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Investor Presentaiton

APPENDIX 5 | USSF&I - CREDIGY Credigy Summary Results - Q1 2024 ($MM) Q1 24 Q4 23 Q1 23 QoQ YOY Revenues 125 126 137 (1%) (9%) Net Interest Income 117 126 136 (7%) (14%) Non-Interest Income 8 1 Non-Interest Expenses 35 38 36 (8%) (3%) Pre-Tax/Pre-Provisions 90 88 101 2% (11%) PCL 25 10 31 Net Income 51 61 55 (16%) (7%) Avg Assets C$ 10,762 10,067 9,597 7% 12% Avg Assets US$ 7,925 7,469 7,068 6% 12% Efficiency Ratio (2) (%) 28.0% 30.2% 26.3% Credigy Revenues ($MM) (2) (3) (4) 1 8 136(3) 126(4) 110 112 117 (2) Q1 23 Q2 23 Q3 23 Q4 23 Q1 24 ■Net interest income Non-interest income Average assets. On a constant currency basis. Average assets up 6% QoQ (1) and 12% YoY, with strong momentum in investment volumes US$1.3B deployed in Q1, mainly in mortgage and consumer secured space Revenues down YoY and QoQ as reference periods benefitted from pre-payment revenue and portfolio over-performance(3)(4) NII up 6% QoQ on a constant currency basis, excluding favourable items recorded in Q4 2023 Non-interest income mainly reflecting favourable mark-to-market adjustments on assets at fair value PCL of $25M, driven by performing provisions on new investments and impaired provisions from the seasoning of loan portfolios Lower PCL in Q4 2023 reflected write-ups of overperforming POCI portfolios ■ Portfolio defensively positioned with continued strong underlying performance - - Most assets secured (93% as of Q1 vs. 77% pre-pandemic) and well-diversified Maintaining disciplined investment approach in current environment Represents a supplementary financial measure. See slide 2. Q1 2023 includes $20M of net interest income from the acceleration of interest due to a loan pre-payment. Q4 2023 includes $14M of net interest income from pre-payment revenue and favourable impact of over-performance on fair value portfolio. 23
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