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UNCLASSIFIED Title Credit Monitoring Data Call of Report Business and Data Definitions Sub Title at least 5 vertical s

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What Is Retail Sales Tax in British Columbia document sample

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									                                                        UNCLASSIFIED




Title Credit Monitoring Data Call
      of Report
      Business and Data Definitions
Sub-Title
(at least 5 vertical spaces)
             Standardized Approach
          (Graphic element /
             Updated: be
          image could July 2009
             Published: October 2009
          inserted here, if
             Version 2.0

              For Data Submissions effective Q1, 2010
(at least 5 vertical spaces)


Date
Author’s Name
(if applicable)
                                                                                                                                                          UNCLASSIFIED


                                                                                                                                                         Introduction
Structure of Document

Example of Structure (from Retail Portfolio data)

                                                                                Retail Exposures
                                               Mortgage and Home Equity Line of Credit      Qualifying Revolving Retail Exposures
                                                                          Home Equity
    Metric      Distributions     Total         Total        Mortgage     Line of Credit     Total       Credit Card     Line of Credit   Other Retail

Outstandings      Current                                                                                                                                  Reference Table
                 1d to 30d
                31d to 60d,
                61d to 90d
                   >90d
                 Unknown


Measure
                  Reference Table                                                                           Relevant products or
                                                                                                            segments
                                                The data definitions document is
                                                    comprised of 3 sections



          Schedules                                       Measure Definitions                                      Reference Tables

  The tables from the June 30th
  presentation to the Canadian
                                                      Each table is comprised of data
     Bankers Association are                                                                                Provides the data definitions for
                                                     fields (e.g., amount outstanding)
  transcribed into Excel format                                                                              the dimensions by which the
                                                          and data modifiers (e.g.,
  and relabled as "Schedules".                                                                               data fields are modified (e.g.,
                                                    geography). This section contains
  This section will explain which                                                                                      geography)
                                                      the definitions of the data fields
    products or segments are
             relevant.




                                                                                  Page 2 of 13
                                                                                                                                                                                                                                                              UNCLASSIFIED




Retail Portfolio Data - Schedule I

                                                                                Data to be asked for in the electronic data call
                                                                                 Denotes data that is not part of the data call

                                                                                                                              Retail Exposures

                                                                               Mortgage and Home Equity Line of Credit               Credit Card & LOC                    Other Retail

                                                                                      Retail Mortgages                                                                  SME
                                                                                                                  Home
                                                                                                                Equity Line                      Line of
                                                                             CMHC          Other                 of Credit                       Credit                                    Other Retail
               Metric                      Distributions            Total   Insured       Insured   Non-Insured (HELOC)            Credit Card   (LOC)          Total   CRE      Non-CRE    excl. SME                   Map to Technical Specification Records

Authorized                                                                                                                                                                                                                  Retail Portfolio Performance (010)
Outstandings                                                                                                                                                                                                                Retail Portfolio Performance (010)
Write Offs                                                                                                                                                                                                                  Retail Portfolio Performance (010)
Recoveries                                                                                                                                                                                                                  Retail Portfolio Performance (010)
Gross Impaired Loans and Acceptances                                                                                                                                                                                        Retail Portfolio Performance (010)
Additions to Gross Impaired Loans and Acceptances                                                                                                                                                                           Retail Portfolio Performance (010)
Gross Impaired Loans & Acceptances Returned to Accrual Status                                                                                                                                                               Retail Portfolio Performance (010)
Specific Provisions for Credit Losses                                                                                                                                                                                       Retail Portfolio Performance (010)
Specific Allowances for Credit Losses                                                                                                                                                                                       Retail Portfolio Performance (010)
Other Changes in Gross Impaired Loans and Acceptances                                                                                                                                                     Retail Portfolio Performance; General Allowances & Provisions (015)
General Provisions for Credit Losses                                                                                                                                                                      Retail Portfolio Performance; General Allowances & Provisions (015)
General Allowances for Credit Losses                                                                                                                                                                      Retail Portfolio Performance; General Allowances & Provisions (015)
Other Changes in Allowances for Credit Losses                                                                                                                                                             Retail Portfolio Performance; General Allowances & Provisions (015)

Outstandings                      Total Geographies                                                                                                                                                                     Retail Outstanding by Geography (020)
Outstandings                        Total Canada                                                                                                                                                                        Retail Outstanding by Geography (020)
Outstandings                            Alberta                                                                                                                                                                         Retail Outstanding by Geography (020)
Outstandings                            British Columbia                                                                                                                                                                Retail Outstanding by Geography (020)
Outstandings                            Manitoba                                                                                                                                                                        Retail Outstanding by Geography (020)
Outstandings                            New Brunswick                                                                                                                                                                   Retail Outstanding by Geography (020)
Outstandings                            Newfoundland and Labrador                                                                                                                                                       Retail Outstanding by Geography (020)
Outstandings                            Northwest Territories                                                                                                                                                           Retail Outstanding by Geography (020)
Outstandings                            Nova Scotia                                                                                                                                                                     Retail Outstanding by Geography (020)
Outstandings                            Nunavut                                                                                                                                                                         Retail Outstanding by Geography (020)
Outstandings                            Ontario                                                                                                                                                                         Retail Outstanding by Geography (020)
Outstandings                            Prince Edward Island                                                                                                                                                            Retail Outstanding by Geography (020)
Outstandings                            Quebec                                                                                                                                                                          Retail Outstanding by Geography (020)
Outstandings                            Saskatchewan                                                                                                                                                                    Retail Outstanding by Geography (020)
Outstandings                            Yukon                                                                                                                                                                           Retail Outstanding by Geography (020)
Outstandings                        US                                                                                                                                                                                  Retail Outstanding by Geography (020)
Outstandings                        All Other                                                                                                                                                                           Retail Outstanding by Geography (020)

                                   Total Current and Delinquency
Outstandings
                                              Buckets                                                                                                                                                                      Retail Delinquency Buckets (030)
Outstandings                        Current                                                                                                                                                                                Retail Delinquency Buckets (030)
Outstandings                        1d to 30d                                                                                                                                                                              Retail Delinquency Buckets (030)
Outstandings                        31d to 60d                                                                                                                                                                             Retail Delinquency Buckets (030)
Outstandings                        61d to 90d                                                                                                                                                                             Retail Delinquency Buckets (030)
Outstandings                        over 90 days                                                                                                                                                                           Retail Delinquency Buckets (030)

