GreatNorthCollective/greatnorth-canada-federal-laws-text huggingface dataset:
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the supervisory target Tier 1 capital ratio (including the capital conservation buffer and domestic systemically important bank surcharge as applicable) as set by the regulator for the member institution in accordance with the Capital Adequacy Requirements guideline of the Guidelines, but if a different supervisory target Tier 1 capital ratio has been set by the regulator by written notice sent to the member institution, indicate that ratio instead.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
A member institution that is a Category III SMSB is not required to complete item 2.
Canada Deposit Insurance Corporation Differential Premiums By-law — (a)
Use the instructions below to arrive at the elements of the formula. Refer to the following documents: (a) the Consolidated Statement of Comprehensive Income, Retained Earnings and AOCI , Reporting Manual, completed in accordance with that Manual as of the fiscal year ending in the year preceding the filing year; and (b) the Basel III Capital Adequacy Reporting — Credit, Market and Operational Risk (BCAR) form, Reporting Manual, completed in accordance with that Manual as of the end of the fiscal year ending in the year preceding the filing year.
Canada Deposit Insurance Corporation Differential Premiums By-law — (a)
Refer to the following documents: (a) the Consolidated Statement of Comprehensive Income, Retained Earnings and AOCI , Reporting Manual, completed in accordance with that Manual as of the fiscal year ending in the year preceding the filing year; and (b) the Basel III Capital Adequacy Reporting — Credit, Market and Operational Risk (BCAR) form, Reporting Manual, completed in accordance with that Manual as of the end of the fiscal year ending in the year preceding the filing year.
Canada Deposit Insurance Corporation Differential Premiums By-law — (a)
(a) the Consolidated Statement of Comprehensive Income, Retained Earnings and AOCI , Reporting Manual, completed in accordance with that Manual as of the fiscal year ending in the year preceding the filing year; and
Canada Deposit Insurance Corporation Differential Premiums By-law — (b)
(b) the Basel III Capital Adequacy Reporting — Credit, Market and Operational Risk (BCAR) form, Reporting Manual, completed in accordance with that Manual as of the end of the fiscal year ending in the year preceding the filing year.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
The net income or loss attributable to equity holders and non-controlling interests (the latter to be reported as a negative number) as set out in the Consolidated Statement of Comprehensive Income, Retained Earnings and AOCI .
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the adjusted risk-weighted assets as set out in Schedule 10.010 – Ratio Calculations of the BCAR form.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the adjusted risk-weighted assets as of the end of the fiscal year ending in the second year preceding the filing year, calculated in the same manner as for element 2.2.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If the member institution does not have a fiscal year ending in the second year preceding the filing year, it must indicate “zero”, unless it is an amalgamated institution described below.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If the member institution is an amalgamated member institution formed by an amalgamation involving one or more member institutions and does not have a fiscal year ending in the second year preceding the filing year, it must indicate the same amount as for element 2.2.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution has been operating as a member institution for less than five fiscal years consisting of at least 12 months each (with the last fiscal year ending in the year preceding the filing year), it must indicate “N/A” (“not applicable”) for elements 3, 3.1, 3.2 and 3.13 and fill in any of elements 3.3 to 3.12 that apply to it.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution has been operating as a member institution for five or more fiscal years but less than 10 fiscal years consisting of at least 12 months each (with the last fiscal year of operation ending in the year preceding the filing year), it must complete the formula using the fiscal years during which it has been operating with the appropriate adjustment to the value of “n”.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution formed by an amalgamation involving only one member institution has been operating as a member institution for less than three fiscal years consisting of at least 12 months each (with the last fiscal year ending in the year preceding the filing year), in addition to filling in the applicable elements as an amalgamated member institution, it must also fill in the applicable elements for the amalgamating member institution.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution formed by an amalgamation involving two or more member institutions has been operating as a member institution for less than three fiscal years consisting of at least 12 months each (with the last fiscal year ending in the year preceding the filing year), it must indicate “N/A” (“not applicable”) for elements 3, 3.1, 3.2 and 3.13 and fill in any of elements 3.3 to 3.12 that apply to it.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Use the instructions below to arrive at the elements of the formula.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Determine the standard deviation of the net income or loss using the formula The Square root of the result of the sum of each of the following subtraction formulas which sum result is divided by n minus 1: 3.3 minus 3.2 squared plus 3.4 minus 3.2 squared plus /3.5 minus 3.2 squared plus/ 3.6 minus 3.2 squared plus 3.7 minus 3.2 squared /plus 3.8 minus 3.2 squared plus 3.9 minus 3.2 squared plus 3.10 minus 3.2 squared plus 3.11 minus 3.2 squared plus 3.12 minus 3.2 squared/.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution has been operating as a member institution for 12 or more fiscal years consisting of at least 12 months each, “n” will be equal to 10.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution has been operating as a member institution for seven or more but less than 12 fiscal years consisting of at least 12 months each, for each year that it is not operating the portion of the formula in the numerator referencing that year would be removed and “n” will be equal to the number of years that it has been so operating less 2 (e.g, if operating for 11 years, remove “(3.12 – 3.2) 2 ” from the numerator and “n” will be equal to 9).
