Financial highlights

Surplus earnings before member dividends

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$2,419M in 2020

Surplus earnings before member dividends

  • $1,772millions in 2016
  • $2,151millions in 2017
  • $2,326millions in 2018
  • $2,598millions in 2019
  • $2,419millions in 2020

Operating income

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$18,399M in 2020

Operating income

  • $14,127M in 2016
  • $15,461M in 2017
  • $16,583M in 2018
  • $17,862M in 2019
  • $18,399M in 2020

Total assets (as at December 31)

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$362B in 2020

Total assets as at December 31

  • $258.4B in 2016
  • $275.1B in 2017
  • $295.5B in 2018
  • $313.0B in 2019
  • $362.0B in 2020

Assets under administration

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$458.2B in 2020

Assets under administration

  • $420.2B in 2016
  • $423.6B in 2017
  • $374.2B in 2018
  • $437.0B in 2019
  • $458.2B in 2020

Amount returned to the community

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$445M in 2020

Amount returned to the community

  • $259M in 2016
  • $320M in 2017
  • $389M in 2018
  • $445M in 2019
  • $445M in 2020

Results by business segment

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Results by business segment

Personal and Business Services
  • $1,300M in 2018
  • $1,913M in 2019
  • $1,314M in 2020
Wealth Management and Life and Health Insurance
  • $866M in 2018
  • $697M in 2019
  • $609M in 2020
Property and Casualty Insurance
  • $173M in 2018
  • $187M in 2019
  • $622M in 2020

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

  • 74.0% in 2016
  • 71.0% in 2017
  • 69.8% in 2018
  • 69.0% in 2019
  • 67.8% in 2020

Return on equity for the year

  • 8.0% in 2016
  • 9.1% in 2017
  • 9.3% in 2018
  • 9.9% in 2019
  • 8.3% in 2020

Tier 1A capital ratios as at December 31

  • 17.3% in 2016
  • 18.0% in 2017
  • 17.3% in 2018
  • 21.6% in 2019
  • 21.9% in 2020

Loan portfolio and acceptances (as at December 31, 2020)

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Loan portfolio and acceptances as at December 31, 2020

  • Business and government loans: $51,343millions of dollars or 24.1%
  • Residential mortgage loans: $136,208millions of dollars or 64.0%
  • Consumer, credit card and other personal loans: $25,310millions of dollars or 11.9%

Deposits by category (as at December 31, 2020)

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Deposits by category as at December 31, 2020

  • Individuals: $127,928millions of dollars or 56.8%
  • Business and government: $96,853millions of dollars or 43.0%
  • Deposit-taking institutions and other: $455millions 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 and Desjardins Capital Inc., go to the Credit ratings page.