Investor Presentaiton
Dynamically Navigating Across Risk Dimensions
Key Measures Taken
Current Areas of Focus
Operational
Resilience
Seamlessly transitioned to 98%
working remotely
+
Returning our people to the office safely
in accordance with local guidelines
Liquidity
Risk
Prefunded for stress outflows;
close monitoring of revolver draws
+
Maintaining strong liquidity position while
prudently deploying excess
Market
Risk
Carefully managed positions and
directional risk
+
Continuing to invest in scenario analysis, stress
testing, risk capacity and limits framework
Strong upfront underwriting framework and
processes
+
Appropriately reserved with 3.7% ALLL to
gross loans as of 3Q20
Credit
Appropriate collateral and structural
protections
+
Tightened policy and moderated origination
of Consumer credit
Risk
Proactive client dialogues to manage
distressed situations; in-depth portfolio reviews
+ Heightened focus on impacted sectors
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