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Investor Presentaiton

Key financial metrics Strategy 2023 results Appendix Reported results, $m 2023 1023 2022 Alternative performance measures, $m 2023 1Q23 2022 NII Other Income Revenue ECL Costs Associate income 9,305 8,959 6,910 Constant currency NII 9,305 8,999 6,758 7,400 11,212 5,330 Constant currency other income 7,400 11,355 5,318 16,705 20,171 12,240 Constant currency revenue 16,705 20,354 12,076 (913) (7,871) (432) (7,586) (447) Constant currency ECL (913) (438) (442) (7,949) Constant currency costs (7,871) (7,644) (7,821) 850 733 Profit before tax 8,771 12,886 792 4,636 Constant currency associate income 850 717 754 Constant currency profit before tax 8,771 12,989 4,567 Tax (1,726) (1,860) 863 Profit after tax 7,045 11,026 5,499 PAOS excl. goodwill and other intangible impairment Return on average tangible equity (annualised), % 6,650 10,345 5,244 17.1 27.4 14.0 Profit attributable to ordinary shareholders ('PAOS') 6,639 10,327 5,211 Return on average equity (annualised), % 15.9 25.5 13.0 Basic EPS, $ 0.34 0.52 0.26 Diluted EPS, $ 0.34 0.52 0.26 Constant currency net loans and advances to customers, $bn Constant currency customer accounts, $bn 960 969 1,038 1,596 1,614 1,671 DPS (in respect of the period), $ 0.10 0.10 0.09 Cost efficiency ratio, % 47.1 37.6 64.8 Net interest margin (annualised), % 1.72 1.69 1.29 ECL charge as a % of average gross loans and advances to customers, annualised (including held-for-sale balances) 0.38 (0.35) 0.18 (0.17) 0.17 (0.17) Capital, leverage and liquidity4 2023 1023 2022 Risk-weighted assets, $bn 860 854 852 CET1 ratio, % 14.7 14.7 13.6 Reported balance sheet, $bn Total assets Total capital ratio (transitional), % 19.8 19.8 18.6 2023 1023 2022 Leverage ratio, % 5.8 5.8 5.5 3,041 2,990 2,970 High-quality liquid assets (liquidity value), $bn 631 635 676 Net loans and advances to customers 960 963 1,027 Liquidity coverage ratio, % 132 132 135 Customer accounts 1,596 1,604 1,651 Quarterly average interest-earning assets 2,172 2,153 2,149 Share count, m 2023 1023 2022 Reported loan/deposit ratio, % 60.1 60.1 62.2 Basic number of ordinary shares outstanding 19,534 19,736 19,819 Ordinary shareholders' equity ('NAV') 165 171 157 Tangible ordinary shareholders' equity ('TNAV') 153 159 146 NAV per share, $ Basic number of ordinary shares outstanding and dilutive potential ordinary shares 19,679 19,903 19,949 8.44 8.65 7.94 TNAV per share, $ 7.84 8.08 7.39 Quarterly average basic number of ordinary shares outstanding 19,662 19,724 19,884 22
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