Investor Presentaiton
Key credit trends
BANK LOAN LOSS PROVISION/(BENEFIT) FOR CREDIT LOSSES
$ MILLIONS
12.59%
233
169
80
¡Ï¡..
55
55
....
34
26
24
28
14
3
13
20
22
10
10.10%
CRITICIZED LOANS AS % OF TOTAL LOANS
7.23%
5.83%
3.98%
1.84%
2.15% 1.94%
1.54%
1.36%
1.18%
4.35%
3.27%
2.63%
(32)
FY 08 FY 09 FY 10 FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 FY 17 FY 18 FY 19 FY 20 FY 21 FYTD
22*
FY 09
FY 10 FY 11 FY 12 FY 13
FY 14
FY 15 FY 16 FY 17 FY 18 FY 19 FY 20 FY 21 2Q
FY22**
NONPERFORMING ASSETS AS % OF TOTAL ASSETS
2.48%
2.10%
BANK LOAN ALLOWANCE FOR CREDIT LOSSES
AS % OF TOTAL LOANS
1.64%
1.18%
0.99%
1.23%
0.66%
0.69%
0.50%
2.36%
2.23%
2.18%
1.81%
1.65%
1.52%
1.33% 1.32% 1.30%
1.11% 1.04% 1.04%
1.27% 1.17%
0.39%
0.21%
0.12% 0.18%
0.20%
0.27%
0.10%
FY 08 FY 09 FY 10 FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 FY 17 FY 18 FY 19 FY 20 FY 21
2Q
FY22**
FY 08 FY 09 FY 10 FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 FY 17 FY 18 FY 19 FY 20 FY 21 2Q
FY22**
62
Note: Charts not to scale. *FYTD 2022 includes first two quarters of fiscal year 2022. **2Q FY 2022 as of March 31, 2022.
RAYMOND JAMESView entire presentation