Financial highlights

Surplus earnings before member dividends

The following chart is not accessible. Click the link to get the detailed chart description.
$2,419M in 2022

Surplus earnings before member dividends

  • $2,326millions in 2018
  • $2,598millions in 2019
  • $2,419millions in 2020
  • $2,942millions in 2021
  • $2,050millions in 2022

Operating income

The following chart is not accessible. Click the link to get the detailed chart description.
$21,798M in 2022

Operating income

  • $16,583M in 2018
  • $17,862M in 2019
  • $18,399M in 2020
  • $20,405M in 2021
  • $21,798M in 2022

Total assets (as at December 31)

The following chart is not accessible. Click the link to get the detailed chart description.
$362B in 2022

Total assets as at December 31

  • $295.5B in 2018
  • $313.0B in 2019
  • $362.0B in 2020
  • $397.1B in 2021
  • $407.1B in 2022

Assets under administration

The following chart is not accessible. Click the link to get the detailed chart description.
$458.2B in 2022

Assets under administration

  • $374.2B in 2018
  • $437.0B in 2019
  • $458.2B in 2020
  • $482.9B in 2021
  • $447.3B in 2022

Amount returned to the community

The following chart is not accessible. Click the link to get the detailed chart description.
$518M in 2022

Amount returned to the community

  • $347M in 2018
  • $404M in 2019
  • $402M in 2020
  • $497M in 2021
  • $518M in 2022

Results by business segment

The following chart is not accessible. Click the link to get the detailed chart description.

Results by business segment

Personal and Business Services
  • $1,314M in 2020
  • $1,459M in 2021
  • $1,126M in 2022
Wealth Management and Life and Health Insurance
  • $609M in 2020
  • $463M in 2021
  • $692M in 2022
Property and Casualty Insurance
  • $622M in 2020
  • $1,197M in 2021
  • $450M in 2022

Productivity index, return on equity, and Tier 1A capital ratio

The following 3 charts are not accessible. Click the link to get the detailed chart descriptions.

Productivity index
(for the year)

Return on equity
(for the year)

Tier 1A capital ratio
(as at December 31)

Productivity index
(for the year)

  • 69.8% in 2018
  • 69.0% in 2019
  • 67.8% in 2020
  • 71.2% in 2021
  • 78.6% in 2022

Return on equity
(for the year)

  • 9.3% in 2018
  • 9.9% in 2019
  • 8.3% in 2020
  • 8.9% in 2021
  • 6.2% in 2022

Tier 1A capital ratio
(as at December 31)

  • 17.3% in 2018
  • 21.6% in 2019
  • 21.9% in 2020
  • 21.1% in 2021
  • 20.2% in 2022

Loan portfolio and acceptances (as at December 31, 2022)

The following chart is not accessible. Click the link to get the detailed chart description.

Loan portfolio and acceptances as at December 31, 2022

  • Business and government loans: $66,837millions of dollars or 26.6%
  • Residential mortgage loans: $159,682millions of dollars or 63.7%
  • Consumer, credit card and other personal loans: $24,381millions of dollars or 9.7%

Deposits by category (as at December 31, 2022)

The following chart is not accessible. Click the link to get the detailed chart description.

Deposits by category as at December 31, 2022

  • Individuals: $145,377millions of dollars or 56.0%
  • Business and government: $114,172millions of dollars or 43.9%
  • Deposit-taking institutions: $287millions of dollars or 0.1%

Credit ratings of securities issued by Desjardins

To see the credit ratings of the Fédération des caisses Desjardins du Québec, go to the Credit ratings page.

  1. For more information on non generally accepted accounting principles (GAAP) financial measures and supplemental financial measures, see “Non-GAAP financial measures and other financial measures” section of Desjardins Group's 2022 annual MD&A which is available on the SEDAR website at www.sedar.com (under the Fédération des caisses Desjardins du Québec profile). Non-GAAP financial measures used by Desjardins Group, and which do not have a standardized definition, are not directly comparable to similar measures used by other companies, and may not be directly comparable to any GAAP measures.
  2. In accordance with the guideline on Capital Adequacy Guideline - Financial services cooperatives issued by the AMF.