Commercial Bank Investment and Financial Highlights
Progress against our 5-year plan : Net profit further increases quarter on quarter
CB Consolidated
YTD Sept YTD Sept
2019
Var.: YTD
2019 vs
Var.: Q3
Var.: Q3
2019 vs
2019 vs
2018
Q1 2018 Q2 2018 | Q3 2018 | Q4 2018 Q1 2019
Q2 2019
Q3 2019
YTD 2018
Q2 2019 | Q3 2018
Operating Income
919
914
831
845
900
947
1,006
2,853
2,663
7.1%
Costs
311
309
272
281
278
274
272
824
892
7.6%
Operating Profit
608
604
559
564
622
673
734
2029
1,771
14.6%
Provisions
236
200
195
205
221
208
197
625
630
0.9%
6.3%
0.4% (0.2%)
9.0%
5.3% (1.0%)
21.1%
31.3%
Share of Associates
43
43
42
42
42
43
43
128
129
(0.5%)
Tax
11
(2)
2
(2)
12
6
11
28
10
Net Profit
405
450
405
404
431
503
570
1,504
1,260
(189.6%)
19.4%
0.3%
(87.0%) (539.8%)
2.8%
13.3%
40.9%
Lending Volume
92,789
87,195
85,815
84,642
Deposit Volume
79,306 75,116
75,323
71,786
85,161
81,597
84,834 89,095 89,095
76,901 74,294 74,294
85,815
75,323
3.8%
5.0%
3.8%
(1.4%)
(3.4%) (1.4%)
NIM
2.3%
2.3%
2.0%
C/I Ratio
33.9%
33.8%
32.7%
2.1%
33.2%
2.0%
30.9%
2.2%
28.9%
2.4%
27.1%
2.3%
2.2%
0.1%
0.2%
0.5%
28.9%
33.5%
4.6%
1.8%
5.7%
NPL Ratio
5.3%
5.4%
5.5%
5.6%
Coverage Ratio
86.4%
84.2%
83.6%
78.9%
5.6%
80.3%
4.9%
4.9%
4.9%
5.5%
0.6%
0.6%
97.0% 95.2%
95.2%
83.6%
11.6%
(1.8%)
11.6%
CET 1
9.3%
9.7%
9.7%
10.5%
10.9%
11.0%
11.0%
11.0%
9.7%
1.3%
1.3%
CAR
14.7%
14.5%
14.6%
15.5%
16.1%
16.3%
16.2%
16.2%
14.6%
1.6% (0.1%)
1.6%
ROAE
8.0%
9.2%
8.1%
7.8%
8.5%
9.8%
10.6%
9.4%
8.2%
1.3%
0.7%
2.5%
ROAA
1.1%
1.2%
1.1%
1.2%
1.2%
1.4%
1.6%
1.4%
1.2%
0.2%
0.2%
0.4%
COR (bps)
104
88
89
95
103
99
71
90
96
(5)
28
18
18View entire presentation