Investor Presentation Second Quarter 2018
WHOLESALE FUNDING UTILIZATION
Managing reliance on wholesale funding and growing deposits
WSF/TOTAL ASSETS
26.1%
25.9%
25.2%
25.1%
24.5%
24.6%
23.8% 23.7%
23.8%
REDUCING RELIANCE ON
WHOLESALE FUNDING
Targeting to be in line with peers
Reduced reliance on wholesale funding over the last two
years
ć Q1-Q2 saw a temporary increase to support business
line requirements and will revert to previous levels
ā Continuing to focus on deposits as an alternate to
wholesale funding
Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18
MONEY MARKET WSF/TOTAL WSF
41.5% 41.4%
39.9%
38.7%
38.3%
37.7%
37.5% 37.4% 36.8%
Q2/16 Q3/16 Q4/16 Q1/17 Q2/17 Q3/17 Q4/17 Q1/18 Q2/18
FOCUS ON TERM FUNDING
Reduce reliance on money market
funding
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