HomeMost PopularGrupo Financiero Galicia: Synergy Between Traditional Banking And Digital Transformation

Grupo Financiero Galicia: Synergy Between Traditional Banking And Digital Transformation

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Thesis

Grupo Financiero Galicia (NASDAQ:GGAL) is among the largest conventional banks in Argentina. In addition to that, it’s the greatest positioned amongst its friends to capitalize on the continued digital banking transformation. The corporate covers all banking elements via itsNaranja X

Asset ratios: Property construction

Money/Whole Property

15 %

Loans (Internet Financing)/Whole Property

34 %

Central Financial institution Publicity/Whole Property

28 %

Authorities Publicity/Whole Property

12 %

Legal responsibility ratios: Capital construction

Deposits/ Whole Liabilities

69 %

Different liabilities/ Whole Liabilities

6 %

Firm bonds/ Whole Liabilities

2 %

Fairness/ Whole Liabilities + Fairness

17 %

Solvency ratios:

Loans (inc., Credit score Playing cards) /Deposits

49 %

Money/Deposits

18 %

Borrowings (inc. bonds)/ Whole Property

8 %

Asset ratios: Property construction

Money/Whole Property

11.2 %

Credit score Playing cards/Whole Property

14 %

Loans (ex., Bank cards)/Whole Property

24 %

Bonds/Whole Property

30 %

Legal responsibility ratios: Capital construction

Deposits/ Whole Liabilities

83 %

Different liabilities/ Whole Liabilities

15 %

Firm bonds/ Whole Liabilities

2 %

Fairness/ Whole Liabilities + Fairness

18 %

Solvency ratios:

Credit score Playing cards Receivables /Deposits

21 %

Loans (inc., Credit score Playing cards) /Deposits

61 %

Money/Deposits

18 %

Borrowings (inc. bonds)/ Whole Property

4.2 %

Capital (in thousands and thousands AR pesos):

Regulatory Capital

587,380

Tier 1 capital

442,495

Frequent fairness tier 1 (CET1)

411,495

Threat-Weighted Property

1,870,089

Basel III Ratios:

Regulatory capital ratio (Capital adequacy ratio)

31 %

Tier 1 ratio

23 %

CET1 ratio

21.9 %

ROE

15.5 %

RoTE

17.7 %

RoCET 1

19.0 %

ROA

3.9 %

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