Choice Through Innovation
Digital Banking Growth Strategy: Momentum for the Future
Goal: Maximize ROCE Through Growth in Total Assets, Balancing Net
Interest Margin and Low-Capital Deployment Opportunities
1
Grow Loan Portfolio
via Point-of-Sale/RPP
programs in Canada and U.S.
Expand Point-of-Sale Financing
portfolio: Add new partners & increase
volumes with existing partners
Grow Recently Launched U.S.
Receivable Purchase Program (U.S.
version of Point-of-Sale Financing
solution)
2
Minimize Cost of Funding
to Maximize Net Interest Margin
Expand insolvency deposits: Higher
volumes w/ existing partners & adding
new partners
Expand wealth management deposits
by adding new partners
Introduce commercial deposit
offerings to new markets
3
Pursue Accretive Acquisitions
to Leverage Scalability of
Platform & Enter New Markets
Generate capital-efficient, step
function growth in loan portfolio
Provide ability to expedite roll out of
offerings in new markets
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