SMSB Segmentation Category
The Bank is currently categorized as Category II SMSB in accordance with OSFI’s Small and MediumSized DepositTaking Institutions (SMSBs) Capital and Liquidity Requirements, section “Segmentation of SMSBs”.
Financial Data
The following link to OSFI’s website may be referred for any additional information pertaining to the financial data for the Bank:
Frequency of Reporting
Basel – Pillar 3 Disclosures for 2023
Capital Related Disclosures under Basel III for Q2, 2023
Leverage Ratio Disclosures under Basel III for Q2, 2023
Capital adequacy as at June 30, 2023  

CAD in thousands, except ratios  
Tier – 1 capital 
421,398 
Tier – 2 capital 
17,269 
Total capital funds of the Bank  438,667 
Tier1 capital adequacy ratio 
17.65% 
Total capital adequacy ratio 
18.37% 
Capital Related Disclosures under Basel III for Q1, 2023
Leverage Ratio Disclosures under Basel III for Q1, 2023
Capital adequacy as at March 31, 2023  

CAD in thousands, except ratios


Tier – 1 capital  406,688 
Tier – 2 capital  18,326 
Total capital funds of the Bank  425,014 
Tier1 capital adequacy ratio  16.51% 
Total capital adequacy ratio  17.26% 
Pillar 3 Disclosures for the year ending December 31, 2022
Capital Related Disclosures under Basel III for Q4, 2022
Leverage Ratio Disclosures under Basel III for Q4, 2022
Capital adequacy as at December 31, 2022  

CAD in thousands, except ratios


Tier – 1 capital  406,421 
Tier – 2 capital  18,870 
Total capital funds of the Bank  425,291 
Tier1 capital adequacy ratio  16.83% 
Total capital adequacy ratio  17.61% 
Capital Related Disclosures under Basel III for Q3, 2022
Leverage Ratio Disclosures under Basel III for Q3, 2022
Capital adequacy as at September 30, 2022  

CAD in thousands, except ratios


Tier – 1 capital  393,524 
Tier – 2 capital  16,170 
Total capital funds of the Bank  409,694 
Tier1 capital adequacy ratio  16.08% 
Total capital adequacy ratio  16.74% 
Capital Related Disclosures under Basel III for Q2, 2022
Leverage Ratio Disclosures under Basel III for Q2, 2022
Capital adequacy as at June 30, 2022  

CAD in thousands, except ratios


Tier – 1 capital  383,066 
Tier – 2 capital  16,313 
Total capital funds of the Bank  399,379 
Tier1 capital adequacy ratio  15.75% 
Total capital adequacy ratio  16.42% 
Capital Related Disclosures under Basel III for Q1, 2022
Leverage Ratio Disclosures under Basel III for Q1, 2022
Capital adequacy as at March 31, 2022  

CAD in thousands, except ratios


Tier – 1 capital  378,144 
Tier – 2 capital  16,076 
Total capital funds of the Bank  394,220 
Tier1 capital adequacy ratio  16.50% 
Total capital adequacy ratio  17.20% 
Pillar 3 Disclosures for the year ending December 31, 2021
Capital Related Disclosures under Basel III for Q4, 2021
Leverage Ratio Disclosures under Basel III for Q4, 2021
Capital adequacy as at December 31, 2021  

CAD in thousands, except ratios


Tier – 1 capital  612,547 
Tier – 2 capital  14,106 
Total capital funds of the Bank  626,653 
Tier1 capital adequacy ratio  25.88% 
Total capital adequacy ratio  26.47% 
Capital Related Disclosures under Basel III for Q3, 2021
Leverage Ratio Disclosures under Basel III for Q3, 2021
Capital adequacy as at September 30, 2021  

CAD in thousands, except ratios


Tier – 1 capital  605,222 
Tier – 2 capital  19,095 
Total capital funds of the Bank  624,317 
Tier1 capital adequacy ratio  25.24% 
Total capital adequacy ratio  26.04% 
Capital Related Disclosures under Basel III for Q2, 2021
Leverage Ratio Disclosures under Basel III for Q2, 2021
Capital adequacy as at June 30, 2021  

