Investor Presentaiton
Proven Historical Net Interest Income and Loan Growth
Peer Leading Net Interest Income Growth ($'000)
3.46%
3.25%
3.52%
3.71%
3.62%
351,010
2.92%
3.24%
3.16%
175,024
HF
2021
Q2-22
312,951
305,338
240,502
255,971
169,218
120,262
76,829
2015
2016
2017
2018
Net Interest Margin
2019
YTD Jun-22 Annualized
Net Interest Income
2020
Significant Growth in Commercial Loan Portfolio ($'millions)
26.3%
Net Interest
Income CAGR
21.5%
9,425
8,623
252
7,756
261
Owner Occupied
339
2,758
2,480
6,214
5,589
408
2,309
585
449
475
1,021
471
1,055
3,817
291
3,975
281
2,321
2,045
1,145
396
1,988
1,704
1,749
305
793
741
193
4,378
4,809
153
188
831
534
570
3,492
308
145
2,023
2,296
1,135
1,187
511
HF
2015
2016
2017
2018
5
Home Equity & Consumer
Residential
2019
C&I Loan
2020
2021
Q2-22
Owner Occupied CRE
Investor CRE
CRE/C&I CAGR
41.2%
Investor CRE
CAGR
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