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
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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
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Franchise Businesses - Repeatable and growing earnings stream
- Focus on customer-driven products
- Operating franchise dealer of the future
- Consistently reinvest in competitive advantages
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Risk Discipline - Only take risks we understand
- Systematically eliminate tail risk
- Robust capital and liquidity management
- Culture and policies aligned with risk philosophy
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