Quarterly Financial Performance
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Appendix 2: International Banking by Region (¹)- Caribbean, Central America, and Asia
2023
2022
2021
Q3
Caribbean & Central America ($ millions)
Total revenue (TEB)
Provision for credit losses
Non-interest expenses
Net income before tax
Income tax expense (TEB)
Reported net income
Adjusting items (after tax)(2)
Adjusted net income (²)
Reported
Net income attributable to non-controlling interests (NCI)
Net income attributable to equity holders of the Bank (NIAEH)
Impact of FX translation.
NIAEH-including impact of FX translation
Adjusted (²)
Net income attributable to non-controlling interests (NCI)
Net income attributable to equity holders of the bank (NIAEH)
Impact of FX translation
NIAEH - including impact of FX translation
601
27
339
235
47
188
188
8 ཐཱབྷཱཐཱཝཱཤྩ® Rཎྜ^¢ eཎྜ^¢
Q1
Q4
Q3
613
594
539
556
24
36
45
55
340
346
340
337
249
212
154
164
54
47
31
34
195
165
123
130
1
1
1
1
196
166
124
131
28
25
26
24
25
22
22
160
170
139
99
105
97
88
2
3
10
(4)
(6)
(12)
160
172
142
109
101
91
76
Profitability Measurements(3)
Net interest margin (2)
5.81
6.00
5.68
5.63
5.25
4.88
4.79
5.83
5.05
5.21
5.09
Reported (4)
Provision for credit losses (PCL) as % of average net loans and acceptances (5)
0.49
0.43
0.60
0.79
0.94
0.79
0.80
0.98
0.96
0.51
0.84
0.83
1.09
PCL on impaired loans as % of average net loans and acceptances (5)
0.75
0.65
0.67
0.62
0.61
0.78
Productivity ratio (%)
56.5
55.2
57.8
61.5
60.5
60.6
1.31
65.2
1.71
0.69
0.90
0.83
1.60
64.7
71.6
56.5
62.1
61.9
67.0
Average Balances ($ billions)
Residential mortgages
Personal loans
Credit cards
Business and government loans & acceptances
Total loans & acceptances
Total deposits
Asia ($ millions)
Net income before tax (6)
Income tax expense (TEB)
Net income
Net income attributable to non-controlling interests (NCI)
25.4
25.0
24.5
24.2
24.0
23.7
23.2
24.3
8 $སྒྱུརྞཎྜ3ཎྜརྞ་Nཆད་སླ⌘༄མ་ 8 ཤྩ ཐཱལྐརྞཀླུ
Q1
Q4
539
524
501
42
45
55
325
341
322
172
138
124
53
28
31
119
110
93
1
120
1
111
1
28
26
26
24
25
22
22
17
21
81
70
94
78
160
170
140
100
106
98
89
77
53
476
292
397
274
3
2
10
(5)
(6)
160
173
142
110
101
92
(13)
76
(6)
(6)
(23)
(18)
(29)
71
47
476
269
379
245
8.1
8.0
7.9
7.7
7.6
7.5
7.4
7.4
7.5
8.0
7.6
7.6
7.5
3.4
3.3
3.2
3.2
3.2
3.2
3.2
3.2
3.2
3.4
3.2
3.2
3.4
1.5
1.5
1.5
1.5
1.4
1.4
1.4
1.4
1.5
1.5
1.4
1.4
1.6
9.7
9.9
10.2
10.1
10.1
9.9
10.0
9.9
10.0
10.0
10.1
10.1
10.1
22.7
22.7
22.8
22.5
22.3
22.0
22.0
21.9
22.2
22.9
22.3
22.3
22.6
ལུ ཤྰaཙྪོངྒ་ཁ་ཐཱ་མ8@ག་མལྷག་ ིི 8ཎྜཤྩ ཋལྐཤྩ་ླ ཀླུ
5.02
དྷཉྙམྨཊྚཧལཱ ཙ FR@ང F➢ཧྲེང ིི ལྷ་ཅུ $སྐདཿ ཤྲུ
1.24
Year-To-Date
Full Year
Q3
2023
2022
2022
2021
508
1,821
1,628
2,176
2,076
57
87
143
187
243
360
1,029
1,005
1,346
1,377
91
705
480
643
456
18
151
121
155
107
73
554
359
487
349
1
3
3
4
3
74
557
362
491
352
21
80
70
93
78
52
474
289
394
271
(5)
-
(22)
(17)
(27)
47
474
267
377
244
24.3
25.1
23.8
24.0
24.4
Net income attributable to equity holders of the Bank (NIAEH)
Impact of FX translation
NIAEH - including impact of FX translation
31
30
10
21
OF 20
30
29
35
35
11
11
12
9
12
19
19
17
26
23
-
22222
29
42
36
42
94
114
143
165
15
16
11
34
36
48
56
27
21
19
1
21
20
22
19
17
26
23
27
20
31
60
78
95
109
1
1
1
1
1
1
17
26
24
20
32
60
79
96
110
20
31
60
78
95
109
(1) Data presented on a constant FX basis. Quarterly results reflect FX rates as of Q3/23, while full-year results reflect Current Year Average FX rates. Refer to non-GAAP measures on page 8 of the Q3 2023 Quarterly Report to Shareholders, available on http://www.sedarplus.ca.
(2) Refer to Non-GAAP measures on page 4 of the Q3 2023 Quarterly Report to Shareholders, available on http://www.sedarplus.ca for a description of the measure. Refer to Page 31 of the Supplementary Financial Information Report for a reconciliation.
(3) Ratios are on a reported currency basis.
(4) Refer to page 53 of the Q3 2023 Quarterly Report to Shareholders, available on http://www.sedarplus.ca, for an explanation of the composition of the measure. Such explanation is incorporated by reference hereto.
(5) Provision for credit losses on certain financial assets - loans, acceptances and off-balance sheet exposures.
(6) Reported in Net Income (Loss) from Investments in Associated Corporations in International Banking's results.
Supplementary Financial Information (SFI)
30
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