FY 2021 BALANCED APPROACH BETWEEN INVESTMENT AND COST MANAGEMENT
APPENDIX 9 | ROBUST VOLUME GROWTH ACROSS THE BANK
Average Loans and BA's
($B)
2-Yr CAGR: 8.9%
Average Deposits
($B)
2-Yr CAGR: 12.5%
180.6
174.3
246.2
237.2
162.1
8.5
8.2
218.0
152.4
13.5
7.8
12.5
194.5
6.8
11.8
18.8
9.3
18.3
6.6
18.6
6.2
17.0
4.9
4.8
168.7
176.9
42.5
44.7
151.5
38.0
37.5
132.4
77.0
81.0
86.5
88.6
62.1
66.5
68.5
69.3
Q4 19
■ Personal Banking
Q4 20
(1)
■Financial Markets
Q3 21
Q4 21
Q4 19
Q4 20
Q3 21
Q4 21
■Retail Non-Retail
■Commercial Banking Wealth Management
■USSF&I
(2)
■ Other
CAGR
QoQ
YOY
(2-Yr)
QoQ
YOY
Avg Loan Growth
3.7%
11.4%
8.9%
Avg Deposit Growth
3.8%
13.0%
CAGR
(2-Yr)
12.5%
Personal Banking
2.5%
9.4%
7.3%
Retail
1.2%
4.2%
5.6%
Commercial Banking
5.1%
17.5%
9.2%
Non-Retail
4.9%
16.8%
15.6%
Wealth Management
5.2%
34.1%
16.6%
Financial Markets
2.7%
1.3%
5.4%
USSF&I
7.5%
14.0%
20.2%
(1) Corporate banking only.
(2) Average loans and receivables.
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