FY 2021 BALANCED APPROACH BETWEEN INVESTMENT AND COST MANAGEMENT
STRONG CAPITAL POSITION
CET1 Ratio (1)
0.46%
12.19%
0.06%
(0.17%)
(0.11%)
12.43%
Strong CET1 ratio of 12.4% (2) while
generating robust organic growth throughout
the year
RWA
(Ex. FX)
Acquisition of
Flinks
Other
Q4 21
Q3 21
Net Income
Ex. Flinks
(Net of Div.)
Risk-Weighted Assets (1)
($MM)
$103,139
$222
$1,299
($302)
$104,358
■ RWA growth in Q4 primarily driven by loan
growth across all segments
■ Positive impact from rating migration (5 bps)
Q3 21
Credit Risk
Operational
Risk
Market Risk
Q4 21
(1) Represents a capital management measure. See slide 2.
(2) Ratio takes into account the transitional relief measures granted by OSFI in the context of COVID-19 (12.3% excluding ECL transitional relief measures). For
additional details regarding relief measures introduced by the regulatory authorities, see page 17 of the Bank's 2021 Annual Report to Shareholders.
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