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Market Closed -
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5-day change | 1st Jan Change | ||
| 224.72 CAD | +0.29% |
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+3.97% | +29.66% |
| Fiscal Period: October | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||||
Return on Assets | 0.96 | 0.87 | 0.76 | 0.78 | 0.91 | |||||
Return On Equity % | 17.3 | 15.28 | 13.16 | 13.4 | 15.3 | |||||
Return on Common Equity | 18.28 | 16.13 | 13.85 | 14.09 | 16.19 | |||||
Shareholders Value Added | 5.93B | 4.49B | 2.53B | 3.23B | 6.25B | |||||
Margin Analysis | ||||||||||
SG&A Margin | 44.39 | 46.96 | 49.35 | 54.18 | 50.23 | |||||
Net Interest Income / Total Revenues % | 39.65 | 46.84 | 46.83 | 51.66 | 53.02 | |||||
EBT Excl. Non-Recurring Items Margin % | 40.9 | 41.46 | 34.41 | 36.71 | 41.21 | |||||
Income From Continuing Operations Margin % | 31.82 | 32.59 | 27.7 | 30.01 | 32.72 | |||||
Net Income Margin % | 31.79 | 32.56 | 27.69 | 29.99 | 32.71 | |||||
Net Avail. For Common Margin % | 31.28 | 32.06 | 27.25 | 29.4 | 31.92 | |||||
Normalized Net Income Margin | 25.54 | 25.89 | 21.49 | 22.92 | 25.75 | |||||
Asset quality | ||||||||||
Nonperforming Loans / Total Loans % | 0.32 | 0.27 | 0.43 | 0.59 | 0.83 | |||||
Nonperforming Loans / Total Assets % | 0.14 | 0.11 | 0.18 | 0.27 | 0.37 | |||||
Nonperforming Assets / Total Assets % | 0.14 | 0.11 | 0.18 | 0.27 | 0.37 | |||||
NPAs / Loans and OREO | 0.32 | 0.27 | 0.43 | 0.59 | 0.83 | |||||
NPAs / Equity | 2.34 | 2.03 | 3.15 | 4.61 | 6.24 | |||||
Allowance for Credit Losses / Net Charge-offs % | 514.99 | 491.87 | 412.53 | 290.38 | 245.94 | |||||
Allowance for Credit Losses / Nonperforming Loans % | 177.17 | 170.67 | 135.1 | 102.9 | 81.7 | |||||
Allowance for Credit Losses / Total Loans % | 0.57 | 0.46 | 0.58 | 0.61 | 0.68 | |||||
Net Charge-offs / Total Average Loans % | 0.12 | 0.1 | 0.15 | 0.23 | 0.29 | |||||
Provision for Loan Losses / Net Charge-offs % | -94.84 | 63.43 | 203.46 | 155.46 | 151.25 | |||||
Earning Assets / IBL | 112.42 | 115.2 | 114.61 | 114.77 | 114.6 | |||||
Interest Income / Average Assets | 1.68 | 2.16 | 4.34 | 4.98 | 4.33 | |||||
Interest Expense / Average Assets | 0.49 | 0.96 | 3.09 | 3.65 | 2.95 | |||||
Net Interest Income / Average Assets | 1.19 | 1.2 | 1.25 | 1.33 | 1.38 | |||||
Non Interest Income / Average Assets | 1.77 | 1.39 | 1.55 | 1.39 | 1.4 | |||||
Non Interest Expense / Average Asset | 1.78 | 1.5 | 1.76 | 1.62 | 1.53 | |||||
Capital And Funding | ||||||||||
Total Average Common Equity / Total Average Assets % | 5.18 | 5.32 | 5.38 | 5.4 | 5.46 | |||||
