Investor Presentaiton
International Banking: CCA¹
FINANCIAL PERFORMANCE AND METRICS ($MM)
Reported
(Constant FX)2,3
Q1/23
Q4/22
Q1/22
Q/Q²
Y/Y2
19%
Revenue ($MM)
$597
$551
$525
8%
14%
Central America
Expenses ($MM)
$346
$339
$340
2%
2%
PTPP4 ($MM)
$252
$212
$185
18%
36%
GEOGRAPHIC DISTRIBUTION8,9
REVENUE
$597MM
66%
English
Caribbean
Net Income 5 ($MM)
$142
$108
$86
31%
65%
15%
Net Interest Margin³
5.68%
5.63%
4.88%
5 bps
80 bps
Dominican
Republic
Return on Equity³
16.5%
12.8%
9.2%
370 bps
730 bps
Productivity Ratio6
57.8%
61.5%
65.2%
(370 bps)
(740 bps)
10%
Risk Adjusted Margin
5.19%
5.02%
4.27%
17 bps
92 bps
Central
America
Effective Tax Rate
22.3%
19.9%
25.2%
240 bps
(290 bps)
RETURN ON EQUITY (%)
42.8%
NET INCOME 3,5
12% $142MM
Dominican
Republic
78%
English
Caribbean
26.1%
17.6%
10.9%
7.9%
8.5%
32%
Central
America
4.9%
2021
English Caribbean
1 Figures excluding wealth management
6.0%
2022
Dominican Republic
5.0%
Q1/23
- Central America
2 Current and prior period dollars, Y/Y and Q/Q growth rates (%) are on a constant dollar basis, while metrics and change in bps are on a reported basis
14%
Dominican
Republic
3 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's First Quarter 2023 Report to Shareholders, available on http://www.sedar.com
4 Pre-Tax, Pre-Provision Profit defined as revenues less expenses. See non-GAAP reconciliations beginning on slide 41
5 Attributable to equity holders of the Bank
AVERAGE
EARNING ASSETS
$32Bn
6 Refer to page 50 of the Management's Discussion & Analysis in the Bank's First Quarter 2023 Report to Shareholders, available on http://www.sedar.com, for an explanation of the composition of the
measure. Such explanation is incorporated by reference hereto
7 Risk-Adjusted Margin calculated as (Net Interest Income less Provision for Credit Losses) / Average Core Earning Assets. See non-GAAP reconciliations beginning on slide 41
8 For the 3 months ended January 31, 2023
9 May not add due to rounding
54%
English
Caribbean
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