Q2 F2023 - Bank of the West Contribution & Financial Results
Strong and stable balance sheet, capital and liquidity
Balance Sheet (As At)
Total Assets ($B)
1,251
Deposits ($B)
875
Net Loans &
Acceptances ($B)
645
Book Value Per
Share ($)
$96.92
950
1,042
714
657
Other
Deposits
457
628
512
474
■Customer
Deposits
Q2'21 Q2'22 Q2'23
Capital & Liquidity
CET1 Ratio¹ (%)
13.0
16.0
Q2'21 Q2'22 Q2'23
Leverage Ratio² (%)
5.1
5.4
4.2
12.2
11%
regulatory
minimum
3.5%
regulatory
minimum
516
Q2'21 Q2'22 Q2'23
TLAC Ratio³ (%)
30.7
27.0
24.2
24.5%
regulatory
minimum
$76.72
$89.17
Q2'21 Q2'22 Q2'23
Liquidity Coverage
Ratio4
129 129
129
100%
regulatory
minimum
Q2'21 Q2'22 Q2'23
Q2'21 Q2'22 Q2'23
Q2'21 Q2'22 Q2'23
Q2'21 Q2'22 Q2'23
1 The Common Equity Tier 1 (CET1) Ratio is disclosed in accordance with OSFI's Capital Adequacy Requirements (CAR) Guidelines; regulatory minimum of 11.0% as at Q2'23, 10.5% as at Q2'22, 9.0% as at Q2'21
2 Leverage Ratio regulatory minimum of 3.5% as at Q2'23, 3.0% as at Q2'22, 3.0% as at Q2'21
3 Total Loss Absorbing Capacity (TLAC) Ratio regulatory minimum based on OSFI capital requirements of 24.5% as at Q2'23, 24.0% as at Q2'22, and 22.5% as at Q2'21
4 Liquidity Coverage Ratio (LCR) is disclosed in accordance with OSFI's Liquidity Adequacy Requirements Guideline; regulatory minimum of 100% for all periods shown
BMOM
Strategic Highlights ⚫ May 24, 2023
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