Outstandings                      Before Securitization                                                                                                                                                                Retail Outstanding by Securitization (040)
Outstandings                      After Securitization                                                                                                                                                                 Retail Outstanding by Securitization (040)


                                                                                                                                                 Page 3 of 13
                                                                                                                                                                                            UNCLASSIFIED



Wholesale Portfolio Data - Schedule II

                                                                  Data to be asked for in the electronic data call
                                                                          Denotes Data Not Currently Required


                                                                                                            Total Wholesale
                                                                                               Corporate          SME treated as Corporate
                                                                                                                                             Sovereign   Bank
           Metric                                                  Total Wholesale         CRE        Non-CRE        CRE        Non-CRE                                        Map to Technical Specification Records

Authorized                                                                                                                                                                      Wholesale Portfolio Performance (050)
Outstandings                                                                                                                                                                    Wholesale Portfolio Performance (050)
Gross Impaired Loans and Acceptances                                                                                                                                            Wholesale Portfolio Performance (050)
Additions to Gross Impaired Loans and Acceptances                                                                                                                               Wholesale Portfolio Performance (050)
Gross Impaired Loans and Acceptances Returned to Accrual Status                                                                                                                 Wholesale Portfolio Performance (050)
Other Changes in Gross Impaired Loans and Acceptances                                                                                                                           Wholesale Portfolio Performance (050)
Write Offs                                                                                                                                                                      Wholesale Portfolio Performance (050)
Recoveries                                                                                                                                                                      Wholesale Portfolio Performance (050)
Specific Allowances for Credit Losses                                                                                                                                           Wholesale Portfolio Performance (050)
Specific Provisions for Credit Losses                                                                                                                                           Wholesale Portfolio Performance (050)
General Provisions for Credit Losses                                                                                                                            Wholesale Portfolio Performance; General Allowances & Provisions (055)
General Allowances for Credit Losses                                                                                                                            Wholesale Portfolio Performance; General Allowances & Provisions (055)
Other Changes in Allowances for Credit Losses                                                                                                                   Wholesale Portfolio Performance; General Allowances & Provisions (055)

Outstandings                 Total Geographies                                                                                                                               Wholesale Outstandings by Geography (060)
Outstandings                   Total Canada                                                                                                                                  Wholesale Outstandings by Geography (060)
Outstandings                       Alberta                                                                                                                                   Wholesale Outstandings by Geography (060)
Outstandings                       British Columbia                                                                                                                          Wholesale Outstandings by Geography (060)
Outstandings                       Manitoba                                                                                                                                  Wholesale Outstandings by Geography (060)
Outstandings                       New Brunswick                                                                                                                             Wholesale Outstandings by Geography (060)
Outstandings                       Newfoundland and Labrador                                                                                                                 Wholesale Outstandings by Geography (060)
Outstandings                       Northwest Territories                                                                                                                     Wholesale Outstandings by Geography (060)
Outstandings                       Nova Scotia                                                                                                                               Wholesale Outstandings by Geography (060)
Outstandings                       Nunavut                                                                                                                                   Wholesale Outstandings by Geography (060)
Outstandings                       Ontario                                                                                                                                   Wholesale Outstandings by Geography (060)
Outstandings                       Prince Edward Island                                                                                                                      Wholesale Outstandings by Geography (060)
Outstandings                       Quebec                                                                                                                                    Wholesale Outstandings by Geography (060)
Outstandings                       Saskatchewan                                                                                                                              Wholesale Outstandings by Geography (060)
Outstandings                       Yukon                                                                                                                                     Wholesale Outstandings by Geography (060)
Outstandings                   US                                                                                                                                            Wholesale Outstandings by Geography (060)
Outstandings                   All Other                                                                                                                                     Wholesale Outstandings by Geography (060)

Outstandings                 Total Industries                                                                                                                                  Wholesale Outstandings by Industry (070)
Outstandings                   Agriculture                                                                                                                                     Wholesale Outstandings by Industry (070)
Outstandings                   Capital Goods                                                                                                                                   Wholesale Outstandings by Industry (070)
Outstandings                   Communications                                                                                                                                  Wholesale Outstandings by Industry (070)
Outstandings                   Energy                                                                                                                                          Wholesale Outstandings by Industry (070)
Outstandings                   Financial Services                                                                                                                              Wholesale Outstandings by Industry (070)
Outstandings                   Government & Sovereign                                                                                                                          Wholesale Outstandings by Industry (070)
Outstandings                   Life Sciences                                                                                                                                   Wholesale Outstandings by Industry (070)
Outstandings                   Manufacturing                                                                                                                                   Wholesale Outstandings by Industry (070)
Outstandings                   Metal & Mining                                                                                                                                  Wholesale Outstandings by Industry (070)
Outstandings                   Real Estate                                                                                                                                     Wholesale Outstandings by Industry (070)
Outstandings                   Resources & Basic Materials                                                                                                                     Wholesale Outstandings by Industry (070)
Outstandings                   Retail & Wholesale                                                                                                                              Wholesale Outstandings by Industry (070)
Outstandings                   Technology                                                                                                                                      Wholesale Outstandings by Industry (070)
Outstandings                   Transportation                                                                                                                                  Wholesale Outstandings by Industry (070)
Outstandings                   Services                                                                                                                                        Wholesale Outstandings by Industry (070)
Outstandings                   Other                                                                                                                                           Wholesale Outstandings by Industry (070)


                                                                                                                           Page 4 of 13
                                                                                                                                                                                                    CREF Schedule 3
                                                                                                                                                                                          UNCLASSIFIED




Commercial Real Estate Exposure - Schedule III
                                                                                                    Data to be asked for in the electronic data call
                                                                                                     Denotes data that is not part of the data call




                                                                                   Corporate                                                  SME
                                                                                         Rev.Gen.     Other                                      Rev.Gen.     Other
                 Metric                 Distributions          Total Land-   Interim                           Total Land-            Interim
                                                                                         Multi unit  Revenue                                     Multi unit  Revenue
                                                                banking      Finance                            banking               Finance
                                                                                        Residential Generating                                  Residential Generating   Map to Technical Specification Records

