Investor Presentaiton
Appendix - 9M15 Performance
RBWM 9M15 Financial Performance
Principal RBWM adjusted PBT lower driven by higher costs and LICS, partly offset by an
increase in revenue
Adjusted PBT1,2
Adjusted revenue²
USDM
USDM
1%
Personal lending
9M14 9M15
VS.
Total RBWM
5,878
5,309 (10)%
17,002
17,206
Current account, savings
and deposits
Of which:
7,759
7,569
Wealth Management
products
US run-off portfolio
Principal RBWM
571
375 (34)%
Other
5,307 4,934 (7)%
4,149
4,213
4,561
4,921
4,698
Reported
533
503
3,878
Europe
5,307
9M14
9M15
4,934
Asia
ΜΕΝΑ
Adjusted operating expenses²
North America
USDM
USDM
Latin America
4%
Adjusted LICS²
LICS/ average gross loans
& advances to customers4
0.34
9M14
Adjusted RoRWA³
Principal RBWM
9M15
9M14
9M15
VS.
5.1%
4.6% (0.5)%
0.33
9%
10,767
11,226
1,248
1,360
9M14
9M15
9M14
9M15
1.
Refer to pages 24, 38 and 39 of the Q3 2015 Earnings Release, pages 2, 14, 15 and 17 of the Q3 2015 Data Pack and the 3Q 2015 Presentation to Investors and Analysts for further details on RBWM Financial Performance
Reported Total RBWM PBT: 9M14 USD4,305m, 9M15 USD4,522m. Reported US run-off PBT: 9M14 USD427m, 9M15 USD(176)m
2.
Reported Principal RBWM PBT: 9M14 USD3,878m, 9M15 USD4,698m; Revenue: 9M14 USD18,086m, 9M15 USD17, 201m; Operating Expenses: 9M14 USD13,019m, 9M15 USD11,457m;
Loan Impairment Charge (LICS): 9M14 USD1,511m, 9M15 USD1,360m.
3.
Adjusted RoRWA for Principal RBWM excludes associates. Reported RoRWA for Principal RBWM (including associates): 9M14 3.3%, 9M15 4.1%
4. Excludes Brazil
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