COMPANY PRESENTATION

FEBRUARY 2019

L e a r nThe only sustainable competitive

advantage over time is the speed

at which companies learn.

Large companies don't beat small companies.

Small companies don't beat large companies.

Fast companies beat the slow.

A FINANCE AND TECH GROUP DEVELOPING AGILE, SIMPLE AND INNOVATIVE SOLUTIONS TO MAKE OUR CLIENTS HAPPY.

ABOUT US

OUR VISION

TO BE RECOGNIZED AS A L E A D I N G F I N A N C I A L G R O U P I N T E R M S O F INNOVATION AND SERVICE.

113,1

50,6

2018 - USD MM

2018 - USD MM$51,9

$50,6

2018

$113,1

2018

$95,1

$101,4

$134,9

BIND GROUP

29,6 51,9

NET INCOME

BIND Inversiones - IVSA

BIND Inversiones - IAM

BIND Seguros

Credicuotas

Tienda Jubilo

BIND Banco Industrial

4,5

0,2

2,3

0,5

18,5

26

8,2

0,8

3,5

1,3

15,8

2017

6,7

1,2

2,7

8

0,5

32,6

2018 2016

8,4

0,9

3,7

3,1

85,3

101,4

9

1,4

5,3

11,4

1,8

104,5

134,9

2018 2019 e

4,9

0,9

2

8,3

2,2

88,9

Total

EQUITY

BIND Inversiones - IVSA

BIND Inversiones - IAM

BIND Seguros

Credicuotas

Tienda Jubilo

BIND Banco Industrial

2015

5,2

0,4

2,6

2,2

84,7

Poincenot 0,8 0,3Poincenot

95,1Total

Millions USD Millions USD

2015 20162017

GRUPO BIND5,1

6,1

1,0

1,9

9,3

3,6

116,9

0,9

1,61,2GRUPO BIND

113,1 141,3

2,9

0,7

1,9

4,4

1,8

35,2

50,6

0,30,2

3,4

3,2

0,6

1,4

3,0

1,4

38,0

48,5

0,4

0,50

2019 e

EVOLUTION BOOK VALUE

100%

300%

500%

700%

900%

1100%

1300%

dic

-11

dic

-12

dic

-13

dic

-14

dic

-15

dic

-16

dic

-17

dic

-18

Source: book value bloomberg

Bind Founder

91 YEARS OF HISTORY

Perseverance is often more important than talent, even intelligence.Because not all who are intelligent succeed in this world. Persistent people always do. Because faith, thath faith can move mountains is our daily encouragement to succeed.

“COMPANIES IN THE GROUP

1928

2013 2014

BR

AN

D E

VO

LUT

ION

OF

TH

E B

AN

K

2002

1997

1996

1971

2003

Banco de Azul

Banco Velox

2010 20182017201620122006 2019

EQUITY DISTRIBUTION

CED99%

70%30%3% 47,4%49,6% 2%98% 6,79%93,21% 95% 5% 5% 95% 96,5%80% 51%

47%

4%

20%49%

3,5%

1%

FFNOM

AM

47,43,0

50,4

AM (DIRECT VOTE) AM (TRUSTEE NOM VOTE)

TOTAL AM

49,6 49,6

3,0

CED (DIRECT VOTE) TOTAL CED

TRUSTEE NOM (ECONOMIC RIGHTS)

