Investor Presentation Second Quarter 2018
INTERNATIONAL BANKING OVERVIEW
Well established and diversified franchise in select, higher growth regions outside of Canada
BUSINESS OVERVIEW
2018 PRIORITIES
STRATEGIC OUTLOOK
Operate primarily in Latin America, the Caribbean and Central America with a full range
of personal and commercial financial services, as well as wealth products and solutions,
to over 15 million customers
• Customer focus: Taking customer experience to the next level by leveraging our
Customer Pulse program and implementing a new Employee Pulse program to gather
valuable feedback on how to better serve our customers
Leadership: Continue to strengthen our teams across our business lines and functions
• Structural cost transformation: Continue to make progress on our cost reduction
programs, while focusing on developing new capabilities across the Bank
Digital transformation: Scale-up our digital banking units across the four Pacific
Alliance countries (and Canada), continue driving digital sales on priority products, and
accelerating digital adoption and transaction migration
• Business mix alignment: Strategically grow in key areas, including core deposits, to
improve profitability and reduce funding costs
• Pacific Alliance: Good momentum and continue to leverage diversified footprint
• Growth and Margins: Expect low double digit growth in the Pacific Alliance while
optimizing operations in the Caribbean and Central America, with stable margins and
credit quality
Expense Management: Expense management and delivering positive operating
leverage remains a key priority, along with strategic investments that will help
deliver a stronger customer experience
• Growth Strategy: Focused on organic growth, but will consider acquisition
opportunities in our existing footprint
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