CAD in thousands, except ratios


Tier – 1 capital  598,344 
Tier – 2 capital  20,914 
Total capital funds of the Bank  619,258 
Tier1 capital adequacy ratio  23.98% 
Total capital adequacy ratio  24.82% 
Capital Related Disclosures under Basel III for Q1, 2021
Leverage Ratio Disclosures under Basel III for Q1, 2021
Capital adequacy as at March 31, 2021  

CAD in thousands, except ratios


Tier – 1 capital  593,285 
Tier – 2 capital  19,526 
Total capital funds of the Bank  612,811 
Tier1 capital adequacy ratio  23.33% 
Total capital adequacy ratio  24.09% 
Basel – Pillar 3 Disclosures for 2020
Pillar 3 Disclosures for the year ending December 31, 2020
Capital Related Disclosures under Basel III for Q4, 2020
Leverage Ratio Disclosures under Basel III for Q4, 2020
Capital adequacy as at December 31, 2020  

CAD in thousands, except ratios


Tier – 1 capital  594,169 
Tier – 2 capital  18,632 
Total capital funds of the Bank  612,801 
Tier1 capital adequacy ratio  22.20% 
Total capital adequacy ratio  22.90% 
Capital Related Disclosures under Basel III for Q3, 2020
Leverage Ratio Disclosures under Basel III for Q3, 2020
Capital adequacy as at September 30, 2020  

CAD in thousands, except ratios


Tier – 1 capital  594,021 
Tier – 2 capital  23,072 
Total capital funds of the Bank  617,093 
Tier1 capital adequacy ratio  20.59% 
Total capital adequacy ratio  21.39% 
Capital Related Disclosures under Basel III for Q2, 2020
Leverage Ratio Disclosures under Basel III for Q2, 2020
Capital adequacy as at June 30, 2020  

CAD in thousands, except ratios


Tier – 1 capital  593,440 
Tier – 2 capital  24,547 
Total capital funds of the Bank  617,987 
Tier1 capital adequacy ratio  19.36% 
Total capital adequacy ratio  20.16% 
Capital Related Disclosures under Basel III for Q1, 2020
Leverage Ratio Disclosures under Basel III for Q1, 2020
Capital adequacy as at March 31, 2020  

CAD in thousands, except ratios


Tier – 1 capital  591,668 
Tier – 2 capital  22,958 
Total capital funds of the Bank  614,626 
Tier1 capital adequacy ratio  18.38% 
Total capital adequacy ratio  19.09% 
Basel – Pillar 3 Disclosures for 2019
Pillar 3 Disclosures for the year ending December 31, 2019
Capital Related Disclosures under Basel III for Q4, 2019
Leverage Ratio Disclosures under Basel III for Q4, 2019
Capital adequacy as at December 31, 2019  

CAD in thousands, except ratios


Tier – 1 capital  609,967 
Tier – 2 capital  15,833 
Total capital funds of the Bank  625,800 
Tier1 capital adequacy ratio  19.09% 
Total capital adequacy ratio  19.59% 
Capital Related Disclosures under Basel III for Q3, 2019
Leverage Ratio Disclosures under Basel III for Q3, 2019
Capital adequacy as at September 30, 2019  

CAD in thousands, except ratios


Tier – 1 capital  588,433 
Tier – 2 capital  15,881 
Total capital funds of the Bank  604,314 
Tier1 capital adequacy ratio  18.40% 
Total capital adequacy ratio  18.89% 
Capital Related Disclosures under Basel III for Q2, 2019
Leverage Ratio Disclosures under Basel III for Q2, 2019
Capital adequacy as at June 30, 2019  

CAD in thousands, except ratios


Tier – 1 capital  574,489 
Tier – 2 capital  15,259 
Total capital funds of the Bank  589,748 
Tier1 capital adequacy ratio  17.88% 
Total capital adequacy ratio  18.36% 
Capital Related Disclosures under Basel III for Q1, 2019
Leverage Ratio Disclosures under Basel III for Q1, 2019
Capital adequacy as at March 31, 2019  

