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BICBANCO - VI Banking Field Trip - Credit Suisse

  • 1.
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  • 12. " % % '" + ""
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  • 14. 6 , A ( * 9 : 4 3 - 9 !% 9 - & 9 - . - 9 - : ' : - , -D : - : , - : - : - : ,# 7 - : 3 - : " .8 !% : - & : - . - : - 4 ' 4 - , - 4 - 4 , - 4 - 4 - 4 - 4 3 - 4
  • 15. 2 5! < %' ' = 22 6 , A 9B = 22 4 ( = ! 3 : B + " % % 0 0 0 9 4$ & " F % - - (9B & % 0%+ 1 1 1 % % %" 0%+% ( B * ""% ' 0 ; 9B ( - - (C 9 (C * *C * C * C 9 C 9 C * *C 9 *C 4 (C : C 4 (C 4 Oct/07 C : *C : C : C (C C *C 36 % E "
  • 16. " 3$ % % B >- 0> 1 % E " ' % % (;( ( E " ' " % % ;*9 E " ' " % % (*; : 9 E " ' " % % *;:* > ( E " ' " % % *9;4 >- 3 % ' 4 ! > 0> 3 G 3 % % % 3 D "H 4; %' %,& ?" )8 + 3 G 5/ 9; #3 )8 +
  • 17. " 3$ % ! ! ? ! :;)B - "% *;)B - 8 ' 3 % ;(B - 3 & " (; B - % " ((; B - (; B - '" "" ( ;(B - & " ' ( ? .8 $ ? .8 !! ? .8 (; B - / %0 + " ( ;(B - , % (4; B - 3 % " "% % " & " I+ " " ( ; B -3 + ( ; B - + "" ((;)B - , + F % " & " " );9B - "% " '" % " (*;(B - 8 "" );)B - % = % D/ % " % % 8 % "J " " % 99;)B - ! + " % 9 ; B - !+ " % : ; B - !+ " %
  • 18. " 3$ % ( .8 > 9 . -8 > ; .8 > ( ( .8 > 0 ( ( ! .8 > 0 . -8 > 3 % ' 4
  • 19. ; ! ! % ! ( .8 .8 1 . -8 .8 .8 .8 .8 .8 .8 ( B ) B 1 -8 . -. 8 -. 8 0 8 . .8 0 .8 .8 1 .8 0 8 . B 4 B : B 1 8 -. 1 .8 1 .8 1 8 . .8 .8 .8 1 .8 1 8 . 9 B B * B .8 1 .8 .8 1 .8 0 .8 .8 1 .8 1 .8 1 .8 0 B ( B B 3 - 9 . - 9 , - : - : 3 - : . - : , - 4 - 4 3 - 4 @ 1! !1 ! $ > ( ! - 6
  • 20. (; B *; B ; B ; B ; B 3 - > ( " . - , - * - * 3 - * A; . - * , - " - 3 - B( . - , - 9 - 9 3 - 9 . - 9 " , - : - : 3 - : . - : , - 4 - 4 3 - 4
  • 21. " $ "" A; $ ( 6 , A ( . - 00 . ( 1. . ( . - 0 . 1 . -. - -. 1. . - 1. - . - . : -. 1 . 1 . 1-. 1 . 0 3 - 9 . - 9 , - : - : 3 - : . - : , - 4 - 4 3 - 4 E " " " " &" " % !& "
  • 22. 2 ! 6 , A 4 / . 0 -/0 -. : ,# 7 .8 -/ 0. 9 / 1 . 1 1 1- /0 . 1/ . / . * / -. / 1 . ( 3 - 9 . - 9 , - : - : 3 - : . - : , - 4 - 4 3 - 4 " ? = ; (
  • 23. " = 6 , A 9 / 1 . 0 / . ,# 7 .8 0 1/ 0. /0 . - * /1 . 0 / 1 . / . / 0 . 1 / - . ( 3 - 9 . - 9 , - : - : 3 - : . - : , - 4 - 4 3 - 4
  • 24. " = % ! ( : ; ( : 8 ; #( " = 8 &' " 9*;*B &"% % " 1 "" %2 );4B & " 9;)B ; 0 8 . *4;:B - > % * %" + (; B - *%( %" + ; B -!& ( (; B - 8 "% (9 " 0 " 3 % ' 4 3 % ' 4
  • 25. ; 6 , A (9 /1 . 1 1 /1 . 1 ,# 7 . -8 / 1. / -. ( 0 . 0 1 . 1 . - . 1 - . 1 9 3 - 9 . - 9 , - : - : 3 - : . - : , - 4 - 4 3 - 4 ; ( : 8 ; ; #( &"% % " 1 "" %2 (;:B 8 &' " :; B ; .8 0
