Choice Through Innovation
Ultra Low-Risk Digital Model
Organization-Wide
Focus on Risk Mitigation
Technology-based
approach to risk
analysis/monitoring
Rigorous, multi-step,
multi-executive
approval process
Continuous, real-time
monitoring of credit
performance
Top-tier asset quality
High-liquidity ratio &
access to vast supply
of low-cost funds
Low operational risk:
branchless, digital
model & industry
leading security
Very Sticky Deposits
•
•
Insolvency Professionals: Long-term relationships based on unique, high-
value add, integrated technology
Wealth Management: 100% term deposit receipts/Depositors have no
direct access to deposits
98% insured (All Wealth Management deposits insured)
30+ Years with No Material Loan Losses
PCL as a % of
Average Loans
0.02%
(0.01%)
Average Provision for Credit
Losses as a % of Average Loans
0.00%
(Trailing 12-Quarters)
(0.02%) (0.02%) (0.02%)
0.02%
0.02%
(0.01%)
2017
2018
2019
2020
2021
2022
2023
Q1 2024
6View entire presentation