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
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