Canada Deposit Insurance Corporation Differential Premiums By-law (SOR/2025-165)

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Regulations are current to 2026-03-17

The following schedule is not in force.

SCHEDULE 2(Section 6)

Quantitative Factors

Item	Factor	Description	Score
	Column 1	Column 2	Column 3
1	Total Loss Absorbing Capacity (TLAC) Leverage Ratio¹	(a) ≥ 110% of the Minimum TLAC Leverage Ratio	5
		(b) ≥ 100% and < 110% of the Minimum TLAC Leverage Ratio	3
		(c) < 100% of the Minimum TLAC Leverage Ratio	0
2	Common Equity Tier 1 (CET1) Capital Ratio and Risk-Based TLAC Ratio¹	(a) CET1 Capital Ratio is ≥ Supervisory Target CET1 Capital Ratio and Risk-based TLAC Ratio is ≥ Supervisory Target Risk-based TLAC Ratio	5
		(b) Either CET1 Capital Ratio is < Supervisory Target CET1 Capital Ratio or Risk-based TLAC Ratio is < Supervisory Target Risk-based TLAC Ratio	3
		(c) CET1 Capital Ratio is < Supervisory Target CET1 Capital Ratio and Risk-based TLAC Ratio is < Supervisory Target Risk-based TLAC Ratio	0
3	Leverage Ratio²	(a) ≥ 110% of the Authorized Leverage Ratio	5
		(b) ≥ 100% and < 110% of the Authorized Leverage Ratio	3
		(c) < 100% of the Authorized Leverage Ratio	0
4	CET1 Capital Ratio and Total Capital Ratio²	(a) CET1 Capital Ratio is ≥ Supervisory Target CET1 Capital Ratio and Total Capital Ratio is ≥ Supervisory Target Total Capital Ratio	5
		(b) CET1 Capital Ratio is < Supervisory Target CET1 Capital Ratio or Total Capital Ratio is < Supervisory Target Total Capital Ratio	3
		(c) CET1 Capital Ratio is < Supervisory Target CET1 Capital Ratio and Total Capital Ratio is < Supervisory Target Total Capital Ratio	0
5	CET1 Capital Ratio and Total Capital Ratio³	(a) CET1 Capital Ratio is ≥ Supervisory Target CET1 Capital Ratio and Total Capital Ratio is ≥ Supervisory Target Total Capital Ratio	10
		(b) CET1 Capital Ratio is < Supervisory Target CET1 Capital Ratio or Total Capital Ratio is < Supervisory Target Total Capital Ratio	6
		(c) CET1 Capital Ratio is < Supervisory Target CET1 Capital Ratio and Total Capital Ratio is < Supervisory Target Total Capital Ratio	0
6	Return on Risk-weighted Assets	(a) ≥ 1.6%	5
		(b) ≥ 0.75% and < 1.6%	3
		(c) < 0.75% (including negative results)	0
7	Mean Adjusted Net Income Volatility	(a) ≥ 0 and ≤ 0.75	5
		(b) > 0.75 and ≤ 1.5	3
		(c) > 1.5	0
		(d) Result is negative or mean net income or loss is 0	0
		(e) Not applicable	0
8	Net Impaired Assets to Total Capital	(a) ≥ 0% and < 15%	5
		(b) ≥ 15% and < 30%	3
		(c) ≥ 30%	0
		(d) < 0%	0
9	Three-Year Moving Average Asset Growth	(a) ≤ 15% (including negative results)	5
		(b) > 15% and ≤ 40%	3
		(c) > 40%	0
		(d) Not applicable	0
10	Real Estate Asset Concentration	(a) Ratio of total mortgage loans to sum of total mortgage loans, non-mortgage loans, securities and acceptances (”threshold ratio”) is < 10%	5
		(b) Threshold ratio is ≥ 10% and concentration of each mortgage loan type is low-risk	5
		(c) Threshold ratio is ≥ 10% and concentration of each mortgage loan type is either low-risk or medium-risk	3
		(d) Threshold ratio is ≥ 10% and concentration of at least one mortgage loan type is high-risk	0
11	Asset Encumbrance Measure	(a) Unencumbered Asset Concentration is ≤ 100%	5
		(b) Unencumbered Asset Concentration is > 100% and Pledged Asset Ratio is < 40%	3
		(c) Unencumbered Asset Concentration is > 100% and Pledged Asset Ratio is ≥ 40%	0
12	Aggregate Commercial Loan Concentration Ratio	(a) Threshold ratio referred to in paragraph (a) of item 10 is > 90%	5
		(b) < 100% and threshold ratio referred to in paragraph (a) of item 10 is ≤ 90%	5
		(c) ≥ 100% and < 300% and threshold ratio referred to in paragraph (a) of item 10 is ≤ 90%	3
		(d) ≥ 300% and threshold ratio referred to in paragraph (a) of item 10 is ≤ 90%	0
13	High Quality Liquid Assets to Short-Term Funding⁴	(a) ≥ 15%	5
		(b) ≥ 10% and < 15%	3
		(c) < 10%	0
		(c) < 10%	0
14	Liquidity Coverage Ratio¹	(a) ≥ 110%	7.5
		(b) ≥ 100% and < 110%	4
		(c) < 100%	0
		(c) < 100%	0
15	Stable Funding Ratio⁴	(a) ≥ 45%	5
		(b) ≥ 20% and < 45%	3
		(c) < 20%	0
16	Brokered Deposit Ratio⁴	(a) < 15%	5
		(b) ≥ 15% and < 25%	3
		(c) ≥ 25%	0
17	Net Stable Funding Ratio¹	(a) ≥ 110%	7.5
		(b) ≥ 100% and < 110%	4
		(c) < 100%	0
		(c) < 100%	0

¹This factor applies only to member institutions that are domestic systemically important banks.
²This factor applies only to member institutions that are Category I or II SMSBs under the Small and Medium-Sized Deposit-Taking Institutions (SMSBs) Capital and Liquidity Requirements – Guideline.
³This factor applies only to member institutions that are Category III SMSBs under the Small and Medium-Sized Deposit-Taking Institutions (SMSBs) Capital and Liquidity Requirements – Guideline.
⁴This factor applies only to member institutions that are not domestic systemically important banks.

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Date modified:: 2026-04-01

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Canada Deposit Insurance Corporation Differential Premiums By-law (SOR/2025-165)

SCHEDULE 2(Section 6)

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