Disclosure of regulatory capital and capital ratios [text block] |
(thousands of Canadian dollars) | | | | | | | | |
| | April 30 | | | October 31 | |
| | 2025 | | | 2024 | |
| | | | | | | | |
| | | | | | | | |
Common Equity Tier 1 (CET1) capital | | | | | | | | |
Directly issued qualifying common share capital | | $ | 329,799 | | | $ | 215,610 | |
Contributed surplus | | | 2,540 | | | | 2,485 | |
Retained earnings | | | 196,284 | | | | 181,238 | |
Accumulated other comprehensive income (loss) | | | (317 | ) | | | (130 | ) |
CET1 before regulatory adjustments | | | 528,306 | | | | 399,203 | |
Regulatory adjustments applied to CET1 | | | (21,084 | ) | | | (25,700 | ) |
Common Equity Tier 1 capital | | $ | 507,222 | | | $ | 373,503 | |
| | | | | | | | |
Additional Tier 1 capital | | | | | | | | |
Directly issued qualifying Additional Tier 1 instruments | | $ | - | | | $ | - | |
Total Tier 1 capital | | $ | 507,222 | | | $ | 373,503 | |
| | | | | | | | |
Tier 2 capital | | | | | | | | |
Directly issued Tier 2 capital instruments | | $ | 103,590 | | | $ | 104,370 | |
Tier 2 capital before regulatory adjustments | | | 103,590 | | | | 104,370 | |
Eligible stage 1 and stage 2 allowance | | | 4,958 | | | | 3,303 | |
Total Tier 2 capital | | $ | 108,548 | | | $ | 107,673 | |
Total regulatory capital | | $ | 615,770 | | | $ | 481,176 | |
Total risk-weighted assets | | $ | 3,551,398 | | | $ | 3,323,595 | |
Capital ratios | | | | | | | | |
CET1 capital ratio | | | 14.28 | % | | | 11.24 | % |
Tier 1 capital ratio | | | 14.28 | % | | | 11.24 | % |
Total capital ratio | | | 17.34 | % | | | 14.48 | % |
(thousands of Canadian dollars) | | | | | | | | |
| | April 30 | | | October 31 | |
| | 2025 | | | 2024 | |
| | | | | | | | |
| | | | | | | | |
On-balance sheet assets | | $ | 5,047,133 | | | $ | 4,838,484 | |
Assets amounts adjusted in determining the Basel III | | | | | | | | |
Tier 1 capital | | | (21,084 | ) | | | (25,700 | ) |
Total on-balance sheet exposures | | | 5,026,049 | | | | 4,812,784 | |
| | | | | | | | |
Total off-balance sheet exposure at gross notional amount | | $ | 694,300 | | | $ | 701,104 | |
Adjustments for conversion to credit equivalent amount | | | (443,374 | ) | | | (451,759 | ) |
Total off-balance sheet exposures | | | 250,926 | | | | 249,345 | |
| | | | | | | | |
Tier 1 capital | | | 507,222 | | | | 373,503 | |
Total exposures | | | 5,276,975 | | | | 5,062,129 | |
| | | | | | | | |
Leverage ratio | | | 9.61 | % | | | 7.38 | % |
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