Financial highlights

Surplus earnings before member dividends

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$2,598M in 2019

Surplus earnings before member dividends

  • $1,959millions in 2015
  • $1,772millions in 2016
  • $2,151millions in 2017
  • $2,326millions in 2018
  • $2,598millions in 2019

Operating income

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$17,909M in 2019

Operating income

  • $13,880M in 2015
  • $14,129M in 2016
  • $15,465M in 2017
  • $16,576M in 2018
  • $17,909M in 2019

Total assets (as at December 31)

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$313.0B in 2019

Total assets as at December 31

  • $248.1B in 2015
  • $258.4B in 2016
  • $275.1B in 2017
  • $295.5B in 2018
  • $313.0B in 2019

Assets under administration

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$426.9B in 2019

Assets under administration

  • $403.4B in 2015
  • $420.2B in 2016
  • $411.5B in 2017
  • $373.6B in 2018
  • $426.9B in 2019

Amount returned to the community

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$445M in 2019

Amount returned to the community

  • $264M in 2015
  • $259M in 2016
  • $320M in 2017
  • $389M in 2018
  • $445M in 2019

Results by business segment

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Results by business segment

Personal and Business Services
  • $1,071M in 2015
  • $1,025M in 2016
  • $1,108M in 2017
  • $1,272M in 2018
  • $1,881M in 2019
Wealth Management and Life and Health Insurance
  • $503M in 2015
  • $461M in 2016
  • $612M in 2017
  • $894M in 2018
  • $729M in 2019
Property and Casualty Insurance
  • $360M in 2015
  • $296M in 2016
  • $446M in 2017
  • $173M in 2018
  • $187M in 2019

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

  • 70.9% in 2015
  • 74.0% in 2016
  • 70.9% in 2017
  • 69.8% in 2018
  • 68.9% in 2019

Return on equity for the year

  • 9.1% in 2015
  • 8.0% in 2016
  • 9.1% in 2017
  • 9.3% in 2018
  • 9.9% in 2019

Tier 1A capital ratios as at December 31

  • 16.0% in 2015
  • 17.3% in 2016
  • 18.0% in 2017
  • 17.3% in 2018
  • 21.6% in 2019

Loan portfolio and acceptances (as at December 31, 2019)

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Loan portfolio and acceptances as at December 31, 2019

  • Business and government loans: $50,368millions of dollars or 24.7%
  • Residential mortgage loans: $126,757millions of dollars or 62.1%
  • Consumer, credit card and other personal loans: $27,022millions of dollars or 13.2%

Deposits by category (as at December 31, 2019)

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Deposits by category as at December 31, 2019

  • Individuals: $111,665millions of dollars or 57.6%
  • Business and government: $81,556millions of dollars or 42.0%
  • Deposit-taking institutions and other: $697millions of dollars or 0.4%

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.