Why invest in CWB Focused investments in our core capabilities support the unrivaled experience we provide to clients as the best full-service bank for business owners in Canada
TABLE OF CONTENTS
Message From President & CEO.....02 Message From Chair of the Board...08 Management’s Discussion and Analysis.................. 14 Consolidated Financial Statements............. 61 Shareholder Information. .......... 110 Five Year Financial Summary. ..............111
Our differentiated market position provides significant growth opportunities to serve the full-service needs of more business owners across the country
We are a disciplined lender that consistently delivers strong growth with a history of low credit losses through economic cycles
We maintain strong capital ratios and expect a successful AIRB transition to unlock the capital strength embedded in our business model
Strategic Direction We invest in key products, services, processes, and culture to provide an unrivaled client experience, be a career destination for top talent, and optimize our business to deliver enhanced shareholder value. Our strategic direction confirms our path ahead and outlines our key priorities to further strengthen our position as the best full-service bank for business owners in Canada.
BEST FULL-SERVICE BANK FOR BUSINESS OWNERS IN CANADA
ORGANIZATIONAL GOALS
Destination for top talent (People)
Optimize our business (Investors)
Unrivaled client experience (Clients)
OUR FOCUS
AIRB supported by a scalable operating model
Inclusive culture & employee experience
Elevated digital & payments capabilities
Dierentiated wealth management experience
Lower-cost funding model
Market & segment expansion
OUTCOMES
Accelerated growth of full-service client relationships
Strong core operating performance with meaningful expansion of return on equity
CWB Financial Group 2022 Annual Report | 1
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