Financial Health and Performance Overview
International Banking: CCA¹
FINANCIAL PERFORMANCE AND METRICS ($MM)
Reported (Constant FX) 2,3
Q2/23 Q1/23
Q2/22
Q/Q²
Y/Y²
20%
Revenue
$623
$603
$547
3%
14%
Central America
Expenses
$344
$350
$328
(2%)
5%
GEOGRAPHIC
DISTRIBUTION 7,8
REVENUE
65%
English
Caribbean
PTPP4,9
$279
$253
$219
10%
28%
$623MM
Provision for Credit Losses
$25
$37
$43
(32%)
(42%)
15%
Net Income Attributable to Equity
$172
$141
$99
22%
74%
Holders (NIAEH)
Dominican
Republic
Net Interest Margin⁹
6.00%
5.68%
5.02%
32 bps
98 bps
Return on Equity⁹
20.9%
16.5%
11.1%
441 bps
981 bps
13%
Productivity Ratio5
55.2%
57.8%
60.6%
(262 bps)
(544 bps)
Central
America
Risk Adjusted Margin 6,9
5.65%
5.19%
4.41%
46 bps
Effective Tax Rate
22.0%
22.3%
30.4%
(37 bps)
124 bps
(850 bps)
9%
NIAEH³
$172MM
78%
English
Caribbean
RETURN ON EQUITY (%)
54.1%
Dominican
Republic
26.1%
17.6%
7.9%
8.5%
10.4%
4.9%
2021
English Caribbean
6.0%
2022
Dominican Republic
6.8%
Q2/23
Central America
32%
Central
America
15%
Dominican
Republic
AVERAGE
EARNING ASSETS
$33Bn
54%
English
Caribbean
1 Figures excluding wealth management: 2 Current and prior period dollars, Y/Y and Q/Q growth rates (%) are on a constant dollar basis, while metrics and change in bps are on a reported basis; 3 Refer to non-
GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Second Quarter 2023 Report to Shareholders, available on http://www.sedar.com; 4 Pre-Tax, Pre-Provision Profit defined as
revenues less expenses; 5 Refer to page 54 of the Management's Discussion & Analysis in the Bank's Second Quarter 2023 Report to Shareholders, available on http://www.sedar.com, for an explanation of the
composition of the measure. Such explanation is incorporated by reference hereto; 6 Risk-Adjusted Margin calculated as (Net Interest Income less Provision for Credit Losses) / Average Core Earning Assets;
7 For the 3 months ended April 30, 2023; 8 May not add due to rounding; 9 See non-GAAP reconciliations beginning on slide 83
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