Why invest in CWB
Investments in our digital client experience position us for continued strong full-service client growth
Our capital ratios have remained stable through economic volatility, with upside
We are a disciplined lender that delivers strong growth within our prudent risk appetite with a history of low write-offs
We are capitalizing on a significant opportunity to grow our brand and market share in Ontario
We are the only full-service bank in Canada with a focus to meet the unique financial needs of business owners
expected with a successful AIRB transition
Comprehensive capabilities with unrivaled full-service client experiences
k i
i g
BUSINESS BANKING Full suite of financing and cash management solutions
PERSONAL BANKING Full complement of banking services
I
SPECIALIZED FINANCING Highly personalized service, specialized expertise within specific industries, customized solutions and faster response times WEALTH MANAGEMENT Discretionary wealth management, comprehensive financial planning and investment solutions offered through our boutique approach
OUR CLIENT
N I A
TRUST SERVICES Comprehensive trustee and custodial solutions for individuals and businesses
STRONG CREDIT QUALITY %
1.50
Our five-year and ten-year average write-offs as a percentage of average loans (1) are 20 and 18 basis points, respectively.
1.20
0.90
0.60
0.30
Gross impaired loans as a % of gross loans
0.00
10 11
12 13 14 15 16
17 18 19 20 21
Write-offs as a % of average loans (1)
(1) Non-GAAP measure – refer to definitions and detail provided on page 18.
CWB Financial Group 2021 Annual Report | 3
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