Investor Presentaiton slide image

Investor Presentaiton

Focused strategic direction has enabled us to significantly exceed our medium-term targets ROE target of > 10% reached in 2021 – revised target of >13% reached in 2022 and 2023 Operating in an attractive market With a unique position And a track record of delivering 10 >10% Target 0.6% 2019 >10% 6.5% 2020 14.7% 14.1% 13.6% >13% >13% >10% 2021 Cost to income target of 50% reached in 2020 - revised target of <45% reached in 2021 and 2022 56.0% ~50% 2019 ~50% 48.1% 2020 Income to REA of >6.5% reached in 2020, revised target of >6.7% reached in 2021 6.4% 2019 7.0% >6.5% 2020 <45% 44.4% 2022 <45% 44.0% 2021 2022 7.6% >7.3% 6.7% >6.7% 2021 * Core income: Net interest income, Net fee and commission income and Insurance service results (excluding operating expenses from insurance.) Operating expenses from insurance are included in cost when calculating cost to core income ratio 2023 Target revised to cost to core income of <48% and reached in 2023 <48% 44.7% 2023 Target revised to core income to REA of >6.7% and reached in 2023 7.1% >6.7% 2022 2023
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