Annual meeting of shareholders May 13, 2020 1
Forward-looking statements From time to time Home Capital Group Inc. (the Company) makes written and verbal forward-looking statements. These are included in the Annual Report, periodic reports to shareholders, regulatory filings, press releases, Company presentations and other Company communications. Forward-looking statements are made in connection with business objectives and targets, Company strategies, operations, anticipated financial results and the outlook for the Company, its industry, and the Canadian economy. These statements regarding expected future performance are “financial outlooks” within the meaning of National Instrument 51-102. Please see the risk factors, which are set forth in detail in the Risk Management section of the 2020 First Quarter Report, as well as the Company’s other publicly filed information, which is available on the System for Electronic Document Analysis and Retrieval (SEDAR) at www.sedar.com, for the material factors that could cause the Company’s actual results to differ materially from these statements. These risk factors are material risk factors a reader should consider, and include credit risk, liquidity and funding risk, structural interest rate risk, operational risk, investment risk, strategic risk, reputational risk, compliance risk and capital adequacy risk along with additional risk factors that may affect future results. Forward-looking statements can be found in the Report to the Shareholders and the Outlook section in the 2020 First Quarter Report. Forward-looking statements are typically identified by words such as “will,” “believe,” “expect,” “anticipate,” “intend,” “should,” “estimate,” “plan,” “forecast,” “may,” and “could” or other similar expressions. By their very nature, these statements require the Company to make assumptions and are subject to inherent risks and uncertainty, general and specific, which may cause actual results to differ materially from the expectations expressed in the forward-looking statements. These risks and uncertainties include, but are not limited to, the impacts of the novel coronavirus disease (COVID-19) pandemic and government responses to it, global capital market activity, changes in government monetary and economic policies, changes in interest rates, inflation levels and general economic conditions, legislative and regulatory developments, climate change, competition and technological change. The preceding list is not exhaustive of possible factors. These and other factors should be considered carefully and readers are cautioned not to place undue reliance on these forward-looking statements. The Company presents forward-looking statements to assist shareholders in understanding the Company’s assumptions and expectations about the future that are relevant in management’s setting of performance goals, strategic priorities and outlook. The Company presents its outlook to assist shareholders in understanding management’s expectations on how the future will impact the financial performance of the Company. These forward-looking statements may not be appropriate for other purposes. The Company does not undertake to update any forward-looking statements, whether written or verbal, that may be made from time to time by it or on its behalf, except as required by securities laws. 2
Business of the meeting 1. Election of Directors 2. Approval of Auditors 3. Advisory Vote on Executive Compensation 3
Business of the meeting Election of Directors
Board of Directors 5
Business of the meeting Approval of Auditors
Business of the meeting Advisory Vote on Executive Compensation
Paul Derksen Chair of the Board of Directors 8
Yousry Bissada President and Chief Executive Officer 9
Leadership Team 10
Address by the Chief Executive Officer Home’s response to COVID -19 Building our Home in 2019 Home’s position post -disruption 11
Home responds to COVID-19: We’re here to help Our people Our customers Community • Payment deferral options • • Donation to 98% moved to working @ConquerCovid19 from home • VPN-enabled remote workplace for customer • “Not all heroes wear capes” • Additional IT tools and privacy and data security campaign resources as needed • Additional resources added • Regular to customer contact centre communications and updates • Information on relief solutions and government • Webinars on health and programs added to website wellness concerns 12
Building our Home in 2019 Strategic Launch of Ignite Diversification Growth of return of Home Trust Program of our funding our loan capital to Ignite first base portfolio shareholders Program deliverables 13
Our values 14
Positioned to add value in a post-disruption world ✓ Sustainable risk culture OUR WAY ✓ Robust capital and liquidity FORWARD ✓ Expertise in customized, individual underwriting and lending 15
Brad Kotush Executive Vice President and Chief Financial Officer 16
Significant growth and value creation in 2019 HIGHER BOOK VALUE PER SHARE AND EARNINGS PER GROWTH IN ORIGINATIONS SHARE . . FOCUS ON RELATIONSHIPS GROWTH IN OAKEN CHANNEL AND SERVICE EXCELLENCE DEPOSITS . CONTINUED IMPROVEMENT IN INDUSTRY-LEADING CAPITAL AND LIQUIDITY PROFILES CAPITAL EFFICIENCY . 17
Our strengths in 2020 and beyond Strong capital and Talented and dedicated team liquidity Sustainable Risk Culture Focus on relationships and Our Home Trust Values service 18
Thank you 19
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