Lowes SPR 5 Year Review | ARCUS
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Analysis and Annualised Performance by Product Shape - Income Products (All Products) By Product Type Capital at Risk Deposits and Capital Protected Structured Product Maturities 2022 2021 2020 2019 2018 Average 2022 2021 2020 2019 2018 Average
All products Number of product maturities
87 87
12 12
43 38
46 38
61
53 53
58 55
12 10
8 8 0 0
21 13
11
13 11
Number of products producing positive returns Number of products returning capital only
60
10
0 0
0 0
0 5
0 8
0
0 0
0 3
2 0
8 0
1
2 0
Number of products which lost capital Average duration / term (years)
1
0 6
3.49
6.00
4.46
5.87
4.92
4.14
4.43
5.51
6.01
6.00
5.91
Average annualised return All products
5.43% 7.26% 4.05%
3.87% 4.40% 3.51%
4.14% 3.96% 5.69% 6.11% 5.18% 6.10% 6.81% 7.37% 7.24% 7.04% 0.87% -1.34% 3.68% 5.13% 2.84%
3.05% 4.06% 2.90% 3.08% 3.29% 4.38% 4.47% 5.70% 4.91% 4.92% 0.65% 3.56% 0.00% 0.44% 1.30%
Upper quartile Lower quartile
Capital at Risk Income Plans 2018-22
Deposits and Capital Protected Income Plans 2018-22
25
100 90 80 70 60 50 40 30 20 10 0
6.1 6 5.9 5.8 5.7 5.6 5.5 5.4
7 6 5 4 3 2 1 0
20
15
10
No. of Plans
No. of Plans
No. of Positive Returns No. Returning Capital Only Average Term
No. of Positive Returns No. Realising Loss Average Term
5
Average Term (Years)
Average Term (Years)
0
2022
2021
2020
2019
2018
Average
2022
2021
2020
2019
2018
Average
10%
6%
8%
6%
4%
4%
2%
2%
All Products Upper Quartile
All Products Upper Quartile
0%
-2% Average Annualised Returns %
0% Average Annualised Returns %
Lower Quartile
Lower Quartile
2022
2021
2020
2019
2018
Average
2022
2021
2020
2019
2018
Average
21
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