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Canadian Western Bank (CWB) investor relations material
Canadian Western Bank Q4 2024 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2024 earnings summary18 Dec, 2024
Executive summary
Achieved 6% revenue growth and 8% increase in pre-tax pre-provision income, with positive operating leverage and improved net interest margin.
Annual net income for common shareholders was $268 million, down 17% year-over-year, reflecting higher expenses and transaction-related costs.
Maintained a strong, resilient balance sheet, supporting prudent growth and ongoing integration planning with National Bank of Canada.
NBC acquisition is progressing, with shareholder and Competition Bureau approvals received; closing expected in 2025.
Addressed a legal claim involving a subsidiary; confirmed no financial statement impact or internal control deficiencies.
Financial highlights
Total annual revenue rose 6% to $1.2 billion, with net interest income up 6% and non-interest income up 8% year-over-year.
Pre-tax, pre-provision income for the year was $570 million, up 8% year-over-year.
Adjusted diluted EPS for Q4 2024 was $0.67, down from $0.80 in Q4 2023, mainly due to higher credit loss provisions and transaction costs.
CET1 capital ratio increased to 10.3%, up 60 bps year-over-year and above regulatory minimum.
Franchise deposits grew 5% year-over-year, while broker term deposits declined 9%.
Outlook and guidance
Management expects steady Canadian economic growth and policy rate reductions in 2025.
Anticipates solid revenue growth, continued net interest margin expansion, and positive operating leverage.
Provision for credit losses expected to remain elevated in early 2025, then gradually decline as interest rates fall.
Projects strong annual growth in pre-tax pre-provision income and adjusted EPS, barring major macroeconomic shifts.
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Frequently asked questions
Canadian Western Bank is a Canadian financial institution that provides a range of commercial, personal, and wealth management services. The bank offers loans, deposits, leasing, and treasury solutions with a focus on small and medium-sized businesses across Western Canada. It operates through branches and digital platforms. Canadian Western Bank is headquartered in Edmonton, Canada, and its shares are listed on the TSX.
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