Total Average Equity / Total Average Assets % | 5.57 | 5.71 | 5.76 | 5.8 | 5.92 | |||||
Total Equity + Allowance for Loan Losses / Total Loans % | 14.22 | 13.56 | 14.29 | 13.48 | 13.92 | |||||
Gross Loans / Total Deposits % | 65.62 | 68.19 | 69.69 | 70.09 | 69.28 | |||||
Net Loans / Total Deposits % | 65.25 | 67.88 | 69.29 | 69.66 | 68.82 | |||||
Tier 1 Capital Ratio % | 14.9 | 13.8 | 15.7 | 14.6 | 15.1 | |||||
Total Capital Ratio % | 16.7 | 15.4 | 17.6 | 16.4 | 16.8 | |||||
Core Tier 1 Capital Ratio | 13.7 | 12.6 | 14.5 | 13.2 | 13.5 | |||||
Tier 2 Capital Ratio | 1.77 | 1.58 | 1.85 | 1.86 | 1.64 | |||||
Coverage Ratio | 177.17 | 170.67 | 135.1 | 102.9 | 81.7 | |||||
Interbank Ratio | 127.4 | 133.93 | 108.26 | 118.07 | 109.41 | |||||
Fixed Charges Coverage | ||||||||||
EBT + Interest on Borrowings / Interest on Borrowings | 8.66 | 3.75 | 1.73 | 1.67 | 1.99 | |||||
EBT + Interest Expense / Interest Expense | 3.53 | 2.11 | 1.3 | 1.26 | 1.36 | |||||
Growth Over Prior Year | ||||||||||
Net Interest Income, 1 Yr. Growth % | -4 | 13.57 | 10.62 | 11.24 | 18.06 | |||||
Non Interest Income, 1 Yr. Growth % | 12.7 | -11.53 | 18.01 | 11.6 | 14.34 | |||||
Provision For Loan Losses, 1 Yr. Growth % | -117.31 | -164.28 | 409.92 | 30.96 | 34.96 | |||||
Total Revenues, 1 Yr. Growth % | 17.78 | -3.86 | 10.64 | 10.44 | 15.03 | |||||
Earnings From Cont. Operations, 1 Yr. Growth % | 40.33 | -1.51 | -5.95 | 11.14 | 25.42 | |||||
Net Income, 1 Yr. Growth % | 40.29 | -1.52 | -5.92 | 11.13 | 25.46 | |||||
Normalized Net Income, 1 Yr. Growth % | 43.33 | -2.54 | -8.13 | 9.21 | 29.19 | |||||
Diluted EPS Before Extra, 1 Yr. Growth % | 41.38 | 0 | -5.06 | 9.01 | 25.07 | |||||
Dividend Per Share, 1 Yr. Growth % | 0.7 | 14.81 | 7.66 | 4.87 | 7.86 | |||||
Gross Loans, 1 Yr. Growth % | 8.21 | 14.11 | 4.13 | 15.1 | 6.29 | |||||
Allowance For Loan Losses, 1 Yr. Growth % | -27.49 | -8.22 | 33.33 | 20.64 | 17.49 | |||||
Net Loans, 1 Yr. Growth % | 8.52 | 14.24 | 4 | 15.07 | 6.22 | |||||
Non Performing Loans, 1 Yr. Growth % | -27.76 | -4.72 | 68.44 | 58.4 | 47.98 | |||||
Non Performing Assets, 1 Yr. Growth % | -27.76 | -4.72 | 68.44 | 58.4 | 47.98 | |||||
Total Assets, 1 Yr. Growth % | 5.03 | 12.36 | 4.58 | 8.23 | 7.06 | |||||
Total Deposits, 1 Yr Growth % | 8.79 | 9.81 | 1.89 | 14.44 | 7.53 | |||||
Tangible Book Value, 1 Yr. Growth % | 18.55 | 7.47 | 11.48 | 1.95 | 10.59 | |||||
Average Interest Earning Assets, 1 Yr. Growth % | 0.38 | 13.66 | 8.87 | 8.67 | 12.56 | |||||
Average Interest Bearing Liabilities, 1 Yr. Growth % | 0.63 | 10.91 | 9.44 | 8.51 | 12.73 | |||||
Common Equity, 1 Yr. Growth % | 13.95 | 9.53 | 9.53 | 9.58 | 7.93 | |||||
