Equity %Market share - Equity

March 2020

Evolution of Loan Portfolio -

Mar-20 6.563,00 ₲

Mar-19 6.181,37 ₲

Exchange Rate

Portfolio by Currency

Portfolio Distribution by Sector(*)

23

Loans by Segment

Total number of banks financial sector = 17 Agricultural Sector = Agricultural crops+ Agribusiness; Industries= Manufacturing industries; Consumer Goods= Housing + Consumption+ Personal Services; Other Sectors= Financial intermediation + Sale, maintanance and repair of vehicles + Other economic sectors

March 2020

37,58%

22,99%

7,60%

13,20%

1,95%

8,60%6,33%1,75% Agricultural sector

Retail and Wholesale

Industry

Animal husbandry

Services

Consumer Banking

Other economic sectors

Building

Mar-20

81,46%

12,14%

5,12%0,99%

0,19%

0,09%

Mar-20

Large CorporateSMEsRetailPrivateFinancial Inst.Public Inst.

Loans LC

36,06%

Loans FC

63,94%

A Strong Structure of Deposits –

Mar-20 6.563,00 ₲

Mar-19 6.181,37 ₲

Exchange Rate

Sight Deposits vs. Time DepositsDeposits by currency

24

Deposits by Segment

Sight Deposits48,01%

Time Deposits51,99%

Deposits LC

40,41%

Deposits FC

59,59%

24,32%13,63%

13,13%

31,55%

2,78%

14,59%Mar-20

March 2020

Large CorporateSMEsRetailPrivateFinancial Inst.Public Inst.

Portfolio breakdown by segment and currency

Loans LC Deposits LC

Loans FC Deposits FC

25

74%

12%

12%2%

71%

13%

14%2%

Dec-19

Mar-20

16%

15%

19%21%

27%

16%

15%

2%

20%

21%

26%

Dec-19

Mar-20

87%

12%

87%

12%

0,2%

0,3%

Dec-19

Mar-20

27%

12%

4%9%

39%

9% 30%

12%

3%9%

39%

7%

Dec-19

Mar-20

Large Corporate

SMEs

Financial Inst.

Retail

Private

Public Inst.

Tier I & Tier II Capital

* US$ mm

Mar-20 6.563,00 ₲

Mar-19 6.181,37 ₲

Exchange Rate

Evolution TIER l

Evolution TIER ll

26

257,22 287,30 286,52 220,52 237,91

13,82%14,63% 13,64%

12,70%13,48%


Minimum Required 8% (---)

Equity* TIER I

257,22 287,30 286,52 220,52 237,91

17,32% 17,70%15,99%

12,11%14,10%


Minimum Required 12% (---)

Equity* TIER II

Proper management of the portfolio

* US$ mm

Mar-20 6.563,00 ₲

Mar-19 6.181,37 ₲

Exchange Rate

General Loan Loss Reserves as % of NPL Real Collaterals as % of total loans

27

NPL

117,16%

120,73%

146,01%

339,81%

196,61%

120,38%

127,41%

126,71% 138,24% 120,83%


Regional Banking Sector

53,53%

48,79%47,01%

45,50%47,16%


2,18% 2,17%1,47% 1,52%

2,80%

2,80% 2,67%2,38% 2,45%

3,02%


% NPL Banco Regional % NPL (banking sector)

Efficiency ratio

50,06% 50,57%

49,46%46,42% 46,82%

48,17%46,31%

51,53%

55,81%

49,18% 49,01%54,16%

Dec-16 Dec-17 Dec-18 Nov-19 Dec-19 Mar-20

Banking Sector BR

Regional's Liquidity

Management

28

mar.-20298.872

-

50.000

100.000

150.000

200.000

250.000

300.000

350.000Required LCR LCR

20298.872

201.305.374

mar.-201.305.374

-

500.000

1.000.000

1.500.000

2.000.000

2.500.000Required LCR LCR

A solid structure of Funding

*FDA: Financial Development Agency (AFD)29

Gs. mm.

Evolution of Liquidity - Guaraníes

Evolution of Liquidity - Dollars

Stucture of funding

Usd k.