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution has been operating as a member institution for six fiscal years consisting of at least 12 months each, “+ (3.7 – 3.2) 2 + (3.8 – 3.2) 2 + (3.9 – 3.2) 2 + (3.10 – 3.2) 2 + (3.11 – 3.2) 2 + (3.12 – 3.2) 2 ” must be removed from the formula and “n” will be equal to 4.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution has been operating as a member institution for five fiscal years consisting of at least 12 months each, “+ (3.6 – 3.2) 2 + (3.7 – 3.2) 2 + (3.8 – 3.2) 2 + (3.9 – 3.2) 2 + (3.10 – 3.2) 2 + (3.11 – 3.2) 2 + (3.12 – 3.2) 2 ” must be removed from the formula and “n” will be equal to 3.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Determine the mean net income or loss (the latter to be reported as a negative number) using the formula (3.3 + 3.4 + 3.5 + 3.6 + 3.7 + 3.8 + 3.9 + 3.10 + 3.11 + 3.12) n If a member institution has been operating as a member institution for 12 or more fiscal years consisting of at least 12 months each, “n” will be equal to 10. If a member institution has been operating as a member institution for seven or more but less than 12 fiscal years consisting of at least 12 months each, the portion of the formula in the numerator referencing the years that it was not operating is to be removed and “n” will be equal to the number of years that it has been so operating less 2 (e.g., if operating for 11 years, “+ 3.12” is removed from the numerator and “n” will be equal to 9). If a member institution has been operating as a member institution for six fiscal years consisting of at least 12 months each, “+ 3.7 + 3.8 + 3.9 + 3.10 + 3.11 + 3.12” must be removed from the formula and “n” will be equal to 4. If a member institution has been operating as a member institution for five fiscal years consisting of at least 12 months each, “+ 3.6 + 3.7 + 3.8 + 3.9 + 3.10 + 3.11 + 3.12” must be removed from the formula and “n” will be equal to 3.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution has been operating as a member institution for seven or more but less than 12 fiscal years consisting of at least 12 months each, the portion of the formula in the numerator referencing the years that it was not operating is to be removed and “n” will be equal to the number of years that it has been so operating less 2 (e.g., if operating for 11 years, “+ 3.12” is removed from the numerator and “n” will be equal to 9).
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution has been operating as a member institution for six fiscal years consisting of at least 12 months each, “+ 3.7 + 3.8 + 3.9 + 3.10 + 3.11 + 3.12” must be removed from the formula and “n” will be equal to 4.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution has been operating as a member institution for five fiscal years consisting of at least 12 months each, “+ 3.6 + 3.7 + 3.8 + 3.9 + 3.10 + 3.11 + 3.12” must be removed from the formula and “n” will be equal to 3.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the net income or loss as determined for element 2.1 for the fiscal year ending in the year preceding the filing year. 3.3
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the net income or loss after tax from the audited financial statements for the fiscal year preceding the fiscal year referred to in element 3.3. 3.4
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the net income or loss after tax from the audited financial statements for the fiscal year preceding the fiscal year referred to in element 3.4. 3.5
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the net income or loss after tax from the audited financial statements for the fiscal year preceding the fiscal year referred to in element 3.5. 3.6
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the net income or loss after tax from the audited financial statements for the fiscal year preceding the fiscal year referred to in element 3.6. 3.7
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the net income or loss after tax from the audited financial statements for the fiscal year preceding the fiscal year referred to in element 3.7. 3.8
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the net income or loss after tax from the audited financial statements for the fiscal year preceding the fiscal year referred to in element 3.8. 3.9
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the net income or loss after tax from the audited financial statements for the fiscal year preceding the fiscal year referred to in element 3.9. 3.10
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the net income or loss after tax from the audited financial statements for the fiscal year preceding the fiscal year referred to in element 3.10. 3.11
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the net income or loss after tax from the audited financial statements for the fiscal year preceding the fiscal year referred to in element 3.11. 3.12
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the number of fiscal years that the member institution has been operating as a member institution (if less than 12).
