| Interest and dividends income |
| Deposits with regulated financial institutions |
640,950 |
| Securities issued or guaranteed by Government of Canada, provinces, municipal or school |
370,556 |
| Other Securities |
2,164,420 |
| Loans |
| Non-mortgage loans |
| Individuals for non-business purposes |
3,550,711 |
| Others |
8,790,181 |
| Mortgages |
| Residential |
3,373,055 |
| Non-residential |
490,311 |
| Interest income on impaired loans |
67,118 |
| Other |
3,971 |
| Total interest income |
19,451,273 |
| Interest expense |
| Demand and notice deposits |
1,165,814 |
| Fixed term deposits |
4,914,456 |
| Subordinated debt |
225,736 |
| Other |
2,832,594 |
| Total interest expense |
9,138,600 |
| Net interest income |
10,312,673 |
| Charge for impairment |
662,214 |
| Net interest income after charge for impairment |
9,650,459 |
| Trading Income |
1,829,665 |
| Gains (Losses) on instruments held for other than trading purposes |
238,634 |
| Other Income |
| Service charges on retail and commercial deposit accounts |
970,627 |
| Credit and debit card service fees |
564,366 |
| Mortgage, standby, commitment and other loan fees |
502,718 |
| Acceptance, guarantees and letter of credit fees |
494,673 |
| Investment management and custodial services |
1,742,345 |
| Mutual(investment) fund, underwriting on new issues and securities commissions and fees |
3,437,348 |
| Foreign exchange revenue other than trading |
181,934 |
| Insurance related non-interest income (net) |
527,376 |
| Other |
882,663 |
| Total non-interest income |
11,372,349 |
| Net interest and other income |
21,022,808 |
| |
| Non-interest expenses |
| Salaries, pensions and other staff benefits |
7,459,135 |
| Premises and equipment |
| Rental of real estate, premises, furniture & fixtures |
908,563 |
| Computers & equipment |
1,844,413 |
| Other expenses |
| Advertising, public relations & business development |
673,436 |
| Office and general expenses |
281,814 |
| Capital and business taxes |
37,430 |
| Professional fees |
388,958 |
| Other |
2,019,215 |
| Total non-interest expenses |
13,612,964 |
| Net income before provision for income taxes |
7,409,844 |
| Provision for income taxes |
| Current |
1,351,040 |
| Deferred |
609,332 |
| Net income before discontinued operations |
5,449,472 |
| Discontinued operations |
0 |
| Net income attributable to equity holders and non-controlling interests |
5,449,472 |
| Net income attributable to non-controlling interests |
0 |
| Net income attributable to equity holders |
5,449,472 |
| |
| 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 |
5,449,472 |
| Other Comprehensive Income (loss) |
| Items that may be reclassified subsequently to net income: |
| Securities classified as fair value through other comprehensive income |
| Change in unrealized gains and losses |
| Equities (IAS 39) |
-18,382 |
| Debt |
-233,347 |
| Loans |
0 |
| Reclassification of (gains)/losses to net income |
-64,670 |
| Derivatives designed as cash flow hedges |
| Change in unrealized gains and losses |
-1,228,027 |
| Reclassification of (gains)/losses to net income |
336,484 |
| Foreign currency translation |
| Change in unrealized gains and losses |
416,758 |
| Impact of hedging |
-154,751 |
| 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 |
-945,935 |
| Items that will not be reclassified to net income: |
| Change in investments in equity instruments designated at FVOCI (IFRS 9) |
0 |
| Remeasurements of defined benefit plans |
260,955 |
| Other |
-24,041 |
| Subtotal of items that will not be reclassified to net income |
236,914 |
| Total other comprehensive income (loss) |
-709,021 |
| Total comprehensive income (loss) |
4,740,451 |
| Attributable to: |
| Equity holders of the bank |
4,740,451 |
| Non-controlling interests |
0 |
| |
| 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: |
| Securities classified as fair value through other comprehensive income |
| Equities (IAS 39) |
-10,641 |
| Debt |
-304,247 |
| Loans |
0 |
| Derivatives designed as cashflow hedges |
-1,073,986 |
| Foreign currency translation, net of hedging activities |
3,726,914 |
| 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 |
2,338,040 |
| Items that will not be reclassified to net income: |
| Other |
-36,182 |
| Subtotal of items that will not be reclassified to net income |
-36,182 |
| Total |
2,301,858 |