Equitable Group Inc. (ETC) 2022年年度报告「TSX」.pdf

1、TSX.EQB|EQB.PR.CEQB Inc.|Fourth Quarter Report 2022For the three and twelve months ended December 31,2022Note:all cover measures as at December 31,2022Canadas Challenger Bank TM Page.2 Table of Contents Our Strategy and Quick Facts 3 Selected financial results and highlights 4 Overall business perfo

2、rmance and guidance 8 EQB Corporate Profile 13 Canadas Challenger Bank and how we are different:i.Our proven value creation model 14 ii.Diversification and scale 16 iii.Performance through cycles 19 Managements Discussion and Analysis(MD&A)21 Detailed financial summary for 2022 22 Adjustments to fin

3、ancial results 43 Fourth quarter 2022 results 46 Glossary 73 Non-generally accepted accounting principles(GAAP)financial measures and ratios 74 Financial Results 76 Consolidated Financial Statements 84 Notes to Consolidated Financial Statements 90 Directors and executive officers 150 Shareholder and

4、 corporate information 151 Caution regarding forward-looking statements Statements made in the sections of this report including those entitled“Overall business performance and guidance”,“EQB corporate profile”,“Canadas Challenger Bank and how we are different”,“Provision for credit losses”,“Credit

5、portfolio quality”,“Liquidity investments and equity securities”,“Capital position”,“Risk management”,and in other filings with Canadian securities regulators and in other communications include forward-looking statements within the meaning of applicable securities laws(forward-looking statements).T

6、hese statements include,but are not limited to,statements about EQBs objectives,strategies and initiatives,financial performance expectations and other statements made herein,whether with respect to EQBs businesses or the Canadian economy.Generally,forward-looking statements can be identified by the