SMSB Segmentation Category

The Bank is currently categorized as Category II SMSB in accordance with OSFI’s Small and Medium-Sized Deposit-Taking 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:

https://www.osfi-bsif.gc.ca/Eng/wt- ow/Pages/FINDAT.aspx

Frequency of Reporting

OSFI expects SMSBs to adhere to its Guidelines for frequency and format of pillar III reporting. Accordingly, the Bank’s relevant quantitative disclosure are provided quarterly and the general qualitative information of credit risk and operational risk are included as a part of the annual pillar 3 disclosures. 

 

Basel – Pillar 3 Disclosures for 2023

Pillar 3 Disclosures for the year ending December 31, 2023

Capital Related Disclosures under Basel III for Q4, 2023

Leverage Ratio Disclosures under Basel III for Q4, 2023

Key metrics for Q4, 2023

Capital adequacy as at December 31, 2023
CAD in thousands, except ratios
Tier – 1 capital
463,221
Tier – 2 capital
18,557
Total capital funds of the Bank 481,778
Tier-1 capital adequacy ratio
17.82%
Total capital adequacy ratio

18.53%

 

 

Capital Related Disclosures under Basel III  for Q3, 2023

Leverage Ratio Disclosures under Basel III for Q3, 2023

Capital adequacy as at September 30, 2023
CAD in thousands, except ratios
Tier – 1 capital
422,491
Tier – 2 capital
15,761
Total capital funds of the Bank 458,252
Tier-1 capital adequacy ratio
17.82%
Total capital adequacy ratio

18.46%

 

 

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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 capital adequacy ratio 23.33%
Total capital adequacy ratio 24.09%
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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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
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%

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
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%

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
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%

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
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%

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
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%

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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
Tier-1 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
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%

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