Investor Presentaiton
Appendix
Key financial metrics.
Strategy
Results
Reported results, $m
4Q20
3Q20
4019
Balance sheet, $m
NII
Other Income
Revenue
ECL
6,619
6,450
7,654
Total assets
5,138
5,477
5,717
Net loans and advances to customers
11,757
11,927
13,371
Adjusted net loans and advances to customers
(1,174)
(785)
Costs
(9,864)
(8,041)
(733)
(17,053)
Customer accounts
Adjusted customer accounts
Associates
Profit before tax
Tax
Profit after tax
666
1,385
(27)
3,074
518
Average interest-earning assets
2,159,003
4020
2,984,164 2,955,935 2,715,152
1,037,987 1,041,340 1,036,743
1,037,987 1,074,491 1,062,696
1,642,780 1,568,714 1,439,115
1,642,780 1,614,877 1,470,207
2,141,454
3Q20
4019
1,945,596
(3,897)
(450)
(1,035)
(1,127)
Reported loans and advances to customers as % of customer
accounts
63.2
66.4
72.0
935
2,039
(5,024)
Total shareholders' equity
196,443
191,904
183,955
Profit attributable to ordinary shareholders
562
1,359
(5,509)
Tangible ordinary shareholders' equity
156,423
152,260
144,144
Profit attributable to ordinary shareholders excl.
751
1,109
1,882
Net asset value per ordinary share at period end, $
8.62
8.41
8.00
goodwill and other intangible impairment and PVIF
Basic earnings per share, $
0.03
0.07
(0.27)
Tangible net asset value per ordinary share at period end, $
7.75
7.55
7.13
Diluted earnings per share, $
0.03
0.07
(0.27)
Dividend per share (in respect of the period), $
0.15
-
Return on avg. tangible equity (annualised), %
1.9
2.9
5.2
Capital, leverage and liquidity
4020
3Q20
4Q19
Return on avg. equity (annualised), %
1.3
3.2
(13.3)
Risk-weighted assets, $bn
857.5
857.0
843.4
Net interest margin, %
1.22
1.20
1.56
CET1 ratio, %
15.9
15.6
14.7
Total capital ratio (transitional), %
21.5
21.2
20.4
Adjusted results, $m
4Q20
3Q20
4Q19
Leverage ratio, %
5.5
5.4
5.3
NII
6,620
6,590
7,751
Other Income
5,204
5,655
6,031
Revenue
ECL
Costs
11,824
12,245
13,782
High-quality liquid assets (liquidity value), $bn
Liquidity coverage ratio, %
677.9
654.2
601.4
139
147
150
(1,174)
(9,106)
(806)
(7,524)
(696)
(9,176)
Associates
666
450
Profit before tax
2,210
Cost efficiency ratio, %
77.0
4,365
61.4
546
4,456
Share count, m
4Q20
3Q20
4019
Basic number of ordinary shares outstanding
20,184
20,173
20,206
66.6
ECL as a % of average gross loans and advances to
Basic number of ordinary shares outstanding and dilutive
potential ordinary shares
20,272
20,227
20,280
0.44
0.29
0.26
customers
Average basic number of ordinary shares outstanding, QTD
20,179
20,166
20,433
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