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
A member institution must report net income or loss for the last 10 fiscal years.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution has been operating as a member institution for less than three fiscal years of at least 12 months each and it is a member institution formed by an amalgamation involving only one member institution, it must report the net income or loss of the amalgamating member institution for the three fiscal years or less preceding the amalgamation, as applicable.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution has been operating as a member institution for less than five fiscal years of at least 12 months each, it must report “N/A” (“not applicable”) for the elements corresponding to the fiscal years for which it was not operating as a member institution.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution has reported “N/A” (“not applicable”) in element 3.13, it must report “N/A” for elements 4A, 4B and 4.3.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Stress-tested net income using one standard deviation: 4.1 – (1 × 4.2 ) = 4A
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Stress-tested net income using two standard deviations: 4.1 – (2 × 4.2 ) = 4B
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Use the instructions below to arrive at the elements of the formulas.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Net income or loss as determined for element 2.1.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
The standard deviation of the net income or loss as determined for element 3.1.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Refer to the Consolidated Statement of Comprehensive Income, Retained Earnings and AOCI , Reporting Manual, completed in accordance with that Manual for the fiscal year ending in the year preceding the filing year.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the total non-interest expenses, as set out in the Consolidated Statement of Comprehensive Income, Retained Earnings and AOCI , less any charges for impairment included in that total.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Determine the net interest income by adding (a) and (b):
Canada Deposit Insurance Corporation Differential Premiums By-law — (a)
(a) Net interest income as set out in the Consolidated Statement of Comprehensive Income, Retained Earnings and AOCI
Canada Deposit Insurance Corporation Differential Premiums By-law — (b)
(b) Taxable equivalent adjustment (if any)
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Total (insert as element 5.2 of the formula)
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Determine the non-interest income by adding (a) and (b):
Canada Deposit Insurance Corporation Differential Premiums By-law — (a)
(a) Non-interest income as set out in the Consolidated Statement of Comprehensive Income, Retained Earnings and AOCI
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Total (insert as element 5.3 of the formula)
Canada Deposit Insurance Corporation Differential Premiums By-law — (a)
Use the instructions below to arrive at the elements of the formula. Refer to the following documents: (a) the Return of Allowances for Expected Credit Losses , Reporting Manual, completed in accordance with that Manual as of the end of the fiscal year ending in the year preceding the filing year; and (b) the Basel III Capital Adequacy Reporting — Credit, Market and Operational Risk (BCAR) form, Reporting Manual, completed in accordance with that Manual as of the end of the fiscal year ending in the year preceding the filing year.
Canada Deposit Insurance Corporation Differential Premiums By-law — (a)
Refer to the following documents: (a) the Return of Allowances for Expected Credit Losses , Reporting Manual, completed in accordance with that Manual as of the end of the fiscal year ending in the year preceding the filing year; and (b) the Basel III Capital Adequacy Reporting — Credit, Market and Operational Risk (BCAR) form, Reporting Manual, completed in accordance with that Manual as of the end of the fiscal year ending in the year preceding the filing year.
Canada Deposit Insurance Corporation Differential Premiums By-law — (a)
(a) the Return of Allowances for Expected Credit Losses , Reporting Manual, completed in accordance with that Manual as of the end of the fiscal year ending in the year preceding the filing year; and
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the net impaired on-balance sheet assets as set out for the total of the column “Net Impaired Amount” in the Return of Allowances for Expected Credit Losses . If the result is negative, report “zero”.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Calculate the net impaired off-balance sheet assets by subtracting the total of the column “Individual allowance for expected credit losses” in Table 6A from the total of the column “Credit equivalent amount” in that Table. If the result is negative, report “zero”.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Indicate the total capital set out in Schedule 10.010 – Ratio Calculations of the BCAR form.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution has been operating as a member institution for less than six fiscal years consisting of at least 12 months each (with the last fiscal year ending in the year preceding the filing year), it must indicate “N/A” (“not applicable”) for elements 7 and 7.5 but still fill in any of elements 7.1 to 7.4 that apply to it.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution formed by an amalgamation involving only one member institution has been operating as a member institution for less than four fiscal years consisting of at least 12 months each (with the last fiscal year ending in the year preceding the filing year), in addition to filling in the applicable elements as an amalgamated member institution, it must also fill in the applicable elements for the amalgamating member institution.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution formed by an amalgamation involving two or more member institutions has been operating as a member institution for less than four fiscal years consisting of at least 12 months each (with the last fiscal year ending in the year preceding the filing year), it must indicate “N/A” (“not applicable”) for elements 7 and 7.5 but still fill in any of elements 7.1 to 7.4 that apply to it.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
If a member institution acquires assets in the fiscal year ending in the year preceding the filing year as a result of a merger with or the acquisition of a regulated deposit-taking institution or as a result of the acquisition of the deposit-taking business of a regulated institution, and the value of those acquired assets on the date of their acquisition exceeds 15% of the value of the consolidated assets of the member institution immediately before that merger or acquisition, the member institution must include the value of those acquired assets in elements 7.1 to 7.3.
Canada Deposit Insurance Corporation Differential Premiums By-law — Canada Deposit Insurance Corporation Differential Premiums By-law
Assets for Year 1 is the amount that the member institution entered as element 7.4 of the formula in the Reporting Form submitted by the member institution in the third filing year before the filing year in which this Reporting Form is being submitted.