  • 26. ; " >% ! ( : ( >% ! ( : ;:B - > % * %" + * ;)B - > % * %" + 9:; B - *%( %" + :(;*B - *%( %" + ;*B - !& ( 9; B - !& ( ;*B - 8 "% (9 " 0 " 3 % ' 4 3 % ' 4
  • 27. ( % ! ( : (*;4B - > % * %" + * ; B - *%( %" + 9(; B - !& ( ;4B - 8 "- % (9 " 0 " 6 , A 49 ,# -. 8 - . . 9 1. - . - . 1 . 1 - 0 . 9 . 1 0 . 11 3 - 9 . - 9 , - : - : 3 - : . - : , - 4 - 4 3 - 4
  • 28. ; ( ; ( 2 ( ( 9 ;:B - . " "16 2 % A * ; B -> %* %" + (; B - ' 0 "1 2 ;(B - *%( %" + ;(B - "" ' " % + % % , % *9; B - (%* " 4;)B - ! + % "" % *;(B - *%9 " ;:B - ! *;:B - 9%( " *;:B - 3 ' % '% 3 % ' 4 3 % ' 4
  • 29. ( 6 , A 4; /1 . :; -/0 1. ,# 7 - .8 -/ 1- . 9; /- -. / 1 . 0 ; 1/- . 1 1/ . / . - *; / . ; (; 3 - 9 . - 9 , - : - : 3 - : . - : , - 4 - 4 3 - 4 3 ! ! ' ; ( ! ( (
  • 30. ( = % ! ( : % ! : *4; B - > % * %" + 94; B - % % " % *; B - *%( %" + ( ; B - & " *:;4B - (%* " ( ; B - " %% " % ;(B - *%9 " ; B - " %% % &" " % 3 % ' 4 3 % ' 4
  • 31. ( ( % ! ( : % : 9 ;*B - ' 0 "1 2 ( ;9B - > % * %" + ; B - " *9;9B - *%( %" + );*B - ! * ;*B - (%* " ); B - 3 ' % '% ; B - *%9 " :;:B - . "" % ); B - 9%( " 3 % ' 4 3 % ' 4
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  • 33. 4( C 6 , A / 1 . 0 9; B ( (: ; B ( / . ( (9; B ( 0 . ( ; B -- . : - . 0 01 . 9; B ; B - 9 . - 9 - : . - : - 4 ! % 417 - 2 ; ' ; '' %' 172 % " ! %'
  • 34. & ' ! , ( % 2 $ 2 6 , A ( ; *9; B 1 . - ( ; ,# 7 0 8 . * ; B . D .8 0 . ( ; -. 8 1 9; B .8 0 .8 0 . ; 0 8 . . .8 ; B . - .8 .8 : ; (9; B -1 1 . ; ( ; B ; 9; B ; ; B * 9 : ), : ), 4 & ' ! ,4
  • 35. ( 6 , A 9 ; 0 . 1 1 . 1 . 0 1 ; 1 . 1 . - - 1 -. . . Financial Results -. * ; 45 ; ( ; ( ; 3 - 9 . - 9 , - : - : 3 - : . - : , - 4 - 4 3 - 4 ( 45 ( )" ! + > )" ! + 7 )" ! +
  • 36. 4 6 , A 9 ; 0 . 1 1 . ; 1 . 0 1 1 . 1 . - - 1 -. . -. . * ; 1 . . 0 . . - 0 . . ; . . -0. ( ; ; 3 - 9 . - 9 , - : - : 3 - : . - : , - 4 - 4 3 - 4 ( 45 )" ! + )" ! +
  • 37. 4 6 , A ( : ; B - .8 0 --. 8 --. 8 --. 8 *4 99; B 0 8 . - .8 ** --. 8 .8 9 ; B ) 9; B 9 .8 ; B ( *9; B (4 * ; B (* ) 9; B 9 ; B (? ? (? 9 ?9 (? : ?: (? 4 ), : ), 4 $ ( 45 4
  • 38. 2 . ' 4 %+6 % " " % E + - . " 6% % K% -; % %% + % ! % + %" % + +" L8 " & M; % 0 " %% "' % % % % + % + 0 % "G > 38 % H 1 % + . ' 42 % % H 1()% . + ' 42
  • 39. 3 ! ! "# $ $ %& ' $ ( & )* % + $ $ + % % $ $ $ $ + $ $ , ' + ' )
  • 40. ' $ 2 % 45 ( $ E ' 2 ' 2 ! ' 2 ( & ' , FG , ( ( H ' , ; : )D-- + 1> 4! : $ . I . !. E ( : 666. . !. A