CAD in thousands, except ratios


Tier – 1 capital  562,404 
Tier – 2 capital  15,141 
Total capital funds of the Bank  577,545 
Tier1 capital adequacy ratio  16.64% 
Total capital adequacy ratio  17.08% 
Basel – Pillar 3 Disclosures for 2018
Pillar 3 Disclosures for the year ending December 31, 2018
Capital Related Disclosures under Basel III for Q4, 2018
Leverage Ratio Disclosures under Basel III for Q4, 2018
Capital adequacy as at December 31, 2018  

CAD in thousands, except ratios


Tier – 1 capital  573,977 
Tier – 2 capital  18,953 
Total capital funds of the Bank  592,930 
Tier1 capital adequacy ratio  16.02% 
Total capital adequacy ratio  16.55% 
Capital Related Disclosures under Basel III for Q3, 2018
Leverage Ratio Disclosures under Basel III for Q3, 2018
Capital adequacy as at September 30, 2018  

CAD in thousands, except ratios


Tier – 1 capital  558,644 
Tier – 2 capital  17,412 
Total capital funds of the Bank  576,056 
Tier1 capital adequacy ratio  16.74% 
Total capital adequacy ratio  17.26% 
Capital Related Disclosures under Basel III for Q2, 2018
Leverage Ratio Disclosures under Basel III for Q2, 2018
Capital adequacy as at June 30, 2018  

CAD in thousands, except ratios


Tier – 1 capital  546,792 
Tier – 2 capital  17,485 
Total capital funds of the Bank  564,277 
Tier1 capital adequacy ratio  17.03% 
Total capital adequacy ratio  17.57% 
Capital Related Disclosures under Basel III for Q1, 2018
Leverage Ratio Disclosures under Basel III for Q1, 2018
Capital adequacy as at March 31, 2018  

CAD in thousands, except ratios


Tier – 1 capital  532,734 
Tier – 2 capital  21,039 
Total capital funds of the Bank  553,773 
Tier1 capital adequacy ratio  16.65% 
Total capital adequacy ratio  17.31% 
Basel – Pillar 3 Disclosures for 2017
Pillar 3 Disclosures for the year ending December 31, 2017
Capital Related Disclosures under Basel III for Q4, 2017
Leverage Ratio Disclosures under Basel III for Q4, 2017
Capital adequacy as at December 31, 2017  

CAD in thousands, except ratios


Tier – 1 capital  648,462 
Tier – 2 capital  0 
Total capital funds of the Bank  648,462 
Tier1 capital adequacy ratio  21.06% 
Total capital adequacy ratio  21.06% 
Capital Related Disclosures under Basel III for Q3, 2017
Leverage Ratio Disclosures under Basel III for Q3, 2017
Capital adequacy as at September 30, 2017  

CAD in thousands, except ratios


Tier – 1 capital  640,273 
Tier – 2 capital  0 
Total capital funds of the Bank  640,273 
Tier1 capital adequacy ratio  21.19% 
Total capital adequacy ratio  21.19% 
Capital Related Disclosures under Basel III for Q2, 2017
Leverage Ratio Disclosures under Basel III for Q2, 2017
Capital adequacy as at June 30, 2017  

CAD in thousands, except ratios


Tier – 1 capital  629,114 
Tier – 2 capital  0 
Total capital funds of the Bank  629,114 
Tier1 capital adequacy ratio  21.62% 
Total capital adequacy ratio  21.62% 
Capital Related Disclosures under Basel III for Q1, 2017
Leverage Ratio Disclosures under Basel III for Q1, 2017
Capital adequacy as at March 31, 2017  

CAD in thousands, except ratios


Tier – 1 capital  619,194 
Tier – 2 capital  0 
Total capital funds of the Bank  619,194 
Tier1 capital adequacy ratio  21.84% 
Total capital adequacy ratio  21.84% 
Basel – Pillar 3 Disclosures for 2016
Pillar 3 Disclosures for the year ending December 31, 2016
Capital Related Disclosures under Basel III for Q4, 2016
Leverage Ratio Disclosures under Basel III for Q4, 2016
Capital adequacy as at December 31, 2016  

