Investor Presentaiton
International Banking
1
Net Income ($MM)
485
447
504
505
500
IIII
•
Year-over-Year Highlights
Net Income up 12%
•
Strong loan, deposit and fee income
growth in the Pacific Alliance
Strong positive operating leverage
•
Partly offset by higher PCLS
Loans up 13% and deposits up 19%
Ex. FX translation, total loans were up
15% (Latin America was up 19%) and
total deposits were up 20%
NIM up 2 bps
Q2/15
Q3/15
Q4/15
Q1/16 Q2/16
Average Assets ($B)
Net Interest Margin (%)
143 145
135
128 129
4.77
4.67
4.70
4.69
4.57
Q2/15 Q3/15 Q4/15 Q1/16 Q2/16
Q2/15 Q3/15 Q4/15 Q1/16 Q2/16
(1)
Attributable to equity holders of the Bank
11
PCL loss ratio up 31 bps
Driven primarily by commercial provisions,
including one account in Colombia
Expenses up 11%, or up 6% excluding
the impact of F/X translation and
acquisitions
Business volume and inflationary
increases
Operating leverage of +3.1% YTD
Strong volume growth and
positive operating leverage
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