Retail - Authorized            Total Geographies                                                                                                                             Retail CREF; Authorized (085)
Retail - Outstandings          Total Geographies                                                                                                                                    Retail CREF (080)
Retail - Outstandings            Total Canada                                                                                                                                       Retail CREF (080)
Retail - Outstandings              Alberta                                                                                                                                          Retail CREF (080)
Retail - Outstandings              British Columbia                                                                                                                                 Retail CREF (080)
Retail - Outstandings              Manitoba                                                                                                                                         Retail CREF (080)
Retail - Outstandings              New Brunswick                                                                                                                                    Retail CREF (080)
Retail - Outstandings              Newfoundland and Labrador                                                                                                                        Retail CREF (080)
Retail - Outstandings              Northwest Territories                                                                                                                            Retail CREF (080)
Retail - Outstandings              Nova Scotia                                                                                                                                      Retail CREF (080)
Retail - Outstandings              Nunavut                                                                                                                                          Retail CREF (080)
Retail - Outstandings              Ontario                                                                                                                                          Retail CREF (080)
Retail - Outstandings              Prince Edward Island                                                                                                                             Retail CREF (080)
Retail - Outstandings              Quebec                                                                                                                                           Retail CREF (080)
Retail - Outstandings              Saskatchewan                                                                                                                                     Retail CREF (080)
Retail - Outstandings              Yukon                                                                                                                                            Retail CREF (080)
Retail - Outstandings            US                                                                                                                                                 Retail CREF (080)
Retail - Outstandings            All Other                                                                                                                                          Retail CREF (080)

Wholesale - Authorized         Total Geographies                                                                                                                           Wholesale CREF, Authorized (095)
Wholesale - Outstandings       Total Geographies                                                                                                                                Wholesale CREF (090)
Wholesale - Outstandings         Total Canada                                                                                                                                   Wholesale CREF (090)
Wholesale - Outstandings           Alberta                                                                                                                                      Wholesale CREF (090)
Wholesale - Outstandings           British Columbia                                                                                                                             Wholesale CREF (090)
Wholesale - Outstandings           Manitoba                                                                                                                                     Wholesale CREF (090)
Wholesale - Outstandings           New Brunswick                                                                                                                                Wholesale CREF (090)
Wholesale - Outstandings           Newfoundland and Labrador                                                                                                                    Wholesale CREF (090)
Wholesale - Outstandings           Northwest Territories                                                                                                                        Wholesale CREF (090)
Wholesale - Outstandings           Nova Scotia                                                                                                                                  Wholesale CREF (090)
Wholesale - Outstandings           Nunavut                                                                                                                                      Wholesale CREF (090)
Wholesale - Outstandings           Ontario                                                                                                                                      Wholesale CREF (090)
Wholesale - Outstandings           Prince Edward Island                                                                                                                         Wholesale CREF (090)
Wholesale - Outstandings           Quebec                                                                                                                                       Wholesale CREF (090)
Wholesale - Outstandings           Saskatchewan                                                                                                                                 Wholesale CREF (090)
Wholesale - Outstandings           Yukon                                                                                                                                        Wholesale CREF (090)
Wholesale - Outstandings         US                                                                                                                                             Wholesale CREF (090)
Wholesale - Outstandings         All Other                                                                                                                                      Wholesale CREF (090)
                                                                                                            Page 5 of 13
                                                                                                                                                                                                                                                                                                                                                                  UNCLASSIFIED
                                                                                                                                                               Credit Risk Monitoring Data Field Definitions
                                                                                                                                                                           Measure Definitions
                                                             Standardized
ID   Field Name       Description                                       Inclusions                    Exclusions               Calculation                              Relevant policies or rules                   Currency Differences                                Percentage / $
                                                                                                                                                                                                                                                          Schedule Reference                             Data Type                     Priority    Reference Tables
                                                                                                                               Example: Quarterly total for reporting
                                                                                                                               quarter, spot value at the end of the
                                                                            Example: For                                       reporting quarter, etc.
                                                                            'Outstanding',            Example: Net of any      Forward or backward looking?                                                          Example: Will a bank report in       Example: Which         Example: Is the datum a Example: How many
                                                                                                                                                                        Example: Will OSFI mandate its own policy or                                                                                                                Mandatory or   Example: Which reference tables
     Sample Field     Full Description                                      committed,                write offs but not net   Quarterly or annually?                                                                currency of exposure or convert to   Schedules is this data percentage or a dollar  characters are required to
                                                                                                                                                                        will that of the banks be sufficient?                                                                                                                       Optional       (data modifiers) apply?
                                                                            uncommitted, and          of any provisions        Simple or weighted averages?                                                          Canadian dollar equivalent?          field referenced in?   amount?                 represent this datum?
                                                                            unadvised are included.                            Rolling 12 month vs. fiscal?
                                                                                                                               All Loans or a subset of loans?
                                                                                                                               Relevant time horizon?
                      The unique Financial Institution of Canada
     Institution      code that is assigned by OSFI to each
0    Identification   participating institution. All correspondence                                                                                                                                                                                                             Alphanumeric             Alphanumeric(4)           Mandatory       None
     Number           involving data should be coded with this
                      Identification Number.

                      The total credit exposures authorized to the
                      counterparty. It includes committed,
                      uncommitted and unadvised exposures in
                                                                                                                                                                        Where off-balance sheet
                      Canadian dollars equivalent at reporting
                                                                                                                                                                        instruments form part of the
                      date. Authorized amounts for a given
                                                                                                                                                                        balances being filed in the
                      exposure class (** refer to table of equivalent
                                                                                                                                                                        SICMDC return, please follow the
                      BH/BCAR Exposure Classes below) should
                                                                                                                                                                        same instructions laid out in
                      equal the sum of gross oustandings (defined
                                                                                                                                                                        Sections 3.2 to 3.5 of the CAR
                      in #2 below) plus (i) the gross undrawn
                                                                                                                                                                        Guideline for all except
                      amount for off-balance sheet facilities listed
                                                                      Gross of all                                                                                      Commitments. That is report
                      under Section 3.2 of the CAR Guideline                                                                   Spot total (t) at end of                                                                               Schedule 1
1    Authorized                                                       allowances for                  Any write offs                                                    balances after application of the Canadian dollars equivalent                                           Dollar Amount            Numeric(15)               Mandatory       Retail and Wholesale
                      (except Commitments), which already                                                                      reporting quarter.                                                                                     Schedule 2
                                                                      credit losses                                                                                     relevant Credit Conversion
                      incorporates the application of the Credit
                                                                                                                                                                        Factor (CCF). Do not apply the
                      Conversion Factors (CCFs) defined in that
                                                                                                                                                                        CCFs laid out in Section 3.6 of
                      section of the CAR Guideline; plus (ii) the
                                                                                                                                                                        the CAR Guideline to
                      gross undrawn amount for Commitments
                                                                                                                                                                        Commitments. Report gross
                      listed under section 3.6 of the CAR Guideline
                                                                                                                                                                        authorizations for commitments,
                      unadjusted by CCFs (i.e., the notional
                                                                                                                                                                        uncommitted facilities and
                      principal amount) plus (iii) the gross undrawn
                                                                                                                                                                        unadvised authorizations.
                      amount of uncommitted and unadvised
                      exposures not captured in the CAR Guideline
                      under Commitments unadjusted by CCFs.