CAD in thousands, except ratios


Tier – 1 capital  733,796 
Tier – 2 capital  0 
Total capital funds of the Bank  733,796 
Tier1 capital adequacy ratio  24.65% 
Total capital adequacy ratio  24.65% 
Capital Related Disclosures under Basel III for Q3, 2016
Leverage Ratio Disclosures under Basel III for Q3, 2016
Capital adequacy as at September 30, 2016  

CAD in thousands, except ratios


Tier – 1 capital  771,108 
Tier – 2 capital  0 
Total capital funds of the Bank  771,108 
Tier1 capital adequacy ratio  24.91% 
Total capital adequacy ratio  24.91% 
Capital Related Disclosures under Basel III for Q2, 2016
Leverage Ratio Disclosures under Basel III for Q2, 2016
Capital adequacy as at June 30, 2016  

CAD in thousands, except ratios


Tier – 1 capital  779,805 
Tier – 2 capital  0 
Total capital funds of the Bank  779,805 
Tier1 capital adequacy ratio  22.51% 
Total capital adequacy ratio  22.51% 
Capital Related Disclosures under Basel III for Q1, 2016
Leverage Ratio Disclosures under Basel III for Q1, 2016
Capital adequacy as at March 31, 2016  

CAD in thousands, except ratios


Tier – 1 capital  779,077 
Tier – 2 capital  0 
Total capital funds of the Bank  779,077 
Tier1 capital adequacy ratio  23.63% 
Total capital adequacy ratio  23.63% 
Basel – Pillar 3 Disclosures for 2015
Pillar 3 Disclosures for the year ending December 31, 2015
Capital Related Disclosures under Basel III for Q4, 2015
Leverage Ratio Disclosures under Basel III for Q4, 2015
Capital adequacy as at December 31, 2015  

CAD in ‘000, except ratios


Tier – 1 capital  851,053 
Tier – 2 capital  0 
Total capital funds of the Bank  851,053 
Tier1 capital adequacy ratio  23.65% 
Total capital adequacy ratio  23.65% 
Capital Related Disclosures under Basel III for Q3, 2015
Capital adequacy as at September 30, 2015  

CAD in ‘000, except ratios


Tier – 1 capital  849,368 
Tier – 2 capital  0 
Total capital funds of the Bank  849,368 
Tier1 capital adequacy ratio  25.21% 
Total capital adequacy ratio  25.21% 
Capital Related Disclosures under Basel III for Q2 2015
Capital adequacy as at June 30, 2015  

CAD in ‘000, except ratios


Tier – 1 capital  846,018 
Tier – 2 capital  0 
Total capital funds of the Bank  846,018 
Tier1 capital adequacy ratio  27.66% 
Total capital adequacy ratio  27.66% 
Capital Related Disclosures under Basel III for Q1 2015
Capital adequacy as at March 31, 2015  

CAD in ‘000, except ratios


Tier – 1 capital  838,576 
Tier – 2 capital  25,000 
Total capital funds of the Bank  863,576 
Tier1 capital adequacy ratio  27.69% 
Total capital adequacy ratio  28.52% 
Basel – Pillar 3 Disclosures for 2014
Pillar 3 Disclosures for the year ending December 31, 2014
Capital Related Disclosures under Basel III for Q4 2014
Capital adequacy as at December 31, 2014  

CAD in ‘000, except ratios


Tier – 1 capital  939,360 
Tier – 2 capital  30,000 
Total capital funds of the Bank  969,360 
Tier1 capital adequacy ratio  32.15% 
Total capital adequacy ratio  33.17% 
Capital Related Disclosures under Basel III for Q3 2014
Capital adequacy as at September 30, 2014  

CAD in ‘000, except ratios


Tier – 1 capital  939,898 
Tier – 2 capital  30,000 
Total capital funds of the Bank  969,898 
Tier1 capital adequacy ratio  32.92% 
Total capital adequacy ratio  33.98% 
Capital Related Disclosures under Basel III for Q2 2014
Capital adequacy as at June 30, 2014  

