Canada Deposit Insurance Corporation Differential Premiums By-law

Version of the schedule from 2017-02-17 to 2018-01-31:

SCHEDULE 3(Subsection 1(5) and sections 21 to 24.1 and 26)Scoring Grid — Quantitative Assessment

PART 1

Capital Adequacy

Range of Results
	Column 1	Column 2	Column 3	Column 4
Item	Leverage Ratio	Score	Tier 1 Capital Ratio	Score
1	Leverage ratio is ≥ 110% of the leverage ratio authorized by the regulator	10	Tier 1 capital ratio is > the “all in” target Tier 1 capital ratio set by the regulator for the member institution	10
2	Leverage ratio is ≥ 100% but < 110% of the leverage ratio authorized by the regulator	7	Tier 1 capital ratio is ≤ the “all in” target Tier 1 capital ratio set by the regulator for the member institution but > the minimum Tier 1 capital ratio required by the regulator	6
3	Leverage ratio is < 100% of the leverage ratio authorized by the regulator	0	Tier 1 capital ratio is < the minimum Tier 1 capital ratio required by the regulator	0
			Total of Leverage Ratio Score plus Tier 1 Capital Ratio Score

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 ≤ 0.5	5
		> 0.5 and ≤ 1.25	3
		> 1.25	0
		if the result is negative or the mean net income or loss is zero	0
6	Stress-Tested Net Income
	(a) using two standard deviations	≥ 0	5
	(b) using one and two standard deviations	≥ 0 and < 0 respectively	3
	(c) using one standard deviation	< 0	0
7	Efficiency Ratio	≤ 65%	5
		> 65% and ≤ 85%	3
		> 85% or a negative number	0
8	Net Impaired Assets to Total Capital	< 20%	5
		≥ 20% and < 40%	3
		≥ 40%	0
9	Three-Year Moving Average Asset Growth	≤ 15% (including negative results)	5
		> 15% and ≤ 40%	3
		> 40%	0
10	Aggregate Commercial Loan Concentration Ratio	< 100%	5
		≥ 100% and < 300%	3
		≥ 300%	0