Canada’s Banking Industry

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Presentation transcript:

Canada’s Banking Industry Rohan Appadurai Retd. Managing Director and Head, International Banking & Mining Finance

Canadian Banking Industry Cdn. Banking Industry is dominated by the Big Six (oligopoly) Regulated by the Bank Act Supervised by OSFI Better Capitalized (reserves, liquidity) Conservative Risk Appetite Deposit taking Institutions Better Credit ratings (access to capital) Ownership restrictions

Canadian Banking Industry 2008 Financial crisis – Cdn banks performed better than a number of their US and European peers. Contrast JPM, BoA, Citi to Goldman Sachs (Buffett), Morgan Stanley (BOTM) and Merrill Lynch (BOA) International role of Cdn banks TD: North American focus (Retail/Business/Cards) RBC: Wholesale banking (Lehman/Bear Stearns) Scotia: International – S. America (lending) BMO: Harris & MI bank (US mid west) CIBC: Cdn/Wealth National: Domestic focus

Typical Banking Services Retail/Wealth/Asset management/Cards/Insurance Business Banking Wholesale – Investment banking Credit Advisory (M&A) Relationship Management Equity Fixed Income (DCM, Govt’s Corporates, HY) Transaction Banking (Cash management, Correspondent Banking, Trade finance)

Top 18 Safest Commercial Banks: Global Finance 2014 TD Bank Group Westpac DBS Bank Nordea Oversea-Chinese Banking Corporation Bank of Nova Scotia Svenska Handelsbanken United Overseas Bank Hang Seng Bank Rabobank Caisse centrale Desjardins Royal Bank of Canada National Australia Bank HSBC Commonwealth Bank of Australia Bank of Montreal CIBC ANZ Group