BIND CORPORATE CONTROL STRUCTURE

85%

15%

P R E S I D E N T

V I C EP R E S I D E N T

BOARD

G E N E R A LM A N A G E R

MANAGEMENT

GastónEckelhart

Carlota Durst de Meta

AndrésMeta

D I R E C T O R

SalvadorPristera

D I R E C T O R

José C. DeLos Santos

D I R E C T O R

AndrésPrida

D I R E C T O R

LeonardoDillenberger

BANCA MINORISTAAriel SaliturriBANCA EMPRESAAlejandro Coscia

NEGOCIOS INTERNACIONALESGerardo Guastavino

BANCA FINANZAS YMERC. CAPITALESJavier Popowsky

BANCA ZAFIROKarina Yankilevich

Bernardo Landa

AUDITORÍA INTERNAEugenia Blanco

INFRAESTRUCTURA SEGURIDADY APROV. ESTRATÉGICO

Gastón Eckelhart

LEGALESAdrián BressaniCONTROL GESTIÓN Y RIESGOSINTEGRALESPablo Prieto

RIESGOS INTEGRALESFlorencia Balducci

SEGURIDAD DE LA INFORMACIÓNMarcelo PrilucasADMINISTRACIÓN

Hernán Lede

CRÉDITOS Y NEGOCIOSPablo Dautesfeld

PREV. LAVADO DE DINEROJuan Pablo Cabrera

Facundo Vázquez

OPERACIONESCelina RanzenhoferTECNOLOGÍA Y SISTEMASInti BenitesPRODUCTOSRosario Flores VidalMARKETINGSebastián UchitelRSE / ATENCIÓN AL CLIENTEMaría Laura VisuaraGDH

BOARD MEMBERS

AugustoFernandez

Villa

JulietaSullivan

SebastiánHabif

EzequielWeisstaub

RamónMenalled

FacundoVazquez

CarolinaSullivan

AlejandroCoscia

EMPRESAS

ArielSalituri

MINORISTA

MarioLópez

DIGITAL

JavierPopowsky

FINANZAS

CEOAndrés Meta

COOFacundo Vazquez

CSOLeonardo Dillenberguer

CFOGastón Eckelhart

CONSUMER BANKINGBUSINESS BANKING CORPORATE BANKING

COMMERCIAL STRATEGY - BIND BANCO INDUSTRIAL 3 BUSINESS UNITS

Focused on helping achieving working capital needs.

Leading position in Factoring - with a market share of 3,5%.

Has 2.300 direct customers and over 50.000 indirect SMEs customers.

Loans & funding to SMEs amounts AR$5.200 mm y AR $2.000 mm, respectively.

Market leader in pension payment services.

Serving over 390.000 pensioners, with a monthly flow over AR $3100 mm.

Personal Loans up to AR $3.400 mm (approximately 152.500 transactions).

Retail short-term deposits amounts AR $4.800 mm .

Focused on trading of bonds and foreign currency.

Ranked in the top 20 in foreign currency and government bonds trades.

“Investment grade” Risk Rating allows us to attract institutional investors deposits, for about .AR $13.700 mm

D I G I TA L B A N K I N G

HEADCOUNT BIND GROUP

1%9

7%54

82%659

2%17

3%21

2%16

1%9

IAM

2%17

IVSA

51%

Average Age

43413

49%

Average Age

38389

802

BRANCH NETWORK

Buenos Aires

26CABA

3Córdoba

2Mendoza

1Salta

1Tucumán

2Santa Fe

1

TOTAL: 36

REGIONAL PRESENCE

Branches

36Total

36ATM´S

70

By constantly improving our core management system, we have achieved the highest local rating.

fitch ratings has raised banco industrial long-term rating from “a” to “a+”. also, it reconfirmed “a1” as short-term rating, while the outlook improves towards positive.

Denotes a very strong credit capacity relative to other issuers or issues in the same country.

Indicates the strongest capacity for timely payment of financial commitments relative to other issuers or issues in the same country.

BANK RANKING

L O N G T E R M S H O R T T E R M

A+ A1

TRADE SERVICES & TRADE FINANCE

CROSS BORDER LINES PARTNERSHIP

+ 20% CREDITLINES

90% UTLRATIO!!!

2017 VS 2018

+ 15.000 TICKETSPROCESSED!!!

Best MULC Ranking#15 *

Imports Volume

Total Volume Amt.USD 3bn Aprx.

* Between 50 local financial institutions (Source BCRA)

USD21 M

USD4 M

USD15 M

USD6 M

USD8 M

USD65 M

USD7 M

NEW!