                      The amount of funds invested or advanced to                                                                                                       Where off-balance sheet
                      a customer, including accrued interest and                                                                                                        instruments form part of the
                      dividends receivable on these amounts at a                                                                                                        oustanding balances in a given
                      given reporting date. Should be equivalent                                                                                                        exposure class on the SICMDC
                                                                    Gross of all                                                                                                                                                       Schedule 1
                      to the sum of Gross Drawn, Gross Repo-                                                                   Spot total (t) at end of                 return, please follow the same
2    Outstandings                                                   allowances for                    Any write offs                                                                                       Canadian dollars equivalent Schedule 2                               Dollar Amount            Numeric(15)               Mandatory       Retail and Wholesale
                      style, Gross OTC Derivatives and Gross                                                                   reporting quarter.                       instructions laid out in Sections
                                                                    credit losses                                                                                                                                                      Schedule 3
                      Other off-balance sheet exposure on the                                                                                                           3.2 to 3.5 of the CAR Guideline.
                      BCAR schedule for the equivalent exposure                                                                                                         That is report balances after
                      class (**refer to table of equivalent BH/BCAR                                                                                                     application of the relevant Credit
                      Exposure Classes below)                                                                                                                           Conversion Factor.


                      The permanent reduction in carrying value of
                      an on-balance sheet exposure that is entered
                                                                   Direct and indirect                                         Sum of write-offs during the                                                                                               Schedule 1
3    Write Offs       in the Financial Institution's books if the                                                                                                                                                    Canadian dollars equivalent                                Dollar Amount            Numeric(15)               Mandatory       Retail and Wholesale
                                                                   write offs                                                  reported quarter.                                                                                                          Schedule 2
                      exposure is non accrual or defaulted during
                      the reporting quarter.


                      The total recovered amount of previously                                                                                                          The Financial Institution can use
                      written off on-balance sheet loans through                                                               Sum of recoveries during the             its own internal policies to                                                      Schedule 1
4    Recoveries                                                                                                                                                                                                      Canadian dollars equivalent                                Dollar Amount            Numeric(15)               Mandatory       Retail and Wholesale
                      collection efforts, realization of collateral, etc.                                                      reported quarter.                        determine what is "recovered",                                                    Schedule 2
                      within the reporting quarter.                                                                                                                     subject to OSFI review.


                                                                                                      Cumulative
                                                                                                      write offs.
     Specific       An allowance set up to provide for credit               Cumulative
                                                                                                      Unallocated              Spot total (t) at end of                                                                                                   Schedule 1
5    Allowances for losses on specifically identified on-balance            specific                                                                                                                                 Canadian dollars equivalent                                Dollar Amount            Numeric(15)               Mandatory       Retail and Wholesale
                                                                                                      Amounts for              reporting quarter.                                                                                                         Schedule 2
     Credit Losses sheet accounts classified as impaired.                   provisions.
                                                                                                      General
                                                                                                      Allowances


                                                                                                                                                                                Page 6 of 13
                                                                                                                                                                                                                                                                            UNCLASSIFIED
                                                                                                                                  Credit Risk Monitoring Data Field Definitions
                                                                                                                                              Measure Definitions
                                                      Standardized
ID   Field Name     Description                                  Inclusions             Exclusions     Calculation                     Relevant policies or rules   Currency Differences                         Percentage / $
                                                                                                                                                                                                  Schedule Reference              Data Type           Priority   Reference Tables
     Specific
                    Specific provisions, charged during the                                            Sum of specific provisions                                                                 Schedule 1
6    Provisions for                                                                                                                                                 Canadian dollars equivalent                  Dollar Amount    Numeric(15)       Mandatory    Retail and Wholesale
                    reporting quarter.                                                                 during the reported quarter.                                                               Schedule 2
     Credit Losses
                      The balance of gross amount of on-balance
                                                                       Committed;
     Gross            sheet loans and acceptances where there is
                                                                       uncommitted; and Authorized     Spot total (t) at end of
     Impaired         no longer the reasonable assurance of timely                                                                     In accordance with OSFI's                                  Schedule 1
7                                                                      unadvised;       amounts not    reporting quarter. Sum of the                                Canadian dollars equivalent                  Dollar Amount    Numeric(15)       Mandatory    Retail and Wholesale
     Loans and        collection of principal or interest, before                                                                      Impaired Loans Guideline                                   Schedule 2
                                                                       Provisions and   outstanding.   outstanding amounts.
     Acceptances      specific allowances or provisions, in
                                                                       Allowances
                      accordance with CICA guideline 30.25.
     Additions to
     Gross            New additions to on-balance sheet impaired                                       Sum of new additions to
                                                                                                                                       GAAP, OSFI Impaired Loans                                  Schedule 1
8    Impaired         loans and acceptances, during the reported                                       impaired loans during the                                    Canadian dollar equivalent                   Dollar Amount    Numeric(15)       Mandatory    Retail and Wholesale
                                                                                                                                       Guideline                                                  Schedule 2
     Loans and        quarter.                                                                         reported quarter.
     Acceptances
     Gross
                      The total amount of on-balance sheet loans
     Impaired
                      classified under 'Gross Impaired Loans and                                       Sum of outstanding amounts
     Loans and                                                                                                                         GAAP, OSFI Impaired Loans                                  Schedule 1
9                     Acceptances' at the end of the last quarter                       write-offs     returned to accrual status                                   Canadian dollar equivalent                   Dollar Amount    Numeric(15)       Mandatory    Retail and Wholesale
     Acceptances                                                                                                                       Guideline                                                  Schedule 2
                      that are now classified as accrual status this                                   during the reported quarter.
     Returned to
                      reporting quarter, measured at book value.
     Accrual Status
                    An allowance set up to provide for credit
     General
                    losses on on-balance sheet exposures as                                            Spot total (t) at end of                                                                   Schedule 1
10   Allowances for                                                                                                                                                 Canadian dollars equivalent                  Dollar Amount    Numeric(15)       Mandatory    Retail and Wholesale
                    outlined by OSFI guideline C-5 and the CICA                                        reporting quarter.                                                                         Schedule 2
     Credit Losses
                    Handbook
     General
                    General provisions charged during the                                              Sum of general provisions                                                                  Schedule 1
11   Provisions for                                                                                                                                                 Canadian dollars equivalent                  Dollar Amount    Numeric(15)       Mandatory    Retail and Wholesale
                    reporting quarter.                                                                 during the reported quarter.                                                               Schedule 2
     Credit Losses
                    Amounts in this category include other
     Other
                    changes to the ending quarterly balance of
     Changes in
                    Gross Impaired Loans and Acceptances that                                          Sum of Other changes in
     Gross                                                                                                                                                                                        Schedule 1
12                  were not captured by Additions to Gross                                            Gross Impaired Loans &                                       Canadian dollars equivalent                  Dollar Amount    Numeric(15)       Mandatory    Retail and Wholesale
     Impaired                                                                                                                                                                                     Schedule 2
                    Impaired Loans & Acceptances, Gross                                                Acceptance
     Loans and
                    Impaired Loans & Acceptances Returned to
     Acceptances
                    Accrual Status or Write-Offs.
                    Amounts in this category includes other
     Other          changes to the final quarterly balance of
     Changes in     Total Allowances that were not captured by                                         Sum of Other Changes in                                                                    Schedule 1
13                                                                                                                                                                  Canadian dollars equivalent                  Dollar Amount    Numeric(15)       Mandatory    Retail and Wholesale
     Allowances for one of Write Offs, Recoveries, Specific                                            Allowances for Credit Losses                                                               Schedule 2
     Credit Losses Provisions for Credit Losses or General
                    Provisions for Credit Losses.
     Reporting
28   Date of        The last day of each fiscal quarter.                                                                                                                                                         Alphanumeric     Alphanumeric(8)   Mandatory    None
     Information




