BPC IN BRIEF
ÍNDICE
1.
THE ANGOLAN ECONOMY
2.
EVOLUTION
3.
SHAREHOLDERS
4.
BPC MARKET RANKING
5.
FINANCIAL INDICATORES
6.
PROJECTS FINANCE
7.
GERMAN CORRESPONDENTS
OF THE
BANK SECTOR
1.
THE ANGOLAN ECONOMY
 A The fall in oil prices in late 2008 led to a
2009
2010
2011
2012 E 2013 E 2014 E
População
18,5
19,1
19,6
20,2
20,8
21,4
Crescimento Real do PIB
2,4%
3,4%
3,4%
10,5%
6,5%
6,4%
Angola seems to recover growth rates before the
Inflação
14,0%
15,3%
11,4%
12,4%
8,9%
6,5%
financial crisis
Balança Corrente % PIB
-11,3%
9,0%
10,4%
9,5%
7,9%
6,6%
 Net International Reserves (NIR) of the National
Dívida Publica % PIB
36,3%
35,0%
29,9%
22,2%
22,0%
21,9%
Exportação de Petróleo %PIB
40,7%
50,6%
62,9%
77,1%
76,2%
73,3%
Investimento % PIB
15,2%
12,7%
11,1%
12,9%
13,0%
13,4%
sharp slowdown in GDP growth. With the recovery
in prices and a tightening of public expenditure,
Bank of Angola (BNA) fell from USD 20 billion in
2008 to USD 12.6 billion in 2009, but recovered
to USD 25.9 billion in 2011
 The balance of the Current Account, which
Taxas de Inflação Acumuladas
20%
turned negative in 2009, recorded in 2011 a
15%
surplus of 10.4% of GDP
 The Consumer Price Index increased 11.4% in
15.3%
13.9%
11.4%
12.4%
10%
8.9%
2011, against 15.3% in 2010 and the exchange
rate against the U.S. dollar keeps relatively stable
6.5%
5%
0%
2009
Banco de Poupança e Crédito, SARL
2010
2011
2012 E
2013 E
2014 E
3
2.
EVOLUTION
OF THE
BANK SECTOR
 The Angolan banking sector is still relatively small but rapidly expanding:
• About 11% of the population is unbanked
• Deposits of banks represent about 20% of GDP
 The Central Bank requires high levels of capital (minimum of 10%, albeit
informally calls on banks to maintain about 17%)
 The Tier 1 ratio was 14.2% in 2010
 In Angola, operating Financial Institutions Banking 23, three public banks,
twelve private domestic banks, seven foreign bank branches and a private mixed
capital
 The five largest banks account for 77% of the total assets of the system
52.7%
57.3%
2,622
2,355
1,242
2009
Depositos (AOA bn)
•Source: Deloitte - Banking Analysis in 201
1,503
2010
Creditos (AOA bn)
Sigla
BESA
BAI
BFA
BPC
BIC
Nome
Banco Espírito Santo Angola
Banco Africano de Investmentos
Banco de Fomento de Angola
Banco de Poupança e Crédito
Banco Bic
Banco de Poupança e Crédito, SARL
Ano de Início
de actividade
2002
1997
1993
1976
2005
Activos
19,6%
18,1%
14,4%
13,8%
10,9%
4
3. SHAREHOLDERS
Ministry of Finance - 75%
 Nacional Institute of Social Securite- 15%
 Social Securite Pension of Angolan Armed Forces- 10%
Banco de Poupança e Crédito, SARL
5
4. BPC MARKET RANKING
 Strong Position in Angola
0.0%
Banks
BESA
5.0%Custumers
10.0% Deposits(Dez-11)
15.0%
20.0%
25.0%
BPC
20.0%
30.0%
Market
Share
1.4 M
6.1%
BIC
BFA
15.4%
15.7%
6.1M
BAI
10.3M
4,000
2.1M
9.4%
11.2%
6.0M
2,000
10.0%
Loans
(Dez-11)
7.3%
4.3M
-
0.0%
Bancos
BFA
2.8M
BIC
30.0%
Market
Share
6,000
8,000
10,000
26.4%
12,000
BAI
3.1M
BPC
13.7%
21.2%
4.7M
BESA
5.7M
-
Banco de Poupança e Crédito, SARL
2,000
4,000
25.2%
6,000
6
5. FINANCIAL INDICATORES
Principais Indicadores (em milhares de USD)
D ez-0 9
BAL AN Ç O
Activo Total
Activo Líquido
Crédito Total Líquido
Crédito Interno
Crédito e Juros Vencidos
Provisões Crédito Cobrança Duvidosa
Recursos Alheios
Depositos
Capitais Próprios
RE S U L T AD OS P OR F U N Ç ÃO
Margem Financeira
Margem Complementar
Produto Bancário
Custo Administrativo e de Comercialização
Cash Flow
Resultado antes de Impostos
Resultado Liquido
RE N T ABI L I D AD E
Rentabilidade do Activo (ROA)
Rentabilidade dos Capitais Próprios (ROE)
AD E QU AÇ ÃO D E C AP I T AL &
L I QU I D E Z
Rácio de Solvabilidade
Nivel de Endividamento
Rácio de Transformação (Crédito/Deposito)
Limite do Imobilizado
Rácio de Liquidez
QU AL I D AD E D O AC T I V O
Crédito Vencido/Crédito Total
Provisões de Crédito/Crédito Vencido
P ROD U T I V I D AD E E E F I C I Ê N C I A
Costo-to-Income
Produto Bancário/ Nº de Trabalhadores
VAB per Capita
Activo Liquido/Nº Trabalhadores
Nº Trabalhadores/Nº Agencias e Postos
