Investor Presentaiton
Reconciliation for non-GAAP Financial Measures
Chile
($MM)
Pre-tax, pre-provision profit FY19 FY20
Reported Basis
Reported Basis (Constant FX) 1,3
FY21
FY22
Q3/21 Q3/22 Q3/23
FY19 FY20 FY21 FY22 Q3/21 Q3/22 Q3/23
Chile
Revenue
Expenses
2,385 2,066
1,151 963
2,147
933
2,112 534
853
514
227 209
621
254
2,017 2,029 2,080 2,296 528
585
621
975
928
904
927 225
237
254
Pre-tax, pre-provision profit 1,234 1,103 1,214
1,259
308
305
367
1,042
1,101
1,176
1,369
303
348
367
Net income attributable to
equity holders (NIAEH)
NIAEH
443
302
612
843
159
228
150
375
301
597
921
157
262
150
($MM)
Chile³
NIM Calculation1
Average total assets²
Less: Non-earning assets
Average total earning assets²
Less:
Trading Assets
Securities purchased under resale
agreements and securities borrowed
Other deductions
Average core earning assets²
Net Interest Income
2020 2021 2022 Q3/22 Q3/23
64,640 63,103 64,297 64,692 76,281
13,119 10,486 11,638 12,619 12,862
51,521 52,617 52,659 52,073 63,419
847
811
592 504
516
134
269 238
869
Less: Non-core net interest income
Net interest income on core earning assets
Net interest margin
761 824 591 1,359
49,805 51,045 51,109 50,709 61,306
1,415 1,507 1,596 413 490
16
12 (37) 6
1,399 1,496 1,633 407 498
2.81% 2.93% 3.20% 3.19% 3.22%
(8)
1 Refer to non-GAAP measures on page 4 of the Management's Discussion & Analysis in the Bank's Third Quarter 2023 Report to Shareholders, available on http://www.sedarplus.ca; 2 Average balances
represents the average of daily balance for the period; 3 May not add due to rounding
90
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