Financial highlights

Surplus earnings before member dividends

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$2,419M in 2021

Surplus earnings before member dividends

  • $2,151millions in 2017
  • $2,326millions in 2018
  • $2,598millions in 2019
  • $2,419millions in 2020
  • $2,942millions in 2021

Operating income

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$20,405M in 2021

Operating income

  • $15,461M in 2017
  • $16,583M in 2018
  • $17,862M in 2019
  • $18,399M in 2020
  • $20,405M in 2021

Total assets (as at December 31)

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$362B in 2021

Total assets as at December 31

  • $275.1B in 2017
  • $295.5B in 2018
  • $313.0B in 2019
  • $362.0B in 2020
  • $397.1B in 2021

Assets under administration

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$458.2B in 2021

Assets under administration

  • $423.6B in 2017
  • $374.2B in 2018
  • $437.0B in 2019
  • $458.2B in 2020
  • $482.9B in 2021

Amount returned to the community

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$445M in 2021

Amount returned to the community

  • $320M in 2017
  • $389M in 2018
  • $445M in 2019
  • $445M in 2020
  • $514M in 2021

Results by business segment

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Results by business segment

Personal and Business Services
  • $1,913M in 2019
  • $1,314M in 2020
  • $1,459M in 2021
Wealth Management and Life and Health Insurance
  • $697M in 2019
  • $609M in 2020
  • $463M in 2021
Property and Casualty Insurance
  • $187M in 2019
  • $622M in 2020
  • $1,197M in 2021

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

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Productivity index
(for the year)

Return on equity
(for the year)

Tier 1A capital ratio
(as at December 31)

Productivity index for the year

  • 71.0% in 2017
  • 69.8% in 2018
  • 69.0% in 2019
  • 67.8% in 2020
  • 71.2% in 2021

Return on equity for the year

  • 9.1% in 2017
  • 9.3% in 2018
  • 9.9% in 2019
  • 8.3% in 2020
  • 8.9% in 2021

Tier 1A capital ratio as at December 31

  • 18.0% in 2017
  • 17.3% in 2018
  • 21.6% in 2019
  • 21.9% in 2020
  • 21.1% in 2021

Loan portfolio and acceptances (as at December 31, 2021)

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Loan portfolio and acceptances as at December 31, 2021

  • Business and government loans: $57,668millions of dollars or 24.9%
  • Residential mortgage loans: $149,695millions of dollars or 64.6%
  • Consumer, credit card and other personal loans: $24,386millions of dollars or 10.5%

Deposits by category (as at December 31, 2021)

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Deposits by category as at December 31, 2020

  • Individuals: $136,332millions of dollars or 57.2%
  • Business and government: $101,644millions of dollars or 42.6%
  • Deposit-taking institutions: $379millions of dollars or 0.2%

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 2021 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.