API BANKThe financial system of the future is open, agile and collaborative.

Our platform has been designed to work collaboratively with organizations, developers, fintech and startups.

We are the first Bank in Argentina to connect a corporate client with open-APIs.

apibank.bind.com.ar

275

4

6

$

CLIENT'S INFORMATIC

SYSTEM

PAYMENTS COLLECTIONS1

BIND ACCOUNT COLLECTOR

API TRANSFER API CONCILIATION API DEBIT

DÉBITOINMEDIATE TRANSFER CUSTOMERSSUPPLIERS

Transfers, collections, and conciliations leveraging technology without human

intervention, thus achieving relevant operational and cost efficiencies.

apibank.bind.com.ar

BANK ACCOUNT SUPPLIER

BANK ACCOUNT CLIENT

3

bindINNOVA

BIND INNOVAAnnual Co-Innovation Program.

On our first edition (2017) we’ve worked collaboratively with fintech and startups to develop and market new digital financial products.

The second edition (2018) was aimed at bringing operational and process efficiencies, reason why we’ve invited both top-consulting

firms and tech-based process automatization startups to participate on the Program.

innova.bind.com.ar

DIGITAL ACCELERATION

Medium / long term

Semi-defined scope

Adopts new technologies

Time to market

Learn and observe

Triggers and fosters a cultural change

FINANCIAL MARKET

Technology and data start-up that provides direct loans to small and medium-sized enterprises using a financial system featuring digital innovation.

INNOVATION IN DESIGN AND USER EXPERIENCE.

We have invested in local and international fintech startups.

We founded and invested in ArFintech, the first venture fund formed by banks to invest in local fintech, thus promoting the collaboration

and development of the financial ecosystem.

BIND VENTURES

CUSTOMER EXPERIENCE

First Bank in Latin America to integrate with Starbucks :)

NEW SPACE. COFFEE AND BANKING.

INNOVATION TO COMMUNICATE

WE SUPPORT MORE THAN 150 INSTITUTIONS.

CORPORATE SOCIAL RESPONSIBILITY

OUR BUSINESS UNITS

I N D U S T R I A L A S S E T M A N A G E M E N T

IAM MUTUAL FUNDS

A Simple way of investing,minimizing risks.

Fondo IAMAhorro Pesos

Fondo IAMAbierto PyMes

Fondo IAMRenta Variable

Fondo IAMRenta Crecimiento

MercadoFondos

Fondo IAMPerformance

Fondo IAMRenta Plus

Fondo IAMRenta Dólares

Fondo IAMRenta Capital

Fondo IAM Estrategia

Mercado Fondos

ABOUT MercadoPago’s new investment feature

• MercadoPago (MercadoLibre’s mobile wallet) has recently launched a new feature that allows users to invest their money thru the app, thus facilitating and democratizing access to investment and financial products in Latin America

• The initiative was kick-started in Argentina together with Grupo BIND

• The Mutual Fund is managed by BIND Inversiones

• Product and technology development co-developed with Grupo BIND

• BIND Banco Industrial • Poincenot Fintech Studio • BIND Inversiones

• As of to date: • +AR$ 3.2 billion suscribed • +178.000 investors

Key Figures

5o 5o positionin ByMA Fixed IncomeRanking (Senebi),2˚ Half 2018.

4o 4o positionin Rofex Ranking,DEC 18.