Lucro Líquido por Balcão
F U N C I ON AM E N T O
Número de Clientes
Agencias e Postos de Atendimento
Nº Trabalhadores
D ez-1 0
D ez-1 1
M a r-1 2
D ez-1 1 / D ez-1 0
V a r. A b s o l u t a
D ez-1 1 / D ez-1 0
V a r. Rel a t i va
5.468.729
5.165.329
2.744.817
2.839.076
144.803
(239.062)
4.400.240
4.010.559
524.511
7.813.421
7.265.590
3.150.696
3.251.370
332.059
(432.733)
4.938.381
4.670.917
725.508
8.518.947
7.863.669
4.218.307
4.398.425
358.373
(538.491)
6.470.959
6.062.545
845.088
9.213.646
8.462.587
4.393.252
4.691.501
333.929
(632.178)
6.827.679
5.992.142
866.924
705.526
598.079
1.067.611
1.147.055
26.314
(105.758)
1.532.578
1.391.628
119.580
9,0%
8,2%
33,9%
35,3%
7,9%
24,4%
31,0%
29,8%
16,5%
385.148
148.917
534.065
212.322
321.743
140.365
140.365
490.173
232.094
722.267
231.869
490.398
208.021
186.943
620.929
217.439
838.368
273.990
564.378
212.413
139.544
152.513
50.375
202.888
60.460
142.428
40.450
24.118
130.756
(14.655)
116.101
42.121
73.980
4.392
(47.399)
26,7%
-6,3%
16,1%
18,2%
15,1%
2,1%
-25,4%
2,8%
34,7%
3,0%
29,9%
1,9%
18,0%
0,3%
2,8%
-1,1%
-11,9%
-36,7%
-39,8%
17,0%
8,2
68,4%
43,4%
170,3%
16,1%
7,0
67,5%
41,2%
183,6%
14,1%
7,9
69,6%
45,3%
149,1%
14,5%
7,6
73,3%
47,9%
157,7%
-2,0%
0,9
2,1%
4,1%
-34,5%
-12,4%
12,9%
3,2%
10,0%
-18,8%
5,3%
165,1%
10,5%
130,3%
8,5%
150,3%
7,6%
189,3%
-2,0%
19,9%
-19,4%
15,3%
39,8%
32,1%
32,7%
29,8%
0,6%
188,3
113,4
1.821,3
14,2
701,8
204,6
138,9
2.058,2
14,8
782,2
208,1
140,1
1.951,8
15,2
526,6
50,4
35,4
2.100,4
15,0
89,7
3,5
1,2
(106,5)
0,4
(255,6)
1,7%
0,8%
-5,2%
2,9%
-32,7%
27.035
26
499
2,1%
10,9%
14,1%
1.154.720
200
2.836
1.286.875
239
3.530
1.313.910
265
4.029
Banco de Poupança e Crédito, SARL
1.313.910
269
4.029
1,8%
7
5. FINANCIAL INDICATORES
Decomposition of Funding (Dec -11)
Operações
Cambiais
1%
Outras
Captações
2%
Outras
Obrigações
7%
95,1%
Evolution of customer deposits (in thousands of USD)
Recursos do
Interbancário
2%
6.063 M
Patrimonio
Liquido
11%
4.671 M
Depositos
77%
3.107 M
Decomposition of the Assets
3%
5%
4%
1%
4%
5%
2009
2010
2011
4 3%
5 3%
5 4%
14%
23%
19%
9%
4%
4%
13%
19%
24%
2009
Disponibilidades
Créditos
2010
Aplicações de Liquidez
Imobilizações
2011
Titulos e valores Mobiliários
Outros Activos
Banco de Poupança e Crédito, SARL
8
5. FINANCIAL INDICATORES
Evolution of Credit (in millionsUSD)
 The assets of the BPC grew, on average,
68,4%
15.4% in the last three years, reaching USD
67,5%
Crédito/Depósitos
69,6%
56,7%
7.9 billion
 The credit portfolio an increase of 22.6%
in the last three years reaching USD 4.2
4.2M
3.1M
2.7M
billion
 Net profit achieved in 2011 was $ 139.5
2009
million
 The efficiency ratio recorded in recent
2010
2011
Evolução dos Resultados (em milhões de USD)
years, a substantial improvement to stand at
838
32.7%
 The Regulatory Capital reached at the end
of 2011, USD 831.4 million, while the
Capital was valued at USD 332.4 million
 Return on Equity (ROE) was 18% and ROA
was set at 1.9%
1,000
621
564
538
720
800
490
274
217
600
400
488
140
271
232
230
185
D
200
D
-
Margem
Financeira
Margem
Complementar
Banco de Poupança e Crédito, SARL
Produto
Bancário
Custos
Administrativos
Cash Flow
Provisões
Resultado do
Exercício
9
6. THE PROJECTS FINANCED
BANKS
SECTORS
BHF
Oil, Health, Equipment & Machinery, Telecommunications,
Energy & Water, Infrastructures;T ransports, Roads
COMMERZBANK
Mining / Diamond, transformation and Manufacture,
Equipment &machinary, Infrastructure, Energy, whater ,Health
DEUTSCHE BANK
Health, Equipment & Machinery, Technology and
Informatics, Automotive, Retail, Infrastructures, Fisheries,
Communications, Media, Agriculture, Transport, Roads,
Energy and Water, Bridges, Services
Banco de Poupança e Crédito, SARL
10
7. GERMAN CORRESPONDENTS BANKS
Banco de Poupança e Crédito, SARL
11
8. CONTACTS
Banco de Poupança e Crédito
Largo Saydi Mingas
Caixa Postal 1343 . Luanda
Phone; + 244 222 639 000
República de Angol
www.bpc.ao
[email protected]
[email protected]
[email protected]
[email protected]
Banco de Poupança e Crédito, SARL
12