Americas Wholesale Banking Growth and M&A Advisory
International Banking
International Banking has a strong and diverse franchise with more than 10 million Retail, Corporate, and Commercial customers.
International Banking continues to offer significant potential for the Bank, with a geographical footprint encompassing the Pacific
Alliance countries of Mexico, Colombia, Peru and Chile as well as Central America and the Caribbean.
Business Mix
Business
Loans
54%
Financial Results
$MM
Q2/21
Y/Y²
Q/Q²
Asia
2%
Revenue
Mix¹
$2.4B
77% Latin
America
Credit
Cards 5%
Auto 2%
Loan Mix¹
$142B
12%
21%
C&CA
Personal
Loans
27%
Reported
Net Income³
420
+203%
+12%
Pre-Tax, Pre Provision Profit
1,084
(5%)
(4%)
Revenue
2,378
(6%)
(5%)
Adjusted Net Income³ ($MM) and NIMA (%)
Residential
Mortgages
Expenses
1,294
(6%)
(5%)
PCLS
396
(59%)
(22%)
Productivity Ratio
54.4%
+30 bps
(34 bps)
Net Interest Margin4
3.95%
(33 bps)
(8 bps)
4.28%
3.99%
3.97%
4.03%
3.95%
PCL Ratio5
PCL Ratio Impaired Loans5
118 bps
(160 bps)
(31 bps)
2.81%
+136 bps
+131 bps
398
429
283
197
53
Q2/20
Q3/20
Q4/20
Q1/21
Q2/21
Adjusted4
Net Income³
Pre-Tax, Pre Provision Profit
Expenses
PCLS
429
+165%
+11%
1,095
(8%)
(4%)
1,283
(4%)
(5%)
396
(59%)
(22%)
Medium-Term Financial Objectives
Net Income Growth
Productivity Ratio
53.9%
+146 bps
(30 bps)
Target6
9%+
Productivity Ratio
Operating Leverage
<50%
Positive
1 For the 3 months ended April 30, 2021; 2Y/Y and Q/Q growth rates (%) are on a constant dollars basis, while metrics and change in bps are on a reported basis; 3 Attributable to equity holders of the Bank; 4Net
Interest Margin is on a reported basis; 5 Provision for credit losses on certain assets - loans, acceptances and off-balance sheet exposures; 6 3-5 year target from 2020 Investor Day
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