CAD in ‘000, except ratios


Tier – 1 capital  937,456 
Tier – 2 capital  35,000 
Total capital funds of the Bank  972,456 
Tier1 capital adequacy ratio  29.48% 
Total capital adequacy ratio  30.58% 
Capital Related Disclosures under Basel III for Q1 2014
Capital adequacy as at March 31, 2014  

CAD in ‘000, except ratios


Tier – 1 capital  923,654 
Tier – 2 capital  35,000 
Total capital funds of the Bank  958,654 
Tier1 capital adequacy ratio  28.65% 
Total capital adequacy ratio  29.73% 
Basel – Pillar 3 Disclosures for 2013
Pillar 3 Disclosures for the year ending December 31, 2013
Capital Related Disclosures under Basel III for Q4 2013
Capital adequacy as at December 31, 2013  

CAD in ‘000, except ratios


Tier – 1 capital  947,264 
Tier – 2 capital  40,000 
Total capital funds of the Bank  987,264 
Tier1 capital adequacy ratio  30.33% 
Total capital adequacy ratio  31.61% 
Capital Related Disclosures under Basel III for Q3 2013
Capital adequacy as at September 30, 2013  

CAD in ‘000, except ratios


Tier – 1 capital  936,789 
Tier – 2 capital  40,000 
Total capital funds of the Bank  976,789 
Tier1 capital adequacy ratio  29.96% 
Total capital adequacy ratio  31.24% 
Capital Related Disclosures under Basel III for Q2 2013
Capital adequacy as at June 30, 2013  

CAD in ‘000, except ratios


Tier – 1 capital  924,544 
Tier – 2 capital  45,000 
Total capital funds of the Bank  969,544 
Tier1 capital adequacy ratio  29.57% 
Total capital adequacy ratio  31.01% 
Capital Related Disclosures under Basel III for Q1 2013
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 
Tier1 capital adequacy ratio  31.81% 
Total capital adequacy ratio  33.22% 
Basel – Pillar 3 Disclosures for 2012
Pillar 3 Disclosures for the year ending December 31, 2012
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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 capital adequacy ratio  29.85% 
Total capital adequacy ratio  31.69% 
Basel – Pillar 3 Disclosures for 2011
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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 capital adequacy ratio  24.83% 
Total capital adequacy ratio  26.32% 
Basel – Pillar 3 Disclosures for 2010
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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 capital adequacy ratio  22.16% 
Total capital adequacy ratio  23.37% 
Basel – Pillar 3 Disclosures for 2009
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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 capital adequacy ratio  18.55% 
Total capital adequacy ratio  19.89% 
Basel – Pillar 3 Disclosures for 2008
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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 capital adequacy ratio  18.91% 
Total capital adequacy ratio  21.35% 
Pillar 3 Disclosures for the year ending December 31, 2020
Capital Related Disclosures under Basel III for Q4, 2020
Leverage Ratio Disclosures under Basel III for Q4, 2020
Capital adequacy as at December 31, 2020  

CAD in thousands, except ratios


Tier – 1 capital  594,169 
Tier – 2 capital  18,632 
Total capital funds of the Bank  612,801 
Tier1 capital adequacy ratio  22.20% 
Total capital adequacy ratio  22.90% 
Capital Related Disclosures under Basel III for Q3, 2020
Leverage Ratio Disclosures under Basel III for Q3, 2020
Capital adequacy as at September 30, 2020  

CAD in thousands, except ratios


Tier – 1 capital  594,021 
Tier – 2 capital  23,072 
Total capital funds of the Bank  617,093 
Tier1 capital adequacy ratio  20.59% 
Total capital adequacy ratio  21.39% 
Capital Related Disclosures under Basel III for Q2, 2020
Leverage Ratio Disclosures under Basel III for Q2, 2020
Capital adequacy as at June 30, 2020  