                      ** Exposure Class Mapping Between BCAR and BH Returns

                      BCAR Exposure
                      Class                    SICMDC Exposure Class
                      Corporate                Corporate CRE
                                               Corporate Non-CRE
                      Bank                     Bank
                      Sovereign                Sovereign
                      Residential Mortgage     Residential Mortgage - CMHC Insured
                                               Residential Mortgage - Other Insured
                                               Residential Mortgage - Non-Insured
                                               HELOC
                      Other Retail             Credit Card
                                               Line of Credit
                                               Other Retail excl SME
                      SBE Other Retail         Retail SME - CRE
                                               Retail SME - Non-CRE




                                                                                                                                             Page 7 of 13
                                                                                                                                                                                 UNCLASSIFIED




                                                                             Reference Table
Table 1: Exposure Classes
                 Segment Name - Retail                                                Description                                                   Reference                       Data Type
                                                                                                                                    Sections 3.1.7. and 3.1.9. of Capital
                  Total Retail Exposures              Defined in the Capital Adequacy Report Guideline                              Adequacy Requirement – Simpler               Numeric(4)
                                                                                                                                    Approach (Guideline A)
                                                      Loans secured by first mortgages on individual condominium residences and Section 3.1.9. of Guideline A
                                                      one-to-four unit residences made to a person(s) or guaranteed by a person(s).
                                                      Collateral mortgages (first and junior) or individual condominium residences
          Residential Mortgage - CMHC Insured                                                                                                                                    Numeric(4)
                                                      or and one-to-four unit residences made to a person(s) or guaranteed by a
                                                      person(s), where no other party holds a senior or intervening lien on the
                                                      property to which the collateral mortgage applies.– claims insured by CMHC
                                                      Loans secured by first mortgages on individual condominium residences and Section 3.1.9. of Guideline A
                                                      one-to-four unit residences made to a person(s) or guaranteed by a person(s).
                                                      Collateral mortgages (first and junior) or individual condominium residences
          Residential Mortgage - Other Insured        or and one-to-four unit residences made to a person(s) or guaranteed by a                                                  Numeric(4)
                                                      person(s), where no other party holds a senior or intervening lien on the
                                                      property to which the collateral mortgage applies.– claims insured by other
                                                      mortgage insurance companies

                                                      Loans secured by first mortgages on individual condominium residences and Section 3.1.9. of Guideline A
                                                      one-to-four unit residences made to a person(s) or guaranteed by a person(s).
                                                      Collateral mortgages (first and junior) or individual condominium residences
           Residential Mortgage - Non-Insured         or and one-to-four unit residences made to a person(s) or guaranteed by a                                                  Numeric(4)
                                                      person(s), where no other party holds a senior or intervening lien on the
                                                      property to which the collateral mortgage applies.– claims not insured

                                                      Lines of credit secured by equity in a residential property, but not reported    Basel Capital Adequacy Reporting
               Home Equity Line of Credit                                                                                                                                        Numeric(4)
                                                      as residential mortgage exposure                                                 (BCAR) Instructions (page 8)
                                                      Credit Card exposures to natural persons. (Credit card exposures to business     no BCAR Instructions definition
                       Credit Cards                                                                                                                                              Numeric(4)
                                                      are reported under SME.)
                                                      Revolving loans not secured by real estate, excluding credit card and SME        no BCAR Instructions definition
                      Line of Credit                                                                                                                                             Numeric(4)
                                                      exposures
                                                      Corporate exposures where the reported sales for the consolidated group of       CAR (A1) – Par. 273, BCAR
                                                      which the business is part is less than 50million Euro and the counterparty      Instructions pages 6 & 8 - reference to
                                                      exposure is less than CAD1.25mln. SME exposure includes credit card              SBE
                       Retail SME                                                                                                                                                Numeric(4)
                                                      exposures to businesses. ---- Please note that Schedules 10 and 11 of the
                                                      Capital Adequacy Returns refer to this asset class as "SBE"

