Global Wealth Management and Banking Overview
International Banking Overview
Well established and diversified franchise in high quality growth markets
BUSINESS OVERVIEW
2019 PRIORITIES
• International Banking operates primarily in Latin America, the Caribbean and Central
America with a full range of personal and commercial financial services, as well as
wealth products and solutions
• Customer focus: Leverage our investments in our new customer experience system to
keep strengthening our service oriented culture
⚫ Leadership: Continue attracting and developing exceptional and diverse leadership talent
to keep pace with the changing needs of an increasingly competitive global market
• Structural cost transformation: Prudently continue to deliver cost reductions
Digital transformation: Continue accelerating our digital transformation to gain scale and
deliver business impact
• Business mix alignment: Continue achieving profitable growth by increasing core
deposits, growing our insurance revenues and integrating strategic acquisitions into our
operations
Strong risk culture: Improving our risk management practices by strengthening our
leadership team and continued investment in technology
STRATEGIC OUTLOOK
•
Pacific Alliance: Good momentum and will continue to leverage its diversified footprint -
with particular emphasis on the Pacific Alliance - and focus on successfully integrating
recent acquisitions in Chile, Peru, Colombia and Dominican Republic
Margins and credit quality are expected to remain stable with the level in Q4/18
Expense management and delivering positive operating leverage remains a key priority
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