| Interest and dividends income |
| Deposits with regulated financial institutions |
324,036 |
| Securities issued or guaranteed by Government of Canada, provinces, municipal or school |
218,402 |
| Other Securities |
1,726,708 |
| Loans |
| Non-mortgage loans |
| Individuals for non-business purposes |
3,234,169 |
| Others |
6,925,607 |
| Mortgages |
| Residential |
3,032,342 |
| Non-residential |
304,742 |
| Interest income on impaired loans |
66,712 |
| Other |
699 |
| Total interest income |
15,833,417 |
| Interest expense |
| Demand and notice deposits |
612,583 |
| Fixed term deposits |
3,302,525 |
| Subordinated debt |
154,924 |
| Other |
1,755,772 |
| Total interest expense |
5,825,804 |
| Net interest income |
10,007,613 |
| Charge for impairment |
774,955 |
| Net interest income after charge for impairment |
9,232,658 |
| Trading Income |
1,351,774 |
| Gains (Losses) on instruments held for other than trading purposes |
171,296 |
| Other Income |
| Service charges on retail and commercial deposit accounts |
958,956 |
| Credit and debit card service fees |
414,750 |
| Mortgage, standby, commitment and other loan fees |
468,480 |
| Acceptance, guarantees and letter of credit fees |
448,617 |
| Investment management and custodial services |
1,621,656 |
| Mutual(investment) fund, underwriting on new issues and securities commissions and fees |
3,416,573 |
| Foreign exchange revenue other than trading |
191,375 |
| Insurance related non-interest income (net) |
531,766 |
| Other |
1,139,661 |
| Total non-interest income |
10,714,904 |
| Net interest and other income |
19,947,562 |
| |
| Non-interest expenses |
| Salaries, pensions and other staff benefits |
7,466,660 |
| Premises and equipment |
| Rental of real estate, premises, furniture & fixtures |
815,216 |
| Computers & equipment |
1,675,972 |
| Other expenses |
| Advertising, public relations & business development |
693,225 |
| Office and general expenses |
285,650 |
| Capital and business taxes |
37,652 |
| Professional fees |
397,301 |
| Other |
1,930,053 |
| Total non-interest expenses |
13,301,729 |
| Net income before provision for income taxes |
6,645,833 |
| Provision for income taxes |
| Current |
1,271,939 |
| Deferred |
24,256 |
| Net income before discontinued operations |
5,349,638 |
| Discontinued operations |
0 |
| Net income attributable to equity holders and non-controlling interests |
5,349,638 |
| Net income attributable to non-controlling interests |
1,547 |
| Net income attributable to equity holders |
5,348,091 |
| |
| SCHEDULE 1 - Comprehensive income (loss), attributable to equity holders and non-controlling interests, net of taxes |
| Net income attributable to equity holders and non-controlling interests |
5,349,638 |
| Other Comprehensive Income (loss) |
| Items that may be reclassified subsequently to net income: |
| Available for sale securities |
| Change in unrealized gains and losses |
| Equities |
48,939 |
| Debt |
45,633 |
| Loans |
0 |
| Reclassification of (gains)/losses to net income |
-87,180 |
| Derivatives designed as cash flow hedges |
| Change in unrealized gains and losses |
-838,870 |
| Reclassification of (gains)/losses to net income |
60,551 |
| Foreign currency translation |
| Change in unrealized gains and losses |
-885,239 |
| Impact of hedging |
23,333 |
| Share of other comprehensive income (loss) of associates and joint ventures |
0 |
| Other |
0 |
| Subtotal of items that may be reclassified subsequently to net income |
-1,632,833 |
| Items that will not be reclassified to net income: |
| Remeasurements of defined benefit plans |
420,694 |
| Other |
-147,743 |
| Subtotal of items that will not be reclassified to net income |
272,951 |
| Total other comprehensive income (loss) |
-1,359,882 |
| Total comprehensive income (loss) |
3,989,756 |
| Attributable to: |
| Equity holders of the bank |
3,988,209 |
| Non-controlling interests |
1,547 |
| |
| SCHEDULE 2 - Accumulated other comprehensive income (loss), attributable to equity holders, net of taxes |
| Accumulated gains (losses) on: |
| Items that may be reclassified subsequently to net income: |
| Available for sale securities |
| Equities |
62,536 |
| Debt |
-6,235 |
| Loans |
0 |
| Derivatives designed as cashflow hedges |
-182,443 |
| Foreign currency translation, net of hedging activities |
3,464,907 |
| Share of other comprehensive income (loss) of associates and joint ventures |
0 |
| Other |
0 |
| Subtotal of items that may be reclassified subsequently to net income |
3,338,765 |
| Items that will not be reclassified to net income: |
| Other |
-273,096 |
| Subtotal of items that will not be reclassified to net income |
-273,096 |
| Total |
3,065,669 |