3. Sicredi presentation.pdf

8/17/2019 3. Sicredi presentation.pdf

1/23

Classificação da Informação: Uso IrrestritoClassificação da Informação: Uso Irrestrito

JOÃO TAVARESCFO

Banco Cooperativo Sicredi


2/23

Classificação da Informação: Uso Irrestrito

Brazil|Economic Outlook

Political Scene Economic Scenario

No alignment between theExecutive and Legislative branches

Low popularity of the government

Political discontinuity risk:

possible annulment of the 2014election

possible impeachment of thePresident

High public deficits

High inflation

Low confidence in the e

Recession

External sector might beto resume growth


3/23



Public Deficit (% GDP)

Difficulty to cut spending No political alignment for public

deficit solution Lack of structural reforms (e.g. Social

Security)

Recession affecting tax revenues

Consumer Inflation (%

Cut in energy subsidies (20 Currency devaluation Interest rate raised from 11 Interests should start to fall


4/23



GDP Growth (YoY)

Recession since mid 2014 Political uncertainty Cut in Public Spending and subsidies Tax raises High interests rates

Exchange rate (R$/US

US resuming interest rate g Slowdown in the Chinese e

than the anticipated High public deficit and de

Sources: Brazil Central Bank and IBGE


5/23Classificação da Informação: Uso Irrestrito


Export Sectors (GDP Growth, %)

Increased competitiveness throughcurrency devaluation

Brazilian Export Sectors (Mining andAgricultural) had the highest

productivity gains in the last 15 years

Trade Balance (USD b

Exports began to respond devaluated exchange rat

Import decreases due to trate and the economic do





Banking Concentration (Total Assets)

The Four largest banks in Brazil have69% of National Financial Systemassets

Delinquency Rate (Ov

The delinquency rate ha2015, but has moved lesshave been expected forBrazilian recession





Credit/GDP (%)

Despite the recession, the credit as aproportion of GDP advanced in 2015

However, the increase was smaller than in

recent years



with the same interests”

OCB: Organization of Brazilian Cooperative

“Collaboration is the association o



COOPERATIVISMO

(show off)

TIVISCOOPERA


10/23Classificação da Informação: Uso IrrestritoSource: WOCCU 2014 Statistical Report

Credit Cooperativism|World



Credit Cooperativism|Brazil

Source: ¹ OCB/2014; ² Credit Cooperatives + Cooperative Banks; ³ Central Bank: December/2015; 4 Central Bank: December/2014; 5 IBGE – July 2015.

RANKINGcompared to institutions

in the market²

#5 1,077credit cooperatives³

members/population53.7% as3.8%of deposits in thefinancial market4 3.1%of credit operations in the market4

MILLION8.4

cooperative members¹


14/23



15/23


NATIONWIDE REACH


16/23


REGIONAL


17/23


NATIONWIDE REACH REGIONAL


18/23

Classificação da Informação: Uso IrrestritoSource: Sicredi, Dashboard Direx (February 2015/2016); * Amounts in R$ (Combined Vision)

Sicredi|At a Glance

2015 2016February

3.19

TOTAL MEMBERS

(MM)

2.96

8.2NET WORTH*(R$ billion) 6.9

1,400POINTS OFSERVICE 1,341

18.0EMPLOYEES (000) 19.3

95SINGULARCOOPERATIVES 99

53.8ASSETS*(R$ billion) 47.5

COMPARISON CURRENT VISION

MT

MS

SC

RS

PR

SP

GO

T

PA

RO

Si di| When combining the states in which Sicredi is prese


19/23


Sicredi|Presence When combining the states in which Sicredi is prese region Unicred Central NNE caters to, we see tha reached a new level together...

SICREDI

PR

* Considering Pará, which state Sicredi and Unicred our present. Amazonas is part of Unicred’s reach, but no business presence yetSicredi + Unicred NNEStates in which Sicredi is currently not present (but are already within our reach)

SICREDI PRESENCE UNICREDCENTRAL NORTH/NORTHEAST

PRESENCE*

Si di|Ch l f diff t bli


20/23


Sicredi|Channels for different publics

Si di|P d t f diff t bli


21/23


Sicredi|Products for different publics


22/23


Obsession for an excellent experience

for members and employees


23/23


sicr

gen

fac

twit

PEOPLE

WHO

COOPERATEGROW.

Documents

3. Sicredi presentation.pdf