CAD in thousands, except ratios


Tier – 1 capital  593,440 
Tier – 2 capital  24,547 
Total capital funds of the Bank  617,987 
Tier1 capital adequacy ratio  19.36% 
Total capital adequacy ratio  20.16% 
Capital Related Disclosures under Basel III for Q1, 2020
Leverage Ratio Disclosures under Basel III for Q1, 2020
Capital adequacy as at March 31, 2020  

CAD in thousands, except ratios


Tier – 1 capital  591,668 
Tier – 2 capital  22,958 
Total capital funds of the Bank  614,626 
Tier1 capital adequacy ratio  18.38% 
Total capital adequacy ratio  19.09% 
Pillar 3 Disclosures for the year ending December 31, 2019
Capital Related Disclosures under Basel III for Q4, 2019
Leverage Ratio Disclosures under Basel III for Q4, 2019
Capital adequacy as at December 31, 2019  

CAD in thousands, except ratios


Tier – 1 capital  609,967 
Tier – 2 capital  15,833 
Total capital funds of the Bank  625,800 
Tier1 capital adequacy ratio  19.09% 
Total capital adequacy ratio  19.59% 
Capital Related Disclosures under Basel III for Q3, 2019
Leverage Ratio Disclosures under Basel III for Q3, 2019
Capital adequacy as at September 30, 2019  

CAD in thousands, except ratios


Tier – 1 capital  588,433 
Tier – 2 capital  15,881 
Total capital funds of the Bank  604,314 
Tier1 capital adequacy ratio  18.40% 
Total capital adequacy ratio  18.89% 
Capital Related Disclosures under Basel III for Q2, 2019
Leverage Ratio Disclosures under Basel III for Q2, 2019
Capital adequacy as at June 30, 2019  

CAD in thousands, except ratios


Tier – 1 capital  574,489 
Tier – 2 capital  15,259 
Total capital funds of the Bank  589,748 
Tier1 capital adequacy ratio  17.88% 
Total capital adequacy ratio  18.36% 
Capital Related Disclosures under Basel III for Q1, 2019
Leverage Ratio Disclosures under Basel III for Q1, 2019
Capital adequacy as at March 31, 2019  

CAD in thousands, except ratios


Tier – 1 capital  562,404 
Tier – 2 capital  15,141 
Total capital funds of the Bank  577,545 
Tier1 capital adequacy ratio  16.64% 
Total capital adequacy ratio  17.08% 
Pillar 3 Disclosures for the year ending December 31, 2018
Capital Related Disclosures under Basel III for Q4, 2018
Leverage Ratio Disclosures under Basel III for Q4, 2018
Capital adequacy as at December 31, 2018  

CAD in thousands, except ratios


Tier – 1 capital  573,977 
Tier – 2 capital  18,953 
Total capital funds of the Bank  592,930 
Tier1 capital adequacy ratio  16.02% 
Total capital adequacy ratio  16.55% 
Capital Related Disclosures under Basel III for Q3, 2018
Leverage Ratio Disclosures under Basel III for Q3, 2018
Capital adequacy as at September 30, 2018  

CAD in thousands, except ratios


Tier – 1 capital  558,644 
Tier – 2 capital  17,412 
Total capital funds of the Bank  576,056 
Tier1 capital adequacy ratio  16.74% 
Total capital adequacy ratio  17.26% 
Capital Related Disclosures under Basel III for Q2, 2018
Leverage Ratio Disclosures under Basel III for Q2, 2018
Capital adequacy as at June 30, 2018  

CAD in thousands, except ratios


Tier – 1 capital  546,792 
Tier – 2 capital  17,485 
Total capital funds of the Bank  564,277 
Tier1 capital adequacy ratio  17.03% 
Total capital adequacy ratio  17.57% 
Capital Related Disclosures under Basel III for Q1, 2018
Leverage Ratio Disclosures under Basel III for Q1, 2018
Capital adequacy as at March 31, 2018  