I N D U S T R I A L V A L O R E S

CO-COLOCADOR

ON CRESUDSERIE XXIII

VNU$S 113,158,632

Febrero 2018

CO-COLOCADOR

OBLIGACIÓN NEGOCIABLESERIE III Y IV

VN$ 300,000,000

Febrero 2018

ORGANIZADORCOLOCADOR

CALOR DE CORTOPLAZO CLASE I

VN$ 250,000,000

Marzo 2018

CO-COLOCADOR

LETRAS DEL TESOROMUNICIPALIDAD

DE CÓRDOBA SERIE XXIX

VN$ 350,000,000

Marzo 2018

CO-COLOCADOR

FIDEICOMISO FINANCIEROELEBAR XXIII

VN$ 100,697,725

Abril 2018

CO-COLOCADOR

OBLIGACIÓN NEGOCIABLECLASE 3 Y 4

VN$ 229,725,712VNU$S 12,814,826

Abril 2018

CO-COLOCADOR

FIDEICOMISO FINANCIEROSENSEI SERIE V

VN$ 89,879,683

Junio 2018

ORGANIZADORCOLOCADOR

PLAZO DE CORTO PLAZOCLASE II U$S

VNU$S 15,000,000

Mayo 2018

BRIDGE+UNDERWRITERCO-COLOCADOR

FIDEICOMISO FINANCIEROUNICRED FACTORING X

VN$ 182.900.000

Mayo 2018

COLOCADOR

FIDEICOMISO FINANCIEROMONI MOBILE I

VN$ 77,020,000

Junio 2018

COLOCADOR

FIDEICOMISO FINANCIERODECREDITOS XIV

VN$ 143,901,251

Julio 2018

BRIDGE+UNDERWRITERCOLOCADOR

FIDEICOMISO FINANCIEROCARFACIL III

VN$ 67,452,350

Agosto 2018

CO-COLOCADOR

FIDEICOMISO FINANCIEROCGM XXXIII

VN$ 174,432,800

Agosto 2018

COLOCADOR

ON ROGIRO ACEROSSERIE XIV

VN$ 100,000,000DESIERTA

Septiembre 2018

ORGANIZADORCOLOCADOR

FIDEICOMISO FINANCIEROCREDICUOTAS V

VN$ 342,484,386

Diciembre 2018

CO-COLOCADOR

OBLIGACIÓN NEGOCIABLESERIE XV Y XVI

VN$ 354.910.600

Marzo 2018

CAPITAL MARKETCREDENTIALS 2018

We reached the 100.000 policies sold.

We administer $250.000.000 in annual insurance premiums.

We invest in #ComparaOnline to join the technological challenges.

Our purpose is to facilitate credit to Small and Medium Enterprises (SMEs)

2004

$500 millons

$3.702

1142

Founded by Caja de Valores and approved by SEPyMEyDR. Its original name was Garantía de Valores SGR

Approved Risk Fund

Guarantees granted since 2004

Total of participating partners

17

B1

Aa3.ar

2018

Employees

Moody’s - global scale

Moody’s - local scale, stable perspective

Grupo BIND acquires “Garantía de Valores SGR”2% Default rate

A Preferred A Guarantee for financial institutions.

Targeted at companies

Up to $2.000.000 (*)

Financing of up to 100% of the value of the good (*)

Term of 36 months + Option to purchase

UVA rate + 9,9%

Structuring fee of 2,5 % of the value of

Productive goods (vehicles, transportation,

the contract

machinery, technology equipment, etc.)

(*) subject to credit approval by Banco Industrial S.A.

FIRST ONES TO OFFER UVA LEASING

F E AT U R E S

UVA= Purchasing Value Units

We have nearly 30 thousand fans on our Fan Page.

We recently launched credicuotas express for web and mobile.

We issued more than 0,5 billion dollar in personal loans.

We issued more than 25 million dollars in personal loans

We received more than 383.000 visits on our website,

We have more than 100.000 active clients.

through our web.

www.credicuotas.com.ar.

Discover the privacy of aworld created just for you

Financial solutions and expert advice to consolidate and care

.for your assets.

OUR FIGURES

LIQUID ASSETS / TOTAL DEPOSITS

Source BCRA

60,0%

50,0%

40,0%

30,0%

20,0%

10,0%

0,0%

42,9%40,6%

31,3%

26,3%

44,1%

34,1%

20,0%18,3% 17,5%

38,2%40,1%

53,9%

45,6%

34,3%

NET LOANS (1) / DEPOSITS

Source BCRA(1) Incluiding Leasing and excluiding loans to the non-financial public sector.