                                                      Corporate exposures that meet the definition of Retail SME (as defined           CAR (A1) – Par. 273, BCAR
                                                      above) and also meet the definition of either Land-banking, Interim              Instructions pages 6 & 8 - reference to
                    Retail SME - CRE                                                                                                                                             Numeric(4)
                                                      Financing, Revenue Generating Multi unit Residential or Other Revenue            SBE
                                                      Generating, as defined below
                                                      Corporate exposures that meet the definition of Retail SME (as defined           CAR (A1) – Par. 273, BCAR
                                                      above) but do not meet the definition of either Land-banking, Interim            Instructions pages 6 & 8 - reference to
                 Retail SME - Non-CRE                                                                                                                                            Numeric(4)
                                                      Financing, Revenue Generating Multi unit Residential or Other Revenue            SBE
                                                      Generating, as defined below
                                                      Retails claims that meet the criteria as outlined in Section 3.1.7. of Capital   Section 3.1.7. of Guideline A
                       Other Retail                   Adequacy Requirement – Simpler Approach and are not reported under other                                                   Numeric(4)
                                                      retail asset classes
               Segment Name - Wholesale
                Total Wholesale Exposure                    Refer to OSFI's Capital Adequacy Report Guideline                                                                    Numeric(4)
                                                 Exposures that are risk weighted in accordance with section 3.1.7.. of                Sections 3.1.7. of Guideline A
                        Corporate                                                                                                                                                Numeric(4)
                                                 Capital Adequacy Requirement – Simpler Approach (January 2008)
                                                 Exposures that are risk weighted in accordance with section 3.1.7.. of                Sections 3.1.7. of Guideline A
                                                 Capital Adequacy Requirement – Simpler Approach (January 2008) and also
                   Corporate CRE                 meet the definition of either Land-banking, Interim Financing, Revenue
                                                 Generating Multi unit Residential or Other Revenue Generating, as defined
                                                 below
                                                 Exposures that are risk weighted in accordance with section 3.1.7.. of                Sections 3.1.7. of Guideline A
                                                 Capital Adequacy Requirement – Simpler Approach (January 2008) but do
                Corporate Non-CRE                not meet the definition of either Land-banking, Interim Financing, Revenue
                                                 Generating Multi unit Residential or Other Revenue Generating, as defined
                                                 below
                                                 Exposures that are risk weighted in accordance with sections 3.1.1., 3.1.2.,          Sections 3.1.1, 3.1.2, 3.1.3. of Guideline
                      Sovereign                  and 3.1.3. of Capital Adequacy Requirement – Simpler Approach (January                A                                          Numeric(4)
                                                 2008)
                                                 Exposures that are risk weighted in accordance with sections 3.1.4., 3.1.5.,          Sections 3.1.4., 3.1.5., 3.1.6. of
                         Bank                    and 3.1.6.. of Capital Adequacy Requirement – Simpler Approach (January               Guideline A                               Numeric(4)
                                                 2008)
   Segment Name - Commercial Real Estate Financing
                                                 Financing for unimproved or non-revenue generating land where servicing or            Not defined in Guideline A or BCAR
                Total Land-banking                                                                                                                                               Numeric(4)
                                                 development has not occurred.                                                         Instructions
                                                 Financing for lot servicing, construction or renovation of buildings of all           Not defined in Guideline A or BCAR
                                                 types. Includes financing for the land being improved. This category                  Instructions
                   Interim Finance               includes all exposures with construction and/or completion risk, regardless                                                     Numeric(4)
                                                 of the type of property being financed, except for an individual building a
                                                 single family home as his residence.
                                                 Completed rental apartment buildings (> 4 units). Includes mixed use                  Not defined in Guideline A or BCAR
            Re.Gen. Multi unit Residential       properties where residential space represents more than 50% of total space.           Instructions                              Numeric(4)

                                                      Completed retail, office/commercial, industrial, mixed use (with less than       Not defined in Guideline A or BCAR
                                                      50% residential), warehouse and special purpose properties with > 50% of         Instructions
             Other Revenue Generating CRE                                                                                                                                        Numeric(4)
                                                      the space leased/rented to tenants not related to the owner or affiliates.
                                                      Includes long term care facilities.

                                                                                          Page 8 of 13
                                                                                                                                                          UNCLASSIFIED




                                                                   Reference Table

Table 2: Securitization
                      Segment Name                                         Description                                                                       Data Type

                                             The notional value of the total managed outstanding exposure                                                Numeric(4)
                     Before Securitization   generally the total of on-balance sheet and off-balance sheet assets.
                                             The notional value of the total on balance sheet outstanding
                                                                                                                                                         Numeric(4)
                     After Securitization    exposure.

Table 3: Geography
                       Segment Name                                        Description                                                                         Data Type
                                                                                                                      Geographic distribution rules are not
                                                                                                                         further defined in Guideline A or
                                                                                                                        BCAR Instructions beyond simple
                                                                                                                      rules to the left here. Sovereign and
                                                                                                                            Public Sector Entities (PSE)
                                                                                                                          exposure class definitions are
                                                                                                                            covered in S 3.1.1 - 3.1.3 of
                                             The notional value of the total outstanding exposure allocated to             Guideline A. Due to systems
                      Total Geographies      geographic areas by location of a) operations; b) collateral; or c) head     limitations, for Sovereign/PSE    Numeric(4)
                                             office of the borrower.                                                    exposures in Canada, classify by
                                                                                                                        Province of the head office of the
                                                                                                                       borrowing entity, not "Canada" (i.e.
                                                                                                                         Federal debit issued by Bank of
                                                                                                                           Canada - Ontario, a lease to
                                                                                                                         Environment Canada - Quebec,
                                                                                                                            operating loan to Dalhousie
                                                                                                                           University - Nova Scotia etc).
                     Total Canada            see description under "Total Geographies"                                                                      Numeric(4)
                          Alberta            see description under "Total Geographies"                                                                      Numeric(4)
                    British Columbia         see description under "Total Geographies"                                                                      Numeric(4)
                        Manitoba             see description under "Total Geographies"                                                                      Numeric(4)
                    New Brunswick            see description under "Total Geographies"                                                                      Numeric(4)
               Newfoundland and Labrador     see description under "Total Geographies"                                                                      Numeric(4)
                 Northwest Territories       see description under "Total Geographies"                                                                      Numeric(4)
                      Nova Scotia            see description under "Total Geographies"                                                                      Numeric(4)
                         Nunavut             see description under "Total Geographies"                                                                      Numeric(4)
                          Ontario            see description under "Total Geographies"                                                                      Numeric(4)
                 Prince Edward Island        see description under "Total Geographies"                                                                      Numeric(4)
                         Quebec              see description under "Total Geographies"                                                                      Numeric(4)
                     Saskatchewan            see description under "Total Geographies"                                                                      Numeric(4)
                          Yukon              see description under "Total Geographies"                                                                      Numeric(4)
                            US               see description under "Total Geographies"                                                                      Numeric(4)
                         All Other           see description under "Total Geographies"                                                                      Numeric(4)