CAD in thousands, except ratios


Tier – 1 capital  532,734 
Tier – 2 capital  21,039 
Total capital funds of the Bank  553,773 
Tier1 capital adequacy ratio  16.65% 
Total capital adequacy ratio  17.31% 
Pillar 3 Disclosures for the year ending December 31, 2017
Capital Related Disclosures under Basel III for Q4, 2017
Leverage Ratio Disclosures under Basel III for Q4, 2017
Capital adequacy as at December 31, 2017  

CAD in thousands, except ratios


Tier – 1 capital  648,462 
Tier – 2 capital  0 
Total capital funds of the Bank  648,462 
Tier1 capital adequacy ratio  21.06% 
Total capital adequacy ratio  21.06% 
Capital Related Disclosures under Basel III for Q3, 2017
Leverage Ratio Disclosures under Basel III for Q3, 2017
Capital adequacy as at September 30, 2017  

CAD in thousands, except ratios


Tier – 1 capital  640,273 
Tier – 2 capital  0 
Total capital funds of the Bank  640,273 
Tier1 capital adequacy ratio  21.19% 
Total capital adequacy ratio  21.19% 
Capital Related Disclosures under Basel III for Q2, 2017
Leverage Ratio Disclosures under Basel III for Q2, 2017
Capital adequacy as at June 30, 2017  

CAD in thousands, except ratios


Tier – 1 capital  629,114 
Tier – 2 capital  0 
Total capital funds of the Bank  629,114 
Tier1 capital adequacy ratio  21.62% 
Total capital adequacy ratio  21.62% 
Capital Related Disclosures under Basel III for Q1, 2017
Leverage Ratio Disclosures under Basel III for Q1, 2017
Capital adequacy as at March 31, 2017  

CAD in thousands, except ratios


Tier – 1 capital  619,194 
Tier – 2 capital  0 
Total capital funds of the Bank  619,194 
Tier1 capital adequacy ratio  21.84% 
Total capital adequacy ratio  21.84% 
Pillar 3 Disclosures for the year ending December 31, 2016
Capital Related Disclosures under Basel III for Q4, 2016
Leverage Ratio Disclosures under Basel III for Q4, 2016
Capital adequacy as at December 31, 2016  

CAD in thousands, except ratios


Tier – 1 capital  733,796 
Tier – 2 capital  0 
Total capital funds of the Bank  733,796 
Tier1 capital adequacy ratio  24.65% 
Total capital adequacy ratio  24.65% 
Capital Related Disclosures under Basel III for Q3, 2016
Leverage Ratio Disclosures under Basel III for Q3, 2016
Capital adequacy as at September 30, 2016  

CAD in thousands, except ratios


Tier – 1 capital  771,108 
Tier – 2 capital  0 
Total capital funds of the Bank  771,108 
Tier1 capital adequacy ratio  24.91% 
Total capital adequacy ratio  24.91% 
Capital Related Disclosures under Basel III for Q2, 2016
Leverage Ratio Disclosures under Basel III for Q2, 2016
Capital adequacy as at June 30, 2016  

CAD in thousands, except ratios


Tier – 1 capital  779,805 
Tier – 2 capital  0 
Total capital funds of the Bank  779,805 
Tier1 capital adequacy ratio  22.51% 
Total capital adequacy ratio  22.51% 
Capital Related Disclosures under Basel III for Q1, 2016
Leverage Ratio Disclosures under Basel III for Q1, 2016
Capital adequacy as at March 31, 2016  

CAD in thousands, except ratios


Tier – 1 capital  779,077 
Tier – 2 capital  0 
Total capital funds of the Bank  779,077 
Tier1 capital adequacy ratio  23.63% 
Total capital adequacy ratio  23.63% 
Basel – Pillar 3 Disclosures for 2015
Pillar 3 Disclosures for the year ending December 31, 2015
Capital Related Disclosures under Basel III for Q4, 2015
Leverage Ratio Disclosures under Basel III for Q4, 2015
Capital adequacy as at December 31, 2015  

CAD in ‘000, except ratios


Tier – 1 capital  851,053 
Tier – 2 capital  0 
Total capital funds of the Bank  851,053 
Tier1 capital adequacy ratio  23.65% 
Total capital adequacy ratio  23.65% 
Capital Related Disclosures under Basel III for Q3, 2015
Capital adequacy as at September 30, 2015  

