INVESTOR FACT SHEET
First quarter ended January 31, 2015
BUSINESS SEGMENTS
LAURENTIAN BANK OVERVIEW
Complete offering of banking, financial and
brokerage products and services to consumers,
small and medium-enterprises, financial advisors
as well as institutional clients
$37.4 billion of assets on balance sheet and $42.6
billion of assets under administration as of January
31, 2015
Activities across Canada, with 215 points of
service across Canada
Approximitely 3,700 employees
OUR PAN-CANADIAN PRESENCE
Personal and commercial
Business Services
Recognized for its unparalleled expertise, rapid
execution and innovative approach within all of our
market niches and segments, the group
concentrates on serving the needs of small cap
companies and medium-sized enterprises and real
estate promoters across Canada.
Retail Services
With longstanding roots in Québec, the
distinctiveness of our Retail Services sector rests on
the climate of client confidence it has established
through its authentic relational approach fuelled by
its commitment to simplicity and accessibility.
B2B Bank
As a leader dedicated exclusively to serving
Canadian financial advisors and brokers, B2B Bank
offers a range of products designed specifically to
enable them to build theirs client’s wealth
Laurentian Bank Securities and
Capital Markets
Recognized in the field of institutional brokerage in
Canada, the business segment is specialized in
serving small cap companies and in the fixed
income sector.
DIVERSIFICATION BY LOAN CATEGORIES
GEOGRAPHIC DIVERSIFICATION BY
BUSINESS SEGMENTS
Retail Services residential
mortgage loans (33%)
7%
B2B Bank residential
mortgage loans (16%)
33%
9%
Commercial mortgage loans
(10%)
12%
Commercial and other loans
(12%)
5%
40%
Business Services residential
mortgages loans (5%)
15%
10%
30%
16%
100%
60%
53%
Retail Services personal loans
(9%)
B2B Bank investment loans
(15%)
10%
Retail Services Loans
Québec
Ontario
B2B Bank loans
Business Services loans
Western Canada and Eastern Canada
FINANCIAL OBJECTIVES FOR FISCAL 2015
Indicators
2015 Objectives**
Q1-2015 Results
Adjusted diluted earnings per share*
5% to 8% growth
+ 2%
Adjusted efficiency ratio*
< 71.0%
71.4%
Adjusted operating leverage*
Positive
0.5%
Adjusted return on comon shareholder’s equity*
≥ 12%
11.3%
Common Equity Tier 1 capital ratio
>7.0%
7.8%
FINANCIAL HIGHLIGHTS
ADJUSTED NET INCOME
ADJUSTED DILUTED EARNINGS
PER SHARE *ǂ
*ǂ
(in millions of $)
140.7
155.4
(in dollars)
5.07
4.98
163.6
5.31
2013
2014
Q1-2015
(non-interest expenses as a
percentage of total revenue)
73.1%
72.8%
71.0%
*ǂ
71.4%
1.32
40.5
2012
ADJUSTED EFFICIENCY RATIO
2012
2013
TOTAL REVENUE
TOTAL ASSETS‡‡
(in millions of $)
865.3
796.6
(in billions of $)
2014
2012
2013
2014
Q1-2015
DECLARED DIVIDEND HISTORY
($ per share)
874.1
34.9
Q1-2015
36.5
33.9
37.4
218.2
1,84
1,98
2,06
0,54
2012
2013
2014
Q1-2015
2012
2013
2014
Q1-2015
2012
2013
2014
*Excluding adjusting items (items related to business combinations, restructuring charges and retirement compensation charge)
**Refer to the caution regarding forward-looking statements on page 17 of the Bank’s 2014 Annual Report
ǂResults prior to 2013 have not been restated to reflect the adoption of amendments to IAS 19, Employee Benefits
‡‡ Results prior to 2014 have not been restated to reflect adoption of admendments to IAS 32, Financial Instruments:Presentation
SHARES
STOCK SYMBOLS
Common Shares: LB (TSX)
Non-Cumulative Class A
preferred shares:
» Series 11 : LB.PR.F
» Series 13 : LB.PR.
2015 EARNINGS CALENDAR
STOCK INFORMATION
As at January 31, 2015
»Share Price
»Number of shares
outstanding
$46.81
28.9 million
»Market capitalization
Q1- 2015
»Dividend declared
»Dividend yield
$1,355 million
$0.54
4.6%
Q1
February 26
Q2
June 3
Q3
September 2
Q4
December 9
CONTACT INFORMATION
Public Affairs, Communications and Investor Relations
Tel.: 514-284-4500, ext. 7511
Fax: 514-284-3916
Email: gladys.caron@banquelaurentienne.ca
www.laurentianbank.ca
Head Office
Tour Banque Laurentienne
1981 McGill College Avenue,
20th floor, Montréal, Québec
H3A 3K3
Transfer Agent Computershare
Investor
Services Inc.
1500 University Street, Suite 700
Montréal, Québec H3A 3S8
Tel.: 1-800-564-6253
Q1-2015