H1 2022 Financial Performance Overview
Appendix: Normalised Financials
Bank ABC
US$ millions
2018
2019
2020
2021
H1 2021
H1 2022
Interest Income
559
564
516
592
260
370
Non-Interest Income*
309
311
233
277
140
149
Total Operating Income (TOI)*
868
875
749
869
400
519
Profit
or loss
Total Operating Expenses
-474
-524
-486
-569
-253
-331
Operating Profit
394
351
263
300
147
188
Provisions
-79
-82
-329
-106
-49
-51
Profit before Taxes & M.I.
315
269
-66
194
98
137
Taxes*
-67
-33
-9
-66
-29
-41
M.I.
-46
-42
-14
-28
-14
-26
Net Profit
202
194
-89
100
55
70
US$ millions
2018
2019
2020
2021
June 2021
June 2022
Liquid Funds✶✶
6,266
5,323
5,378
6,355
4,693
5,582
Marketable Securities
6,638
6,343
6,867
9,252
7,735
8,365
Loans & Advances
14,884
16,452
15,656
16,768
15,930
17,022
Other
1,761
1,950
2,506
2,522
2,581
3,317
Total Assets
29,549
30,068
30,407
34,897
30,939
34,286
Customer Deposits
16,464
17,065
17,667
21,459
18,313
20,993
Balance
Sheet
Bank Deposits
4,207
3,897
3,596
4,388
3,852
3,712
Borrowing
2,012
2,080
1,795
1,211
1,613
1,244
Other
2,550
2,537
3,205
3,604
2,879
3,832
Total Liabilities
25,233
25,579
26,263
30,662
26,657
29,781
Shareholders' Equity
3,862
4,031
3,767
3,872
3,890
3,715
Non-Controlling Interest
454
458
377
363
392
400
Additional / Perpetual Tier-1 Capital
390
Total Equity
4,316
4,489
4,144
4,235
4,282
4,505
Total Liabilities & Equity
29,549
30,068
30,407
34,897
30,939
34,286
Normalized Cost to Income, %
55%
60%
65%
65%
63%
64%
Key
Metrics
Tier 1 Ratio, %
17.2%
16.9%
16.6%
15.9%
16.4%
16.6%
CET 1, %
17.0%
ROAE,%
5.2%
16.6%
4.9%
16.2%
15.5%
16.1%
14.7%
2.6%
2.9%
3.5%
* TOI and taxes includes normalization of BRL currency overhedge. Headline TOI 2018 $817m, 2019 $865m, 2020 $646m, 2021 $854m, H1 2021 $407m
and H1 2022 $520m. ** Liquid funds includes placements with banks & other financial institutions and securities bought under repurchase agreements.
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