Investor Presentaiton
▸ Increasingly diversified and low-cost funding base
Funding Breakdown | Ps$ Bn
Total Deposits Growth (Demand + Time)
160,000
150,000
140,000
130,000
120,000
110,000
100,000
90,000
Notes:
Cost of
20.0%
19.1%
funding
199.5
18.0%
16.3%
176.0
16.0%
7.6%
20%
14.0%
21%
Interbank Loans
5%
12.0%
(Primarily Development
10.5%
10.7%
7%
Bank Loans)
10.0%
42%
6.7%
Repos
6.2%
8.0%
39%
Time Deposits
6.0%
4.0%
Demand Deposits
4.0%
2.2%
2.0%
34%
33%
0.0%
2Q17
2Q18
2Q19
2Q18
2Q19
BanBajio
System
Total Deposits * | Million Pesos
CAGR '16-'2Q19: 13.8% System (") 6.8%
Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
2016
2017
2018 -2019
7.0%
Cost of Total Funding | %
(3)
June 19: System 5.3%
(4)
7.9%
8.5%
5.7%
4.3%
4.7%
2Q17
2Q18
2Q19
(2)
Cost of Funding
Avg. TIIE
1. Total Banca Multiple consolidated figures June 19.
2. Interest expense divided by total funding (deposits, interbank loans, repos).
3. Includes repos, derivatives, and changes in adjustment to financial asset hedging valuation.
4. Annualized.
Source: Company information, CNBV
*Includes Repos.
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