Skip to content
IR Magazine Awards - Canada Winner

Corporate Overview

Business Strategy

North American

  • Top 10 bank in North America
  • One of only a few banks globally to be rated Aa1 by Moody’s
  • Leverage platform and brand for growth
  • Strong employment brand

Retail Earnings Focus

  • Leader in customer service and convenience
  • Over 80% of adjusted earnings from retail
  • Strong organic growth engine
  • Better return for risk undertaken

Franchise Businesses

  • Repeatable and growing earnings stream
  • Focus on customer-driven products
  • Operating franchise dealer of the future
  • Consistently reinvest in competitive advantages

Risk Discipline

  • Only take risks we understand
  • Systematically eliminate tail risk
  • Robust capital and liquidity management
  • Culture and policies aligned with risk philosophy