Investor Presentaiton
Financial Overview
Net Income
In R$ billion
3.8
5.2
7.1 7.1
6.7
5.6
Operating Profit
In R$ billion
6.6
5.2
69.2%
4.6 4.3
4.1
4.1
2.7
2.4
1.1
Gross Profit from Financial Intermediation
In R$ billion
447.2%
24.1
21.4 21.3
39.2%
19.2
4.0
4.0
16.9
15.2
14.2
12.4
10.9
0.7
T
T
2010 2011 2012 2013 2014 2015 2016
1H161H17
2010 2011 2012 2013 2014 2015 2016
1H16 1H17
2010 2011 2012 2013 2014 2015 2016
1H16 1H17
Net Interest Margin (%)¹
5.1 4.9
4.3
4.3 4.2 4.1
4.1 4.2
3.9
2010 2011 2012 2013 2014 2015 2016
1H16 1H17
1The ratio values have been reprocessed, ensuring the comparability between the periods.
Income from Services and Banking Fees
In R$ billion
22.5
20.7
18.4
12.5%
16.4
14.3
12.6
12.2
10.5
10.9
Efficiency Ratios (%)²
66.1
61.4 60.5
58.9
53.7 53.7
53.6
52.1
50.9
T
T
2010 2011 2012 2013 2014 2015 2016
1H16 1H17
2010 2011 2012 2013 2014 2015 2016
1H16 1H17
2Starting this period, the calculation formula of the Operating Efficiency Ratio was reviewed in order to allow a better comparison with the market, by excluding the operations of sales and transfers of assets. To calculate the ratio it was not considered the non recurring impact of
R$ 560 million of the PDVE (EVDP - Extraordinary voluntary dismissal program), registered in the first half of 2017.
Source: Caixa Econômica Federal
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