加拿大西部金融发展对中国西部发展的借鉴意义

加拿大西部金融发展对中国西部发展的借鉴意义StrictlyPrivateandConfidential陈林龙加拿大皇家银行|Oct2010CANADAHASTHE#1RANKEDBANKINGSYSTEM加拿大在银行业系统竞争性报告中名列第一-------全球最安全银行*Source:TheGlobalCompetitivenessReport2009/2010WorldEconomicForumNoneofCanada’s21bankshavesoughtgovernmentfundingsincecreditseizedupworldwideinAugust2007,promptingCanadianofficialstopromotethecountry’sregulatorysystemandconservativebankingcultureinforumssuchasthegroupof20nations.Bloomberg.comGuesswhichcountry,aloneintheindustrializedworld,hasnotfacedasinglebankfailure,callsforbailoutsorgovernmentinterventioninthefinancialormortgagesectors.Yup,it’sCanada.Newsweek,February7,2009Canadianbankshavegainedrelativeheftasaresultofthecrisis,asmanyoftheirglobalcompetitorsshrank.WallStreetJournal,August31,2009TheCanadianbankingsystem,whichprovedresilientintheglobaleconomiccrisis,isfinallygettingitsdayinthesun.TheNewYorkTimes,February28,2009TheCanadianbankshavesurvivedthecreditmarketmeltdownwithoutanyinfusionofgovernmentmoney,andhavereliedlessonliquiditysupportthantheirUSandEuropeancounterparts.FinancialTimes,August28,2009Canadabanksproveenvyoftheworld.FinancialTimes,February20,2009GLOBALBANKINGSYSTEMCOMPETIVENESSREPORT*RANKCOUNTRY/ECONOMYSCORE1Canada6.72NewZealand6.63Australia6.64Chile6.55HongKongSAR6.46SouthAfrica6.47Namibia6.38Singapore6.39Panama6.310Brazil6.311Finland6.312Barbados6.313Malta6.314Luxembourg6.215SlovakRepublic6.216Mauritius6.217Qatar6.218Bahrain6.119Israel6.120Norway6.1|Oct20102CANADA’SBANKINGMARKETISUNDERPINNEDBYSOLIDFUNDAMENTALS加拿大银行业市场具有稳固的基础支撑#1forsoundnessofbanks最稳健银行排名第一,WorldEconomicForum(1)世界经济论坛#1foreconomicstrengthoverpastdecadeamongG7,过去10年7国集团中经济实力排名第一InternationalMonetaryFund国际货币基金组织“PersistentlylowinterestratesandflowofgovernmentstimulusspendingisspurringrecoveryfortheCanadianeconomy.持续低利率和政府刺激性支出以推动经济复苏ForecastedgrowthfortheCanadianeconomyin2010willbe2.6%and3.6%for2011.”(3)预测加拿大经济2010年增长2.6%，2011年3.6%.2010Forecast(3)CanadaU.S.RealGDPforecast2.6%1.9%Inflation(CoreCPI)1.6%1.3%Unemploymentrate8.7%9.9%ConsumerfundamentalsModestleverageHouseholdnetworthhasbeenincreasingHigherleveragethanCanadaHouseholdnetworthhasbeendecreasingMortgagefundamentalsHighmortgagequalityLowloan-to-valueratiosLowdelinquenciesLowermortgagequalityHigherloan-to-valueratiosHigherdelinquencies(1)WorldEconomicForum,GlobalCompetitivenessReport2008-2009(3)RBCEconomics,December14,2009|Oct20103GLOBALLEADERSHIP全球领先|Oct20104RBC–ANINTERNATIONALBANKINGPOWERHOUSE加拿大皇家银行----国际银行业巨头Top8NorthAmericanBanks北美银行前8名MarketCapitalizationasatOct.12,2010(USDbillions十亿美元)RankBankMarketCap1JPMorganChase160.22WellsFargo&Co136.03BankofAmerica135.74Citigroup122.85RoyalBankofCanada77.56TorontoDominionBank65.27BankofNovaScotia56.48USBancorp43.9Top5CanadianBanks加拿大银行前5名MarketCapitalizationasatOct.12,2010(USDbillions十亿美元)RankBankMarketCap1RoyalBankofCanada77.52Toronto-DominionBank65.23BankofNovaScotia56.14BMO33.55CIBC29.8|Oct20105RBC’SFINANCIALPROFILEISCONSISTENTLYSTRONG加皇财务状况持续走强Strongcapitalposition(1):强健的资本金TierIcapitalratio核心资本:12.9%Totalcapitalratio资本充足率:14.2%Assetstocapital资产与资本之比:16.5xTangibleCommonEquity/:9.6%Tier1commoncapitalratioSeniordebtratingsamongthehighestoffinancialinstitutionsglobally（评级）:Moody’s穆迪:AaaStandard&Poor’s标准普尔:AA-Fitch:AADBRS:AA(1)AsatJuly31,2010Proactiveriskmanagement:积极的风险管理系统Limitexposuretoanysinglenameandanysinglesector对单一客户和单一行业的风险控制Stringentcreditreview,approval,limitandmonitoringprocesses.严格的信贷审批和监控程序Highqualitybalancesheet:高质量的资产负债表Canadianloans,strongretaildepositbase,liquidtradingassets.对加拿大的贷款、强大的零售存款基础，资产流动性强Strongliquidityanddiversifiedfundingsources:资金来源多元化Diversifiedandwell-establishedglobalfundingprograms多元化的全球融资计划Modesttermfundingrequirementsthroughtoendof2009适度期限资金要求Highqualitybalancesheetwithliquidassetsprovidessignificantflexibility.合理的资产负债结购、流动资产提供了显著的灵活性|Oct20106(1)AllamountsinCanadianDollar(2)ThisratioiscalculatedconsistentwithastresstestingmeasureusedbytheU.S.FederalReserveforU.S.banksindeterminingcapitaladequacyundercertainadversescenariosexceptthatourcalculationofTangiblecommonequity/Tier1commoncapitalisbasedontheBaselIImethodologyasdetailedinour2009AnnualReport.Q32010Performance(9monthperiod)Q22010Performance(3monthperiod)Q12010Performance(3monthperiod)2009Performance(12monthperiod)Results(CADmillions)Netincome净收入$4,102$1,329$1,497$3,858Totalrevenue总收入$21,128$7,569$7,334$29,106ProfitabilityMeasuresDilutedEPS$2.73$0.88$1.00$2.57ROE资本回报率15.9%15.8%17.5%11.9%CapitalManagementTier1CapitalRatio核心资本12.9%13.4%12.7%13%Assets-to-capitalmultiple杠杆率16.5X16.0X16.2X16.3XTangiblecommonequity/Tier1commoncapitalratio29.6%9.7%9.1%9.2%RBCFINANCIALPERFORMANCE(1)加皇财务状况|Oct20107RBC–CANADIANLEADERWITHGLOBALSTRENGTH加皇-加拿大领先的银行具有全球竞争力ThelargestbankinCanada,andaleadingglobalcorporateandinvestmentbank加拿大最大的银行，全球领先的投资银行业务CAD$659billioninassetsasat31January2010总资产4.3万亿人民币Morethan80,000employeesand18millionclients;operatein55countries;clientsin167countriesStrongfinancialposition,withaTier1capitalratioof12.9%andtotalcapitalratioof14.2%(31July2010)强健的财务状况Ra