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Banorte Investor Day. Commercial Banking. November 16, 2007. Contents. Commercial Overview Infrastructure Key Volume Indicators Key Performance Indicators Competitive advantages Process improvements Commercial Alliances. Contents. Commercial Overview Infrastructure

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Presentation Transcript
slide1

Banorte Investor Day

Commercial Banking

November 16, 2007

slide2

Contents

  • Commercial Overview
    • Infrastructure
    • Key Volume Indicators
    • Key Performance Indicators
  • Competitive advantages
    • Process improvements
    • Commercial Alliances
slide3

Contents

  • Commercial Overview
    • Infrastructure
    • Key Volume Indicators
    • Key Performance Indicators
  • Competitive advantages
    • Process improvements
    • Commercial Alliances
slide4

Commercial Overview

NORTE

NOROESTE

Branches

139

Branches

208

GDP

$79

$103

GDP

Population

11.6

Population

8.2

OCCIDENTE

Branches

115

CENTRO

GDP

$55

Branches

138

Population

12.2

GDP

$60

Population

14.4

MEXICO NORTE

Branches

127

MEXICO SUR

Branches

121

GDP

$96

Population

22.7

PENINSULAR

Branches

75

$50

GDP

Population

10.0

SUR

Branches

100

TOTAL SISTEMA

$41

GDP

Branches

1,023

Pop- Millions

Population

24.1

GDP

$67

GDP per capita – Thousands of pesos

Population

103.3

Footprint Coverage

September 2007

NORTHWEST

NORTH

OCCIDENTAL

CENTRAL

NORTH MEXICO CITY

SOUTH MEXICO CITY

SOUTH

TOTAL

slide5

Infrastructure

Branch Expansion Program

8%

6%

3%

Market

Share

14.1%

13.9%

14.3%

14.8%

slide6

Infrastructure

ATM Network

13%

15%

14%

Market

Share

14.5%

13.9%

12.9%

13.1%

slide7

Infrastructure

POS Terminals

25%

33%

40%

slide8

Infrastructure

Employees: Sales force

3%

3%

3%

Market

Share

12.0%

11.6%

12.0%

11.8%

slide9

Infrastructure

Millions of Customers

6.6

5.7

4.9

4.5

16%

11%

16%

16%

9%

10%

2005

2006

2007e

2008e

slide10

Key Metrics

Transactions in millions

#

%

Sep ‘07

Sep’06

Channel

% Var

%

Units

Units

%

Branches

100.8

27%

111.0

25%

10%

ATM\'s

155.7

42%

179.4

41%

15%

POS

21.6

6%

33.1

7%

53%

Internet

81.2

22%

102.3

23%

26%

Banortel

14.3

4%

17.1

4%

19%

Total

373.6

100%

442.9

100%

19%

slide11

Key Metrics

Average Monthly Sales

Products Per Branch

Product

Sep ‘06

Sep ‘07

%

Consumer

45

53

18%

Deposits

89

104

17%

Banc-assurance

37

43

16%

Total

170

200

18%

slide12

Key Metrics

Cross-selling index

Products Per Client

Cross-selling

Date

Index

Jun ’06

1.88

Dec ’06

1.99

Jun ’07

2.03

Dec ’07e

2.11

Dec ’08e

2.21

slide13

Total Deposits

14%

14%

17%

18%

12%

15%

Constant billion pesos

182

157

138

121

Time

Demand

slide14

Total Loans

72%

32%

28%

25%

27%

16%

30%

21%

Constant billion pesos

215

21.0

161

12.2

114.3

128

109

10.5

86.6

Government

(32%)

15.4

66.4

Commercial

52.4

79.6

62.2

51.6

Consumer

41.4

2005

2006

2007 E

2008 E

slide15

Service Fees

Constant billion pesos

5.9

5.1

4.4

3.8

15%

16%

16%

slide16

Contents

  • Commercial Overview
    • Infrastructure
    • Key Volume Indicators
    • Key Performance Indicators
  • Competitive advantages
    • Process improvements
    • Commercial Alliances
slide17

Competitive Advantage

[email protected]

Digital Credit Process

  • Use of digital files for electronic loan authorizations.
  • Benefits:
    • Faster response time in consumer loans.
    • Parametric credit analysis.
    • Uniform approval / rejection criteria.

Evaluation and Resolution

Entry of

customer’s information

Electronic Authorization

15 min

5 min

2 - 4 hrs

slide18

Competitive Advantage

Banorte Virtual

  • Off site loan origination capabilities:
    • Remote access to evaluation system
    • De facto mobile sales force.

Virtual Private Network

Inputs

Mobile Internet

Laptop

VPN

Center

Private Key

Safe password w/ dynamic token

Banorte’s Applications

slide19

Competitive Advantage

SIVS

Sales Force Supervision

  • Tracking of sales’ force metrics.
  • Planning, development & client retention tool.
  • Cross-selling tool.
  • Incentive based compensation schemes.
slide20

Alliance with Telecomm

  • Mexican Telegraph Company.
  • 1,559 agencies nationwide.
    • Provides services for un-banked communities:
      • Debit cash withdrawals, deposits and payments.
      • Entry level accounts: Banorte Fácil.
slide21

Service

2. Competitive advantages

Transactions

AVERAGE MONTHLY TRANSACTIONS

Deposits

Withdrawals

Check balances

Savings account openings

Total

140,948

62,904

8,940

1,288

214,080

slide22
Certain statements in this document are “forward-looking statements”. These statements are based on management’s current expectations and are subject to uncertainty and changes in circumstances. Actual results may differ materially from those included in these statements due to a variety of factors.
rentabilidad de sucursales
Rentabilidad de Sucursales

AVERAGE QUARTELY EARNINGS

2006

2007

Per Branch

1.5

1.9

$ millones de pesos corrientes

* Sucursales con menos de 2 años de antigüedad.

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