120,0%

100,0%

80,0%

60,0%

40,0%

20,0%

0,0%

69,2%79,2%

90,7%98,0%

77,4%

90,5%

101,2%102,6%

96,0%

77,7% 72,8%

63,8% 66,7%77,4%

20172018 2017

THE BANK HAS A CONSERVATIVE POLICY IN TERMS OFLIQUIDITY, PROVISION AND CAPITAL LEVELS

78,3%

46,1%

2018

70,0%

80,0%

EQUITY / TOTAL ASSETS

14,0%

12,0%

10,0%

8,0%

6,0%

4,0%

2,0%

0,0%

9,3% 9,0% 8,8%

9,9%

12,3%12,6%

11,9%

10,7%10,9%

10,1%10,8%

9,3%

10,6% 10,6% 10,6%

CAPITALIZATION (- RPC – COMPUTABLE EQUITY - / RISK – WEIGHTED ASSETS)

20,0%

15,0%

10,0%

5,0%

0,0%

14,3%

19,7%

15,9%16,2%

17,1%18,6%

16,1%15,1%

14,1%

8,1%

14,1% 14,1%

11,4%

17,5%

20172017

THE BANK HAS A CONSERVATIVE POLICY IN TERMS OFLIQUIDITY, PROVISION AND CAPITAL LEVELS

9,2%

2018 2018

Source BCRA Source BIND Banco Industrial

GIVEN THE NATURE OF OUR PRODUCTS AND FUNDING BASE,OUR MARGINS REMAIN AT VERY GOOD LEVELS...

FINANCIAL MARGIN

Source BCRA / Financial Statements

14,0%

16,0%

12,0%

10,0%

8,0%

6,0%

4,0%

2,0%

0,0%

9,2%

7,6%

5,8%

12,1%

5,0%

10,6%

11,9%

12,9%

10,3%9,7%

12,7%12,1%

12,0%

13,3%

NET INTEREST SPREAD

Source BCRA and Financial Statements. Note: Calculated as the difference between assets yield and the cost of liabilities.

16,0%

14,0%

12,0%

10,0%

8,0%

6,0%

4,0%

2,0%

0,0%

12,1%12,6%

11,5%

14,5%

8,0%

13,3%

9,7%

10,9%

12,8%

8,9%

11,8%

11,3%

12,2%

8,3%

20172017

13,6%

20182018

12,0%

GIVEN THE NATURE OF OUR PRODUCTS AND FUNDING BASE,OUR MARGINS REMAIN AT VERY GOOD LEVELS...

ASSETS YIELD

Source BCRA and Financial Statements (Financial Income / Average Assets)

30,0%

25,0%

20,0%

15,0%

10%

5,0%

0,0%

11,8% 11,5% 11,0%

20,4%19,6% 18,4%

17,5%

20,3%23,5%

22,01% 22,01%

11,1%

20,4%

24,0%

2017

27,1%

2018

COST OF LIABILITIES

Source BCRA and Financial Statements (Financial Expenditure / Average Liabilities).

18,0%

16,0%

14,0%

12,0%

10,0%

8,0%

6,0%

4,0%

2,0%

0,0%

2,8%

4,3%5,7%

9,3%

6,6%

8,7%

7,9% 9,5%

16,0%

14,6%

13,7%

6,6%

9,3%

9,8%

2017

15,1%

2018

ROE in USD

Source: BCRA adjust by oficial spot (com A 3500)

-10,0%

0,0%

10,0%

20,0%

30,0%

-20,0%

-30,0%

-40,0%2016 2017 2018 (oct)

ROE in ARS

Source: BCRA

60,0%

50,0%

40,0%

30,0%

20,0%

10,0%

0,0%

70,0%

80,0%

90,0%

2016 2017 2018 (oct)

ROE

Dec 18 - Dec 18 -

HAPPY BANKING AND FINANCIAL SERVICES.