Total Equity, 1 Yr. Growth % | 13.82 | 9.53 | 8.86 | 10.46 | 9.4 | |||||
Compound Annual Growth Rate Over Two Years | ||||||||||
Net Interest Income, 2 Yr. CAGR % | 0.64 | 4.42 | 12.09 | 10.93 | 14.6 | |||||
Non Interest Income, 2 Yr. CAGR % | 6.35 | -0.15 | 2.18 | 5.78 | 12.96 | |||||
Provision For Loan Losses, 2 Yr. CAGR % | -36.44 | -66.65 | 81.04 | 158.41 | 32.94 | |||||
Total Revenues, 2 Yr. CAGR % | 6.91 | 6.41 | 3.14 | 5.63 | 12.71 | |||||
Earnings From Cont. Operations, 2 Yr. CAGR % | 11.67 | 17.56 | -3.76 | 1.36 | 18.07 | |||||
Net Income, 2 Yr. CAGR % | 11.67 | 17.54 | -3.75 | 1.37 | 18.08 | |||||
Normalized Net Income, 2 Yr. CAGR % | 13.87 | 18.19 | -5.38 | -0.6 | 18.78 | |||||
Diluted EPS Before Extra, 2 Yr. CAGR % | 12.43 | 18.9 | -2.56 | 0.86 | 16.76 | |||||
Dividend Per Share, 2 Yr. CAGR % | 3.03 | 7.53 | 11.18 | 6.26 | 6.35 | |||||
Gross Loans, 2 Yr. CAGR % | 7.68 | 11.13 | 9.01 | 9.47 | 10.61 | |||||
Allowance For Loan Losses, 2 Yr. CAGR % | 14.85 | -18.42 | 10.62 | 26.83 | 19.06 | |||||
Net Loans, 2 Yr. CAGR % | 7.64 | 11.34 | 9 | 9.39 | 10.56 | |||||
Non Performing Loans, 2 Yr. CAGR % | -11.94 | -17.04 | 26.68 | 63.34 | 53.1 | |||||
Non Performing Assets, 2 Yr. CAGR % | -11.94 | -17.04 | 26.68 | 63.34 | 53.1 | |||||
Total Assets, 2 Yr. CAGR % | 9.28 | 8.63 | 8.4 | 6.43 | 7.64 | |||||
Total Deposits, 2 Yr CAGR % | 11.47 | 9.3 | 5.78 | 7.98 | 10.93 | |||||
Tangible Book Value, 2 Yr. CAGR % | 11.28 | 12.87 | 9.46 | 5.08 | 6.18 | |||||
Average Interest Earning Assets, 2 Yr. CAGR % | 4.69 | 6.82 | 11.24 | 8.77 | 10.6 | |||||
Average Interest Bearing Liabilities, 2 Yr. CAGR % | 6.35 | 5.65 | 10.17 | 8.97 | 10.6 | |||||
Common Equity, 2 Yr. CAGR % | 8.72 | 11.72 | 9.53 | 8.25 | 8.75 | |||||
Total Equity, 2 Yr. CAGR % | 8.67 | 11.66 | 9.2 | 8.43 | 9.93 | |||||
Compound Annual Growth Rate Over Three Years | ||||||||||
Net Interest Income, 3 Yr. CAGR % | 3.67 | 4.78 | 6.45 | 11.8 | 13.25 | |||||
Non Interest Income, 3 Yr. CAGR % | 6.44 | 0.02 | 5.57 | -0.34 | 8.56 | |||||
Provision For Loan Losses, 3 Yr. CAGR % | -16.79 | -36.2 | -17.22 | 62.51 | 108.1 | |||||
Total Revenues, 3 Yr. CAGR % | 6.92 | 3.19 | 7.8 | 2.37 | 8.67 | |||||
Earnings From Cont. Operations, 3 Yr. CAGR % | 8.89 | 7.09 | 9.13 | 0.39 | 8.82 | |||||
Net Income, 3 Yr. CAGR % | 8.95 | 7.09 | 9.13 | 0.4 | 8.84 | |||||
Normalized Net Income, 3 Yr. CAGR % | 9.47 | 8.11 | 8.67 | -1.25 | 8.47 | |||||
Diluted EPS Before Extra, 3 Yr. CAGR % | 9.77 | 8.12 | 10.31 | 0.57 | 8.35 | |||||
Dividend Per Share, 3 Yr. CAGR % | 4.64 | 6.81 | 7.57 | 9.04 | 6.79 | |||||
Gross Loans, 3 Yr. CAGR % | 7.54 | 9.78 | 8.74 | 11 | 8.4 | |||||
