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AGROBANCO, RURAL DEVELOPMENT BANK

AGROBANCO, RURAL DEVELOPMENT BANK. Contents. - Strategic Planning - Participation and Portfolio Growth - Term of Placements - Growth of our Clients - Portfolio Quality - Potential Demand - National Coverage - Financial Products - Major Crops Financed - Financial Results - ANNEXES

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AGROBANCO, RURAL DEVELOPMENT BANK

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  1. AGROBANCO, RURAL DEVELOPMENT BANK

  2. Contents - Strategic Planning - Participation and Portfolio Growth - Term of Placements - Growth of our Clients - Portfolio Quality - Potential Demand - National Coverage - Financial Products - Major Crops Financed - Financial Results - ANNEXES - Human Resources and Business Managers - Other Services - Other Variables

  3. SectionOne StrategicPlanning

  4. Key Indicators WHAT ARE OUR ASPIRATIONS? ¨IN LINE WITH AGRICULTURE¨ STRATEGIC OBJECTIVE: ¨CAPITALIZATION OF THE AGRICULTURAL SECTOR¨ FacilitateSustainableIncomeGeneration Rural Development Bank

  5. Vision “To be an innovative Rural Development Bank with mixed shareholders, and a leader in financial services, supported by a high human performance and the use of state-of-the-art technology.”

  6. Mission “To provide financial products and services in promotion of rural savings and accompany the development of production, agricultural businesses and complementary activities in the rural areas, focused on the financial inclusion of people in poverty and/or other limitations.”

  7. SectionTwo Participation and Portfolio Growth

  8. Credits to the Agricultural Sector Source: SBS 2013 2,260,973 agriculturalunits (IV CENAGRO)

  9. Créditos al Sector Agrario Source: SBS 2013

  10. Distribution of Placements (in thousands of US$) +20% +20% +17% +16% +13% +16% Agriculture Industry Trade Logistics Other sectors Real estate The inter-annual growth of the placement balance in the agriculture sector was 21%, above other sectors

  11. Evolution of Placements

  12. Projected Placements Projection

  13. Evalution of Disbursements + 94% Year 2011 Year 2012 Year 2013 Year 2014

  14. SectionThree Term of Placements

  15. Distribution Portfolio Term IN MILLIONS OF US$ Year 2012 Year 2013 Year 2014 Short term Long term Medium term

  16. SectionFour Growth of ourClients

  17. New and Recurring Clients 23,887 32,867 87,908 62,534 Jan-2014 New clients Recurring clients

  18. SectionFive Portfolio Quality

  19. Late repayments: absolute values

  20. Late repayments: relative values

  21. Re-financed Portfolio Million $.

  22. High-risk Portfolio Million $.

  23. High-risk Portfolio / Provisions Million $ A January 2014

  24. Economic losses: penalties

  25. SectionSix PotentialDemand

  26. Potential Market • Productive Sub-Sectors • Total : 2,260 M Farming Units • Agricultural 321 M • Livestock 416 M • Forestry 4 M • Agricultural, livestock 1,169 M • Agricultural, forestry 15 M • Agric., livestock and forestry 333 M • Property and condition • Irrigation and basins • Energy supply • Altitudinal tiers • Wealth and Conditions • Total 38.7 M of ha • Agricultural 7.1M Ha • Livestock 18.0M Ha • Forestry 13.5 M Ha • Business Chain • Total : 7.1 M of ha • 1. Agricultural Surface in Use : 4.10M • - Self-consumption 0.70 M • Agroindustry 0.96 M • For sale 2.40 M • 2. Agricultural Surface in Development: 3.00 M Source IV CENAGRO 2012

  27. Number of points of sale (Dec. 13) AGROBANCO Potential Market Number of points of sale (Dec. 13) FinancialSystem 111 15 458 17 113 10 507 10 385 18 Source: National Agricultural Sector 2012 – INEI; SBS (2012)

  28. SectionSeven NationalCoverage

  29. National Coverage AGROBANCO Cities with greater restrictions Source: AGROBANCO (2014), INEI (20112

  30. SectionEight FinancialProducts

  31. Financial Services Investment capital products Working capital products Relationto rural areas

  32. Disbursement by Credit Product En Millones de $. 200 A December 2013

  33. SectionNine MajorCropsFinanced

  34. Main Crops 63% de la Cartera

  35. List of Disbursements MAIN CROPS

  36. Section Ten FinancialResults

  37. AGROBANCO Results Net Profit (thousands of US$/.) Income tax thousands of US$/.)

  38. Indicadores de Gestión

  39. International Rating INVESTMENT GRADE

  40. AGROBANCO Funding Own resources 42% Owed COFIDE 24% Owed IFI’s , BN, Citi 34% FUND MINAG (100%) 1st Floor $. 306.2 MM (98.0%) 2nd Floor $. 6.9 MM (2.0%) 1st Floor $. 66,9 MM (17.6%) Source: AGROBANCO, JAN-14 A total of $.359.6 MM of placements in the Agricultural Sector

  41. Global Capital Ratio

  42. Section Eleven ANNEXES

  43. Section Eleven HumanResources and Business Managers

  44. Human Resources

  45. Business Managers TYPE OF PERSON

  46. Business Managers GENDER

  47. Section Eleven OtherServices

  48. IIInternational Seminar on Rural Financial Services BREAKING PARADIGMS • Held on November 11 • Speakers: Peruvian and international professionals will share their experience in rural financial services for the agricultural sector. http://www.agrobanco.com.pe/index.php?id=ii-seminario-internacional&lang=es Objectives of the Seminar: • Contributing to a better understanding of the rural agricultural sector. • Promoting growth and development of a bank industry for the agricultural sector. • Placing financial services as factors for social inclusion, growth and development of the banking industry in the sector.

  49. Statistical Maps

  50. Non-Financial Serv. Platform

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