Equitable Group Inc. (ETC) 2012年年度报告「TSX」.pdf

1、SERVINGDELIVERING WHAT MATTERSEQUITABLE GROUP INC.ANNUAL REPORT 2012SINGLE FAMILY LENDING SERVICESOur largest and fastest-growing CoreLending business is Single Family wherewe fund mortgages for owner-occupiedand investment properties includingdetached and semi-detached houses,townhouses and condos.

2、Our strengthsinclude our valued relationships withCanadas independent mortgage brokers,our disciplined approach to credit,andour ability to serve business-for-selfborrowers,those who are new to Canadaand establishing credit for the first time,and the credit challenged.COMMERCIAL LENDING SERVICESOur

3、dedicated Commercial LendingServices business is known for its broadrelationships with mortgage brokers andother banking partners,its underwritingcapabilities,intimate market knowledgeand agility in responding to markettrends.As part of our Core Lendingbusinesses,it provides mortgages onmixed-use,mu

4、lti-unit residential,condos,shopping plazas,offices,industrial,andproperties under construction.SECURITIZATIONFINANCINGOur Securitization Financing businessoriginates and then securitizes insuredresidential mortgages,primarily multi-unit residential properties underwrittenby our commercial credit te

5、am.It hasextensive experience in mortgagesecuritization as a result of Equitablesparticipation in the Canada Mortgageand Housing Corporation(“CMHC”)administered National Housing Act(“NHA”)Mortgage-Backed Securities(“MBS”)and Canada Mortgage Bond(“CMB”)programs.We are a niche mortgage lender with a 4

6、0+year history ofsuccessful operations.Our primary business is first chargemortgage financing.We also serve the investing public as aprovider of insured Guaranteed Investment Certificates.Equitable Groups shares are traded on the Toronto StockExchange under the symbols ETC and ETC.PR.Arespectively.V