CAD in ‘000, except ratios


Tier – 1 capital  849,368 
Tier – 2 capital  0 
Total capital funds of the Bank  849,368 
Tier1 capital adequacy ratio  25.21% 
Total capital adequacy ratio  25.21% 
Capital Related Disclosures under Basel III for Q2 2015
Capital adequacy as at June 30, 2015  

CAD in ‘000, except ratios


Tier – 1 capital  846,018 
Tier – 2 capital  0 
Total capital funds of the Bank  846,018 
Tier1 capital adequacy ratio  27.66% 
Total capital adequacy ratio  27.66% 
Capital Related Disclosures under Basel III for Q1 2015
Capital adequacy as at March 31, 2015  

CAD in ‘000, except ratios


Tier – 1 capital  838,576 
Tier – 2 capital  25,000 
Total capital funds of the Bank  863,576 
Tier1 capital adequacy ratio  27.69% 
Total capital adequacy ratio  28.52% 
Pillar 3 Disclosures for the year ending December 31, 2014
Capital Related Disclosures under Basel III for Q4 2014
Capital adequacy as at December 31, 2014  

CAD in ‘000, except ratios


Tier – 1 capital  939,360 
Tier – 2 capital  30,000 
Total capital funds of the Bank  969,360 
Tier1 capital adequacy ratio  32.15% 
Total capital adequacy ratio  33.17% 
Capital Related Disclosures under Basel III for Q3 2014
Capital adequacy as at September 30, 2014  

CAD in ‘000, except ratios


Tier – 1 capital  939,898 
Tier – 2 capital  30,000 
Total capital funds of the Bank  969,898 
Tier1 capital adequacy ratio  32.92% 
Total capital adequacy ratio  33.98% 
Capital Related Disclosures under Basel III for Q2 2014
Capital adequacy as at June 30, 2014  

CAD in ‘000, except ratios


Tier – 1 capital  937,456 
Tier – 2 capital  35,000 
Total capital funds of the Bank  972,456 
Tier1 capital adequacy ratio  29.48% 
Total capital adequacy ratio  30.58% 
Capital Related Disclosures under Basel III for Q1 2014
Capital adequacy as at March 31, 2014  

CAD in ‘000, except ratios


Tier – 1 capital  923,654 
Tier – 2 capital  35,000 
Total capital funds of the Bank  958,654 
Tier1 capital adequacy ratio  28.65% 
Total capital adequacy ratio  29.73% 
Pillar 3 Disclosures for the year ending December 31, 2013
Capital Related Disclosures under Basel III for Q4 2013
Capital adequacy as at December 31, 2013  

CAD in ‘000, except ratios


Tier – 1 capital  947,264 
Tier – 2 capital  40,000 
Total capital funds of the Bank  987,264 
Tier1 capital adequacy ratio  30.33% 
Total capital adequacy ratio  31.61% 
Capital Related Disclosures under Basel III for Q3 2013
Capital adequacy as at September 30, 2013  

CAD in ‘000, except ratios


Tier – 1 capital  936,789 
Tier – 2 capital  40,000 
Total capital funds of the Bank  976,789 
Tier1 capital adequacy ratio  29.96% 
Total capital adequacy ratio  31.24% 
Capital Related Disclosures under Basel III for Q2 2013
Capital adequacy as at June 30, 2013  

CAD in ‘000, except ratios


Tier – 1 capital  924,544 
Tier – 2 capital  45,000 
Total capital funds of the Bank  969,544 
Tier1 capital adequacy ratio  29.57% 
Total capital adequacy ratio  31.01% 
Capital Related Disclosures under Basel III for Q1 2013
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 
Tier1 capital adequacy ratio  31.81% 
Total capital adequacy ratio  33.22% 
Pillar 3 Disclosures for the year ending December 31, 2012
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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 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 
Tier1 capital adequacy ratio  18.91% 
Total capital adequacy ratio  21.35% 