Investor Presentaiton
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KEY TAKEAWAYS
SUMMARY H1 2022
■ We delivered solid business performance as we supported our clients in their growth journeys;
■ Profit after tax up 37% driven by revenue growth and lower impairment charges.
▪ Return on Equity up to double digit at 16.9% (2021: 13.4%).
■ Better asset quality;
■ NPL ratio down to 8.55% (2021: 9.87%).
■ Loan book up by 31%.
■ We continue to maintain adequate capital to invest and grow;
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Capital adequacy ratio 16.2% (Reg minimum 14.5%).
■ Sustainable community engagement aligned to our purpose.
▪ Our strategic priority is to transform the organisation to a platform business. We will continue to invest to build a
future ready organisation that is truly digital and truly human.
■ Year on year increase in costs reflects investment in superior technology and a future ready organization.
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