Investor Presentaiton
($MM)
IMPAIRED LOANS
NET FORMATIONS OF IMPAIRED LOANS 1,2
GROSS IMPAIRED LOANS 1,2,3
IAS 39
IFRS 9
IAS 39 I
IFRS 9
1000
900
800
700
600
500
400
300
200
100
0
Q3/17
Q4/17
Q1/18
Q2/18
Q3/18
Q4/18
Q1/19
Q2/19
Q3/19
1
0 m
2
+
LO
5
6
1.15%
1.10%
1.05%
3
1.00%
Q3/17
Q417
Q1/18
Net formations
Average
GILS (LHS)
GILS as % of loans & BAS (RHS)
1 Prior to Q1/18, excludes loans acquired under the Federal Deposit Insurance Corporation (FDIC) guarantee related to the acquisition of R-G Premier Bank of Puerto Rico. Effective Q1/18, includes loans acquired under the Federal Deposit
Insurance Corporation (FDIC) guarantee related to the acquisition of R-G Premier Bank of Puerto Rico
2 2018 and later amounts are based on IFRS 9. Prior period amounts were based on IAS 39
3 Excludes impact of acquisitions (Q3/18: $233 million, Q2/19: $18 million)
0.95%
0.90%
0.85%
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