Canada's second-largest lender reported an overall net profit of C$3.6 billion ($2.77 billion), or C2.51 per share, compared with C$4.3 billion, or C$2.97 per share, a year earlier.

($1 = 1.2974 Canadian dollars)

(Reporting by Mehnaz Yasmin in Bengaluru; Editing by Maju Samuel)