Financial highlights

Surplus earnings

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$2,326M in 201/8

Surplus earnings

  • $1,593millions in 2014
  • $1,959millions in 2015
  • $1,772millions in 2016
  • $2,151millions in 2017
  • $2,326millions in 2018

Operating income

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$16,576M in 2018

Operating income

  • $12,619M in 2014
  • $13,880M in 2015
  • $14,129M in 2016
  • $15,465M in 2017
  • $16,576M in 2018

Total assets (as at December 31)

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$295.5B in 2018

Total assets as at December 31

  • $229.4B in 2014
  • $248.1B in 2015
  • $258.4B in 2016
  • $275.1B in 2017
  • $295.5B in 2018

Assets under administration

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$373.6B in 2018

Assets under administration

  • $370.8B in 2014
  • $403.4B in 2015
  • $420.2B in 2016
  • $411.5B in 2017
  • $373.6B in 2018

Amount returned to the community

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$389M in 2018

Amount returned to the community

  • $325M in 2014
  • $264M in 2015
  • $259M in 2016
  • $320M in 2017
  • $389M in 2018

Results by business segment

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Results by business segment

Personal and Business Services
  • $888M in 2014
  • $1,071M in 2015
  • $1,025M in 2016
  • $1,108M in 2017
  • $1,272M in 2018
Wealth Management and Life and Health Insurance
  • $411M in 2014
  • $503M in 2015
  • $461M in 2016
  • $612M in 2017
  • $894M in 2018
Property and Casualty Insurance
  • $180M in 2014
  • $360M in 2015
  • $296M in 2016
  • $446M in 2017
  • $173M in 2018

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

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Productivity index
(for the year)

Return on equity
(for the year)

Tier 1A capital ratios
(as at December 31)

Productivity index for the year

  • 73.3% in 2014
  • 70.9% in 2015
  • 74.0% in 2016
  • 70.9% in 2017
  • 69.8% in 2018

Return on equity for the year

  • 8.7% in 2014
  • 9.1% in 2015
  • 8.0% in 2016
  • 9.1% in 2017
  • 9.3% in 2018

Tier 1A capital ratios as at December 31

  • 15.7% in 2014
  • 16.0% in 2015
  • 17.3% in 2016
  • 18.0% in 2017
  • 17.3% in 2018

Loan portfolio and acceptances (as at December 31, 2018)

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Loan portfolio and acceptances as at December 31, 2018

  • Business and government loans: $45,066millions of dollars or 23.5%
  • Residential mortgage loans: $120,113millions of dollars or 62.8%
  • Consumer, credit card and other personal loans: $26,210millions of dollars or 13.7%

Deposits by category (as at December 31, 2018)

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Deposits by category as at December 31, 2018

  • Individuals: $105,298millions of dollars or 57.5%
  • Business and government: $76,174millions of dollars or 41.6%
  • Deposit-taking institutions and other: $1,686millions of dollars or 0.9%

Credit ratings of securities issued by Desjardins

Fédération des caisses Desjardins du Québec
  DBRS S&P Moody's Fitch
Short-term debt R-1 (high) A-1 P-1 F1+
Medium- and long-term debt AA A+ Aa2 AA-
Capital Desjardins inc.
  DBRS S&P Moody's Fitch
Medium- and long-term debt AA (low) A A2 A+

Suggested reading

See the complete 2018 annual report