Investor Presentaiton
Global Banking and Markets
Net Income ($MM)
•
449
•
375
366
323
325
Q2/15 Q3/15 Q4/15 Q1/16 Q2/16
Average Loans² ($B) Net Interest Margin³ (%)
81 84
75
71 70
1.64 1.62 1.60 1.58 1.60
Q2/15 Q3/15 Q4/15 Q1/16 Q2/16
Q2/15 Q3/15 Q4/15 Q1/16 Q2/16
(1)
(2)
(3)
Attributable to equity holders of the Bank
Average Business & Government Loans & Acceptances
Corporate Banking only
12
•
•
•
Year-over-Year Highlights
Net Income down 28%
Higher PCLS
Lower contributions from equities
Revenue down 4%
Loans up 18%
PCLs up 49 bps, driven by a small
number of loans in energy
Expenses up 6%
.
Negative impact from FX translation
.
Higher salaries, technology and
regulatory costs
Higher PCLs and challenging
market conditions
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