v3.22.2.2
Note 21 - Capital Management (Tables)
12 Months Ended
Oct. 31, 2022
Statement Line Items [Line Items]  
Disclosure of regulatory capital and capital ratios [text block]

(thousands of Canadian dollars)

            
             
  

2022

  

2022

  

2021

 
  

"Transitional"

  

"All in"

  

"All in"

 
             

Common Equity Tier 1 (CET1) capital

            

Directly issued qualifying common share capital

 $225,982  $225,982  $227,674 

Contributed surplus

  1,612   1,612   145 

Retained earnings

  109,335   109,335   90,644 

Accumulated other comprehensive income

  99   99   (4)

CET1 before regulatory adjustments

  337,028   337,028   318,459 

Regulatory adjustments applied to CET1

  (11,371)  (11,371)  (12,751)

Common Equity Tier 1 capital

 $325,657  $325,657  $305,708 
             

Additional Tier 1 capital

            

Directly issued qualifying Additional Tier 1 instruments

 $13,647  $13,647  $13,647 

Total Tier 1 capital

 $339,304  $339,304  $319,355 
             

Tier 2 capital

            

Directly issued capital instruments

 $107,367  $107,367  $97,910 

Tier 2 capital before regulatory adjustments

  107,367   107,367   97,910 

Eligible stage 1 and stage 2 allowance

  1,904   1,904   1,453 

Total Tier 2 capital

 $109,271  $109,271  $99,363 

Total regulatory capital

 $448,575  $448,575  $418,718 

Total risk-weighted assets

 $2,714,902  $2,714,902  $2,013,544 

Capital ratios

            

CET1 capital ratio

  12.00%  12.00%  15.18%

Tier 1 capital ratio

  12.50%  12.50%  15.86%

Total capital ratio

  16.52%  16.52%  20.80%

(thousands of Canadian dollars)

            
  

2022

  

2022

  

2021

 
  

"Transitional"

  

"All-in"

  

"All-in"

 
             

On-balance sheet assets

 $3,265,998  $3,265,998  $2,415,086 

Asset amounts adjusted in determining the Basel III Tier 1 capital

  (11,371)  (11,371)  (12,751)

Total on-balance sheet exposures

  3,254,627   3,254,627   2,402,335 
             

Off-balance sheet exposure at gross notional amount

 $443,124  $443,124  $342,710 

Adjustments for conversion to credit equivalent amount

  (251,101)  (251,101)  (210,065)

Off-balance sheet exposures

  192,023   192,023   132,645 
             

Tier 1 capital

  339,304   339,304   319,355 

Total exposures

  3,446,650   3,446,650   2,534,980 
             

Leverage ratio

  9.84%  9.84%  12.60%