2015 Half Year Results

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Half Year Results 2015
Half Year Results 2015
Business update
Business update
Another excellent six months for the Group
Another excellent six months for the Group
Banking as it should be
Banking as it should be
Our strategy
Our strategy
An engaged and committed team
An engaged and committed team
Serving customers’ needs – strong market positions
Serving customers’ needs – strong market positions
Serving customers’ needs – strong market positions
Serving customers’ needs – strong market positions
Serving customers’ needs – strong market positions
Serving customers’ needs – strong market positions
Serving customers’ needs – distinctive propositions
Serving customers’ needs – distinctive propositions
Delivering for shareholders
Delivering for shareholders
Changing regulatory environment
Changing regulatory environment
Continued confidence in outlook
Continued confidence in outlook
Performance update
Performance update
Continued balance sheet momentum…
Continued balance sheet momentum…
…more than doubles profit before tax
…more than doubles profit before tax
Maintained asset margins while growing the portfolio
Maintained asset margins while growing the portfolio
Funding diversification drives improved NIM
Funding diversification drives improved NIM
Strong credit KPIs
Strong credit KPIs
Leveraging scalable and efficient operating model
Leveraging scalable and efficient operating model
Maintaining a prudent capital base
Maintaining a prudent capital base
Strong financial momentum
Strong financial momentum
Q&A
Q&A
Q&A
Q&A
Q&A
Q&A
Q&A
Q&A
Q&A
Q&A
Q&A
Q&A

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