LCR= Liquidity Coverage Ratio

LCR.USD

……… millions

Mar-20

370,6

70,87% 68,80%

0,70% 3,16%

17,19% 17,22%

5,18% 4,86%

6,01% 5,96%

Mar-19 Mar-20

Local Loans (FDA*)

Other Liabilities

Foreign Loans

Subordinated and Financial Bonds

Deposits

External funding sources from renowned institutions

Correspondent Banks Multilateral Organizations

30

Purpose

Credit Lines Foreign loans

15%

1%3%

1%

29%

51%

Loans to agriculture and

agribusiness

Loans to SME's, women and

energy

Loans to agriculture, SME's and

portfolio growth

Loans to SME's

Portfolio Growth

Loans to SME's and women

75%

4%

14%

7%Trade Finance

Trade Finance con Europa

Trade Finance y Working Capital

Working Capital

Regional's

Corporate Governance

31

61,60%38,40%61,37%38,63%

Strong support from main shareholderRabobank’s ownership of Banco Regional has the following contributions:

Our strategic alliance with Rabobank implies:

1. Long-term partnership.

2. Two Board Members appointed by Rabobank.

3. Risk Manager appointed by Rabobank.

4. To appoint certain of our senior officers and to veto the appointment and/or removal of our Chief Executive

Officer and Chief Comptroller.

4. Rabo International Advisory Services (RIAS) provides technical assistance.

5. On the job training and study tours to several entities of the Rabobank Group.

Capital Stock Quantity of Votes

RabobankRabobank

Local

shareholdersLocal

shareholders

32

Corporate

Treasurer

Nelson Daniel Cibils

Highly experienced and strong management team

CEO

Eugenio Oze de Morvil

CFO

Oscar Godoy

21

5

10

Years with Banco Regional

23

23

24

Years in the financial sector

Correspondent

Banking & Foreign

Trade Manager

Rafaela Oleinik

General Counsel

Marcos Dalla Fontana

Head of Internal

Audit

(Chief Comptroller)

Juan Carlos Meza

Compliance

Manager

Antonio Gimenez

19

24

21

21

28

20

26

22Financial

Restructuring &

Recovery Manager

Mats Hernegard

Operational Risk

and Data Quality

Manager

Erika Werner

Large Corporate

Risk Manager

Jorge Sienkawiec

Retail, SME and

Medium Corporate

Risk Manager

Ricardo Nowosad

27

23

22

19

23

27

19

26

Organizational

Development

Manager

Bettina Agüero

Branches and

Business

Development Manager

Cynthia Sotelo

Corporate

Banking

Manager

Walter Duarte

Private Banking

Manager

Anahi Heisecke

23

3

27 16

20

23

2527

Operational

Manager

Diana Lafeld

19

19

IT

Manager

Georgina Baumgarten

26

28

33

Head of

Information Security

Adriana Paniagua

18

18 Risk

Manager

Daniel Van Det

0.2

20

Organigram Asamblea de

Accionistas

EXAMINERS

Deputy CEO

SECRETARY

Leticia Perez

CEO

Eugenio Oze de Morvil

Management

Committee

EXECUTIVE

CHAIRMAN

Raul Vera Bogado

Branches & Business Develop

mentManager

Cynthia Sotelo

ChiefFinancial

Oficer

Oscar Godoy

Large

Corporate

Risk

Manager

Jorge

Sienkawiec

Legal

Service

Manager

Marcos

Dalla

Fontana

Organizatio

nal Develop

ment

Manager

Bettina

Agüero

Internal

Audit

Manager

Antonio

Gimenez

Complian

ce

Manager

Juan C.