Table 4: Delinquency Buckets
                     Segment Name                                             Description                                                                    Data Type
                                             The notional value of the total outstanding exposure, where
                           Current           borrower's payment obligations are not in arrears, in accordance with                                       Numeric(4)
                                             the institution's internal policies.
                                             The notional value of the total outstanding exposure, where
                                             borrower's payment obligations are considered to be in arrears for                                          Numeric(4)
                     Arrears - 1d to 30d -   less than 31 days, in accordance with the institution's internal policies.
                                             The notional value of the total outstanding exposure, where
                                             borrower's payment obligations are considered to be in arrears for                                          Numeric(4)
                    Arrears - 31d to 60d -   more than 30 days but less than 61 days, in accordance with the
                                             The notional value of the total outstanding exposure, where
                                             borrower's payment obligations are considered to be in arrears for                                          Numeric(4)
                    Arrears - 61d to 90d -   more than 60 days but less than 91 days, in accordance with the
                                             The notional value of the total outstanding exposure, where
                                             borrower's payment obligations are considered to be in arrears for                                          Numeric(4)
                    Arrears - over 90 days   more than 90 days, in accordance with the institution's internal

Table 5: Industry
                      Segment Name                                      Description                                                                         Data Type
      Agriculture                            NAICS codes provided in the "Industry Buckets" section                                                      Numeric(4)
      Capital Goods                          NAICS codes provided in the "Industry Buckets" section                                                      Numeric(4)
      Communications                         NAICS codes provided in the "Industry Buckets" section                                                      Numeric(4)
      Energy                                 NAICS codes provided in the "Industry Buckets" section                                                      Numeric(4)
      Financial Services                     NAICS codes provided in the "Industry Buckets" section                                                      Numeric(4)
      Government & Sovereign                 NAICS codes provided in the "Industry Buckets" section                                                      Numeric(4)
      Life Sciences                          NAICS codes provided in the "Industry Buckets" section                                                      Numeric(4)
      Manufacturing                          NAICS codes provided in the "Industry Buckets" section                                                      Numeric(4)
      Metal & Mining                         NAICS codes provided in the "Industry Buckets" section                                                      Numeric(4)
      Real Estate                            NAICS codes provided in the "Industry Buckets" section                                                      Numeric(4)
      Resources & Basic Materials            NAICS codes provided in the "Industry Buckets" section                                                      Numeric(4)
      Retail & Wholesale                     NAICS codes provided in the "Industry Buckets" section                                                      Numeric(4)
      Technology                             NAICS codes provided in the "Industry Buckets" section                                                      Numeric(4)
      Transportation                         NAICS codes provided in the "Industry Buckets" section                                                      Numeric(4)
      Services                               NAICS codes provided in the "Industry Buckets" section                                                      Numeric(4)
      Other                                  NAICS codes provided in the "Industry Buckets" section                                                      Numeric(4)




                                                                               Page 9 of 13
                                                                                                                                                                                                                                                      UNCLASSIFIED



                                                                                                                Industry Buckets


    #   SICMDC industry group   IRB industry group   Canadian NAIC code - first 3 digits and range of 4th, 5th         General Description
                                                     and 6th digits (when necessary)
1       Agriculture             Agriculture                                                                             soybean, oildseed and bean farming, wheat, corn and rice farming, other grain farming, vegetable farming, orange groves, nurseries
                                                                                                                        and floriculture production, tobacco farming, cotton farming, sugar-cane, hay and other crop farming, beef cattle ranching and farming
                                                                                                                        (including feedlots), dairy cattle and milk production, hog and pig farming, chicken and egg production, turkey and other poultry
                                                     111 (1-4, 9) : 112 (1-5, 9) : 114 (1-2) : 115 (1-2) : 311 (21, 31,
                                                                                                                        production, sheep and goat farming, animal aquaculture, apiculture, horse and other equine production, livestock farming, fishing,
                                                                   51, 6) : 411 (1) : 413 (16) : 493 (13)
                                                                                                                        hunting and trapping, support activities for crop production, flour milling and malt mfg, sugar mfg, butter cheese and dry and
                                                                                                                        condensed dairy products mfg, animal slaughtering and processing, nursery stock and plant wholesaler-distributor, red meat and
                                                                                                                        meat product wholesaler-distributor

2       Capital Goods           Construction                                                                             Highway, street and bridge construction, sewer contruction, construction management, site work, structural steel and precast concrete
                                                                                                                         work, crane rental, carpentry work, masonry work, roofing, metallic and other siding work, drywall, other building exterior work, tile
                                                                                                                         work, carpet and other resilient flooring work, insulation work, building painting and other interior work, electrical work, plumbing -
                                                     231 (31, 32, 39, 4) : 232 (1-5, 9) : 237 (11, 13, 3, 9) : 238 (1-3, heating - air condition work, sprinkler installation, commercial refrigeration, elevator / escalator installation, residential and commercial
                                                          9) : 321 (1, 9) : 324 (12) : 327 (1-4, 9) : 532 (41, 49)       paving contracting, power and communication line construction, other heavy and civil engineering construction, finish carpentry
                                                                                                                         contractors, other specialty trade contractors, shingle and shake mills, window and door manufacturing, pottery, asphalt paving,
                                                                                                                         mining and forestry machinery and construction equipment rental, ceramics, glass and glass product mfg, cement mfg, ready-mix
                                                                                                                         concrete mfg, concrete pipe, brick and block mfg, lime - gypsum and abrasive product mfg, all other non-metallic mineral product mfg
                                Defence                                           911(1)                                  Defence services
                                Industrial & Heavy                                                                        Forging and stamping, plate work and fabricated structural product manufacturing, other ornamental and architectural metal products
                                Equipment                                                                                 mfg, metal cans, boxes and other metal container mfg, machine shops, metal valve, ball and roller bearing mfg, construction
                                                     332 (1, 3, 4, 6 - 9) : 333 (1 - 6, 9) : 335 (12, 93) : 336 (9) : 339
                                                                                                                          machinery mfg, sawmill and woodworking machine mfg, mining and oil and gas field machinery mfg, engine turbine and power
                                                                                (95) : 485 (1)
                                                                                                                          transmission equipment mfg, lighting fixture, wiring device and sign mfg, all other general purpose metal mfg, other transportation
                                                                                                                          equipment manufacturing, urban transit systems