Allowance For Loan Losses, 3 Yr. CAGR % | 11.98 | 6.58 | -3.9 | 13.87 | 23.64 | |||||
Net Loans, 3 Yr. CAGR % | 7.52 | 9.8 | 8.84 | 10.98 | 8.32 | |||||
Non Performing Loans, 3 Yr. CAGR % | 1.87 | -9.59 | 5.05 | 36.48 | 58.05 | |||||
Non Performing Assets, 3 Yr. CAGR % | 1.87 | -9.59 | 5.05 | 36.48 | 58.05 | |||||
Total Assets, 3 Yr. CAGR % | 8.53 | 10.29 | 7.27 | 8.37 | 6.64 | |||||
Total Deposits, 3 Yr CAGR % | 9.6 | 10.91 | 6.77 | 8.59 | 7.83 | |||||
Tangible Book Value, 3 Yr. CAGR % | 9.92 | 10 | 12.41 | 5.87 | 6.89 | |||||
Average Interest Earning Assets, 3 Yr. CAGR % | 7.24 | 7.6 | 7.5 | 10.38 | 10.02 | |||||
Average Interest Bearing Liabilities, 3 Yr. CAGR % | 8.78 | 7.85 | 6.9 | 9.62 | 10.21 | |||||
Common Equity, 3 Yr. CAGR % | 7.74 | 8.99 | 10.98 | 8.67 | 8.14 | |||||
Total Equity, 3 Yr. CAGR % | 7.3 | 8.96 | 10.72 | 8.8 | 8.76 | |||||
Compound Annual Growth Rate Over Five Years | ||||||||||
Net Interest Income, 5 Yr. CAGR % | 3.89 | 5.8 | 6.96 | 7.2 | 9.63 | |||||
Non Interest Income, 5 Yr. CAGR % | 5.93 | 2.23 | 4.71 | 2.28 | 4.99 | |||||
Provision For Loan Losses, 5 Yr. CAGR % | -13.4 | -15.89 | 13.56 | 11.64 | 0.05 | |||||
Total Revenues, 5 Yr. CAGR % | 6.25 | 4.18 | 5.39 | 4.16 | 7.76 | |||||
Earnings From Cont. Operations, 5 Yr. CAGR % | 8.94 | 6.63 | 3.64 | 4.76 | 12.24 | |||||
Net Income, 5 Yr. CAGR % | 9.04 | 6.69 | 3.68 | 4.76 | 12.24 | |||||
Normalized Net Income, 5 Yr. CAGR % | 9.3 | 6.58 | 3.27 | 4.54 | 12.26 | |||||
Diluted EPS Before Extra, 5 Yr. CAGR % | 10.29 | 7.91 | 4.66 | 5.15 | 12.46 | |||||
Dividend Per Share, 5 Yr. CAGR % | 5.92 | 7.34 | 7.21 | 6.59 | 7.08 | |||||
Gross Loans, 5 Yr. CAGR % | 6.59 | 8.59 | 8.13 | 9.66 | 9.48 | |||||
Allowance For Loan Losses, 5 Yr. CAGR % | 12.84 | 11.69 | 11.44 | 14.26 | 4.69 | |||||
Net Loans, 5 Yr. CAGR % | 6.56 | 8.58 | 8.11 | 9.64 | 9.52 | |||||
Non Performing Loans, 5 Yr. CAGR % | -9.97 | -3.12 | 11.15 | 14.54 | 22.13 | |||||
Non Performing Assets, 5 Yr. CAGR % | -9.97 | -3.12 | 11.15 | 14.54 | 22.13 | |||||
Total Assets, 5 Yr. CAGR % | 7.65 | 9.59 | 8.48 | 8.73 | 7.43 | |||||
Total Deposits, 5 Yr CAGR % | 7.76 | 8.89 | 8.05 | 9.73 | 8.42 | |||||
Tangible Book Value, 5 Yr. CAGR % | 9.59 | 9.67 | 9.73 | 8 | 9.24 | |||||
Average Interest Earning Assets, 5 Yr. CAGR % | 6.73 | 8.92 | 8.82 | 8.06 | 8.73 | |||||
Average Interest Bearing Liabilities, 5 Yr. CAGR % | 7.83 | 9.68 | 9.33 | 8.3 | 8.36 | |||||
Common Equity, 5 Yr. CAGR % | 7.42 | 8.37 | 8.45 | 8.69 | 9.56 | |||||
Total Equity, 5 Yr. CAGR % | 6.64 | 7.77 | 8.05 | 8.75 | 9.91 |
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