Canada Deposit Insurance Corporation Differential Premiums By-law

Version of the schedule from 2006-03-22 to 2014-02-10:

SCHEDULE 3(Subsection 1(5) and sections 21 to 24 and 26)Scoring Grid — Quantitative Assessment

PART 1

Capital Adequacy

Range of Results
	Column 1	Column 2	Column 3	Column 4
Item	Assets to Capital Multiple	Tier 1 Risk-Based Capital Ratio	Total Risk-Based Capital Ratio	Score
1	≤ the multiple authorized by the regulator	≥ 7%	≥ 10% if no total risk-based capital ratio is required by the regulator, or if that required ratio is equal to 8% or ≥ 125% of the total risk-based capital ratio required by the regulator, if that ratio is > 8%	20
2	≤ the multiple authorized by the regulator	≥ 4% and < 7%	≥ 8% and < 10% if no total risk-based capital ratio is required by the regulator, or if that required ratio is equal to 8% or ≥ 100% and < 125% of the total risk-based capital ratio required by the regulator, if that ratio is > 8%	13
3	> the multiple authorized by the regulator	< 4%	< 8% if no total risk-based capital ratio is required by the regulator, or if that required ratio is equal to 8% or < 100% of the total risk-based capital ratio required by the regulator, if that ratio is > 8%	0

PART 2

Other Quantitative Factors or Criteria

Item	Factors or Criteria	Range of Results	Score
	Column 1	Column 2	Column 3
4	Return on Risk-Weighted Assets	≥ 1.15	5
		≥ 0.75 and < 1.15	3
		< 0.75 (including negative results)	0
5	Mean Adjusted Net Income Volatility	≥ 0 and ≤ 0.4	5
		> 0.4 and ≤ 1.0	3
		> 1.0	0
		if the result is negative or the mean net income or loss is zero	0
6	Stress-tested Net Income
	(a) using 2.8 semi-deviations	≥ 0	5
	(b) using 1.4 and 2.8 semi-deviations	≥ 0 and < 0 respectively	3
	(c) using 1.4 semi-deviations	< 0	0
7	Efficiency Ratio	≤ 65%	5
		> 65% and ≤ 85%	3
		> 85%	0
8	Net Impaired Assets (Including Net Unrealized Losses on Securities) To Total Capital	< 20%	5
		≥ 20% and < 40%	3
		≥ 40%	0
9	Three Year Moving Average Asset Growth	≤ 20% (including negative results)	5
		> 20% and ≤ 40%	3
		> 40%	0
10	Aggregate Commercial Loan Concentration Ratio	< 150%	5
		≥ 150% and < 350%	3
		≥ 350%	0