BASEL II – PILLAR 3 DISCLOSURES
  Capital adequacy as at March 31, 2013
CAD in ‘000, except ratios 
Tier – 1 capital 1,015,144
Tier – 2 capital 45,000
Total capital funds of the Bank 1,060,144
Tier-1 capital adequacy ratio 31.81%
Total capital adequacy ratio 33.22%
  Capital adequacy as at December 31, 2012
CAD in ‘000, except ratios 
Tier – 1 capital 995,286
Tier – 2 capital 63,212
Total capital funds of the Bank 1,058,498
Tier-1 capital adequacy ratio 32.48%
Total capital adequacy ratio 34.54%
  Capital adequacy as at September 30, 2012
CAD in ‘000, except ratios 
Tier – 1 capital 983,714
Tier – 2 capital 57,038
Total capital funds of the Bank 1,040,752
Tier-1 capital adequacy ratio 32.15%
Total capital adequacy ratio 34.01%
  Capital adequacy as at June 30, 2012
CAD in ‘000, except ratios 
Tier – 1 capital 974,400
Tier – 2 capital 57,039
Total capital funds of the Bank 1,031,439
Tier-1 capital adequacy ratio 30.03%
Total capital adequacy ratio 31.79%


  Capital adequacy as at March 31, 2012
CAD in ‘000, except ratios 
Tier – 1 capital 986,492
Tier – 2 capital 61,119
Total capital funds of the Bank 1,047,611
Tier-1 capital adequacy ratio 29.85%
Total capital adequacy ratio 31.69%


  Capital adequacy as at December 31, 2011
CAD in ‘000, except ratios 
Tier – 1 capital 976,155
Tier – 2 capital 61,083
Total capital funds of the Bank 1,037,238
Tier-1 capital adequacy ratio 29.73%
Total capital adequacy ratio 31.59%


  Capital adequacy as at September 30, 2011
CAD in ‘000, except ratios 
Tier – 1 capital 968,170
Tier – 2 capital 56,808
Total capital funds of the Bank 1,024,978
Tier-1 capital adequacy ratio 27.70%
Total capital adequacy ratio 29.32%


  Capital adequacy as at June 30, 2011
CAD in ‘000, except ratios 
Tier – 1 capital 966,372
Tier – 2 capital 57,324
Total capital funds of the Bank 1,023,696
Tier-1 capital adequacy ratio 26.90%
Total capital adequacy ratio 28.50%


  Capital adequacy as at March 31, 2011
CAD in ‘000, except ratios 
Tier – 1 capital 953,999
Tier – 2 capital 57,351
Total capital funds of the Bank 1,011,350
Tier-1 capital adequacy ratio 24.83%
Total capital adequacy ratio 26.32%


  Capital adequacy as at December 31, 2010
CAD in ‘000, except ratios 
Tier – 1 capital 955,979
Tier – 2 capital 55,348
Total capital funds of the Bank 1,011,327
Tier-1 capital adequacy ratio 25.04%
Total capital adequacy ratio 26.49%


  Capital adequacy as at September 30, 2010
CAD in ‘000, except ratios 
Tier – 1 capital 947,304
Tier – 2 capital 54,452
Total capital funds of the Bank 1,001,756
Tier-1 capital adequacy ratio 21.67%
Total capital adequacy ratio 22.91%


  Capital adequacy as at June 30, 2010
CAD in ‘000, except ratios 
Tier – 1 capital 940,350
Tier – 2 capital 52,150
Total capital funds of the Bank 992,500
Tier-1 capital adequacy ratio 21.30%
Total capital adequacy ratio 22.48%


  Capital adequacy as at March 31, 2010
CAD in ‘000, except ratios 
Tier – 1 capital 940,712
Tier – 2 capital 51,675
Total capital funds of the Bank 992,387
Tier-1 capital adequacy ratio 22.16%
Total capital adequacy ratio 23.37%


  Capital adequacy as at December 31, 2009
CAD in ‘000, except ratios 
Tier – 1 capital 931,438
Tier – 2 capital 50,467
Total capital funds of the Bank 981,905
Tier-1 capital adequacy ratio 22.26%
Total capital adequacy ratio 23.47%


  Capital adequacy as at September 30, 2009
CAD in ‘000, except ratios 
Tier – 1 capital 947,990
Tier – 2 capital 67,486
Total capital funds of the Bank 1,015,476
Tier-1 capital adequacy ratio 21.68%
Total capital adequacy ratio 23.22%


  Capital adequacy as at June 30, 2009
CAD in ‘000, except ratios 
Tier – 1 capital 937,741
Tier – 2 capital 67,476
Total capital funds of the Bank 1,005,217
Tier-1 capital adequacy ratio 20.54%
Total capital adequacy ratio 22.02%


  Capital adequacy as at March 31, 2009
CAD in ‘000, except ratios 
Tier – 1 capital 928,924
Tier – 2 capital 67,312
Total capital funds of the Bank 996,236
Tier-1 capital adequacy ratio 18.55%
Total capital adequacy ratio 19.89%


  Capital adequacy as at December 31, 2008
CAD in ‘000, except ratios 
Tier – 1 capital 685,839
Tier – 2 capital 67,412
Total capital funds of the Bank 753,251
Tier-1 capital adequacy ratio 14.78%
Total capital adequacy ratio 16.23%


  Capital adequacy as at September 30, 2008
CAD in '000, except ratios 
Tier - 1 capital 452,100
Tier - 2 capital 70,522
Total capital funds of the Bank 522,622
Tier-1 capital adequacy ratio 13.00%
Total capital adequacy ratio 15.03%


  Capital adequacy as at June 30, 2008
CAD in '000, except ratios 
Tier – 1 capital 349,046
Tier – 2 capital 42,861
Total capital funds of the Bank 391,907
Tier-1 capital adequacy ratio 13.80%
Total capital adequacy ratio 15.50%


  Capital adequacy as at March 31, 2008
CAD in '000, except ratios 
Tier - 1 capital 350,852
Tier - 2 capital 45,388
Total capital funds of the Bank 396,240
Tier-1 capital adequacy ratio 18.91%
Total capital adequacy ratio 21.35%