Meza

Operational

Risk

Manager

Erica

Werner

Administrati

ve Manager

Fabio

Sitzmann

Private

Banking

Manager

Anahí

Heisecke

Corporate

Banking

Manager

Walter

Duarte

IT

Manager

Georgina

Baumgarten

Operational

Manager

Diana

Lafeld

FT &

Correspon

dent

Manager

Rafaela

Oleinik

BOARD OF

DIRECTORS

Treasury

Manager

Daniel

Cibils

Recoveries

& Risk

Models

Manager

Mats

Hernegard

Medium

Corp., Retail

& SME

Risk

Manager

Ricardo

Nowosad

34

Audit Committee

ALCO Committee

Compliance Committee

HR Committee

Risk Committee

IIT Committee

Credits Committee

Strategic Planning Committee

SHAREHOLDERS

ASSEMBLY

Strategic

Planning

and PMO

Risk

Manager

Daniel Van

Det

Commercial Actions

Committee

Head of

Information

Security

Adriana

Paniagua

Head of

Share

holders

Services

Audit Committee

4 Members (4 directors)

Human Resources Committee


Compliance Committee


Assets and Liabilities Committee


IT Committee


Credit Committee Level II

10 Members (2 directors)Ban

co R

egi

on

al C

om

mit

tee

s

Risks Committee


Board of Directors and Trustees

Credit Committee Level III


Strategic Management Committee


Raúl Vera Bogado 26

Cornelis J. Beijer 30

Alfredo Raatz 20

Erik Heyl 37

Wolfgang Brönstrup 18

Years of experience

Financial Sector

Lourdes Müller Tischler 2

35

Roland Wolff 39

Irene Memmel de Matiauda 20

Daniel van Det 20

Francisco Yanagida 40

Adrian Lorenzutti 25

Mirian Raatz de Soley 10

Results

36

Results

US$ mm

37

Acum Acum.

Mar-19 Mar-20 2020

Net Interest Income 23,87 7,20 21,52

Other Incomes 8,80 2,58 9,25

Total Operating Expenses -19,05 -6,22 -18,15

Earnings Before Tax 13,61 3,56 12,62

Loan Loss Provisions -6,30 -3,39 -12,27

Income Tax -0,58 0,00 -0,02

Net Profits 6,73 0,16 0,33

Mar-20 6.563,00 ₲

Mar-19 6.181,37 ₲

Exchange Rate

*Other Incomes include: Charged fees, Gains from exchange operations, Extraordinary gains, Valuation Earnings (+) and adjustments of previous years

*Total Operating Expenses: Salaries, Administrative expenses, Depreciacions, Valuation Earnings (-) and Paid fees

Key Figures

38

Mar-19 Mar-20

NPL 1,40% 2,80%

General Loan Loss Reserves as % of NPL 155,08% 196,61%

Real Collaterals as % of total loans 46,37% 47,16%

ROE (Annualized) 11,04% 0,53%

ROA 1,06% 0,05%

Efficiency ratio 51,66% 54,16%

Income from services as % of HR Expenses 73,89% 72,78%

TIER I 13,16% 13,48%

TIER II 15,78% 14,10%

Return on ordinary shares 11,97% -2,57%

Return on preferred shares 12,00% 12,00%

LCR US$ mm 328,59 497,77

Total Loans as % of total Deposits 119,11% 115,24%

Asset

Quality

Profitability

& Efficiency

Capìtal

Shares

Liquidity

NPL = Non Performing LoansLCR= Liquidity Coverage Ratio

Composition of Capital

Strategic alliancewith Rabobank

T.C: 4.930 4.600 4.558 4.478 4.224 4.585 4.629 5.807 5.767 5 .590 5.961 6.453

* US$ mm

39

6.563,00

53,86

97,59 104,11 109,84

127,38 130,34

148,51 135,17

157,45

179,13 182,50 178,40 175,41

2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 Mar-20

Ordinary Capital Preferred Capital

21,72%

78,28%

% Capitalizacion Dividendos Ordinarios

34,04%

15,28

19,2116,64

31,4433,41 32,86

29,09

36,41

40,93

34,65

20,04

2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

Aditional Reserve acc. Note SB. SG. 470/2017Legal ReservesDistribution of Ordinary Dividends in cashDistribution of Preferred Dividends in cashCapitalization of Ordinary Dividends

22,40%

14,59%

28,97%

34,04%

Net Profits

T.C: 4.930 4.600 4.558 4.478 4.224 4.585 4.629 5.807 5.767 5.590 5.961

* US$ mm

% Capitalization

Ordinary dividends 70% 70% 100% 70% 91% 95% 93% 98% 70% 70% 70%

40

Thank you!

Documents

Institutional Presentation - cdn.regional.com.py · Institutional Presentation US$ mm 0. Permanent Innovation to become the bank of choice of the successful people, who are the leading