3       Communications          Cable                                      513 (2-3) : 517 (4-5)                       Pay and specialty television, cable and other program distribution, satellite communication
                                Media                                                                                  printing services, newspaper publishers, publishing - periodical - book - database and directory, motion picture and video production
                                                                                                                       and distribution, record production, music publishers, sound recording studios, radio broadcasting, television broadcasting, pay and
                                                     323 (1) : 511 (1) : 512 (11,12, 19, 2) : 513 (1) : 514 (11) : 515
                                                                                                                       speciality television, internet publishing, news syndicates, advertising agencies, public relations services, media buying agencies,
                                                                     (1-2) : 516 (1) : 519 (1) : 541 (8)
                                                                                                                       media representatives, display advertising, direct mail advertising, other advertising services

                                Telecom                                                                                 Radio and television broadcasting and wireless communication equipment manufacturing, communication and energy wire and cable
                                                     334 (2) : 335 (92) : 417 (32) : 513 (31, 32, 33, 39) : 517 (1 - 3,
                                                                                                                        mfg, electronic components, navigational and communications, equipment and supplies distrb, wired telecommunication carriers,
                                                                                9) : 518 (1)
                                                                                                                        telecommunication resellers, internet service providers, web search portals

4       Energy                  Oil & Gas                                                                               Oil and gas extraction, conventional and non-conventional oil extraction, oil and gas pipelines and related industrial complex
                                                      211 (1) : 213 (1) : 231 (33) : 237 (1) : 324 (11, 19) : 412 (1) :
                                                                                                                        construction, petroleum refineries, other petroleum and coal products mfg, petroleum products wholesale distb, pipeline transportation
                                                                           419 (12) : 486 (1-2, 9)
                                                                                                                        of crude oil, natural gas and refined petroleum products
                                Utilities                                                                               Power generation - electric, hydro-electric, fossil-fuel, nuclear, etc. , electric power transmission - control and distb., natural gas distb.,
                                                                                221 (1 - 3)
                                                                                                                        water supply and irrigation systems, sewage treatment facilities, steam and air-conditioning supply
                                                                                                                                                                                                                                                      UNCLASSIFIED



                                                                                                                    Industry Buckets
5   Financial Services       Banks & Trusts                                                                              Banking, personal and commercial banking, corporate and institutional banking industry, local credit unions, other depository credit
                                                                                                                         intermediation, credit card issuing, sales financing, other non-depository credit intermediation, mortgage and non-mortgage loan
                                                                                  522 (1-3)
                                                                                                                         brokers, financial transaction processing, reserve and clearing house activities, other activities related to credit intermediation

                             Funds                                                                                       Portfolio management, open-end investment funds, equity funds - canadian and foreign, money market funds, bond and income /
                                                                  523 (92) : 526 (91, 93, 98) : 551 (113)                dividend funds - canadian and foreign, balanced funds, other open-ended funds, segregated (except pension) funds, all other funds
                                                                                                                         and financial vehicles, holding companies
                             Insurance                                                                                   Direct Life, Individual Life and Group Life - health and medical insurance carriers, Life reinsurance carriers, accident and sickness
                                                                                                                         reinsurance carriers, insurance agencies and brokerages, other insurance related activities, claims adjusters, direct insurance, direct
                                                                                  524 (1 - 2)                            general property and casualty insurance carriers, direct private automobile insurance carriers, direct property insurance carriers, other
                                                                                                                         direct insurance (except life, health and medical) reinsurance carriers, property reinsurance carriers, liability reinsurance, general and
                                                                                                                         other reinsurance carriers
                             Pension Funds                                         526 (1)                               Pension funds, trusteed pension funds, non-trusteed pension funds
                             Securities, Brokerage                                                                       Investment banking and securities dealing, securities brokerage, comodity contracts dealing, commodity contracts brokerage,
                                                                            523 (1-2, 91, 93, 99)
                             & Other                                                                                     securities and commodity exchanges, miscellaneous intermediation, investment advice, all other financial investment activities
                             Securitization                                       526 (981)                              Securitization vehicles

6   Government & Sovereign   Multilateral                                                                                International and other Extra-Territorial Public Administration
                                                                                   919 (1)
                             Development Banks
                             Provincial/Municipal/Re                                                                     Provincial Courts of Law, provincial services - correctional, police, fire-fighting, regulatory, protective, labour and employment, and
                             gional Government                  912 (1-2, 9) : 913 (1, 9) : 914 (1) : 611 (1)            other provincial and territorial public administration, Municipal Courts of Law, Municipal services - correctional , police, fire-fighting,
                                                                                                                         regulatory, protective and other local, regional and public administrations, Aboriginal Public Administration
                             Sovereign & Central                                                                         Federal courts of law, Federal services - correctional, police, regulatory, federal protective, labour and employment, immigration,
                             Bank                                           521 (1) : 911 (2-4, 9)                       foreign affairs, international assistance, and other Federal government public administrations, Monetary Authorities - Central Bank


7   Life Sciences            Healthcare Providers                                                                        Family planning centres, mental health and substance abuse centres, community health centres, medical and diagnostics
                                                          621 (4, 6, 9) : 622 ( 1 - 3) : 623 ( 1 - 3, 9) : 624 (1 - 4)   laboratories, home health care services, ambulance services, hospitals, care facilities for elderly, child and youth services, community
                                                                                                                         housing and food services, child day-care services, vocational rehabilitation services
                             Medical Equipment                                                                           Measuring, medical and controlling devices mfg, manufacturing and reproducing magnetic and optical media, medical equipment and
                                                                           334 ( 512, 6) : 339 (1)
                                                                                                                         supplies mfg
                             Pharmaceuticals/Drugs                                                                       Pharmeceutical and medicine mfg, medical and diagnostics laboratories
                                                                              325 (4) : 621 (5)
                             & Research

8   Manufacturing            Business Products Mfg                                                                     Insitutional furniture mfg, office furniture (inluding fixtures) mfg, wood office furniture, including custom architectural woodwork and
                                                                          337 (127 - 21) : 339 (94)
                                                                                                                       mfg, office furniture (except wood) mfg, office supplies (except paper) mfg
                             Consumer Products                                                                         Soap and cleaning compound mfg, toilet preparation mfg, cutlery and hand tool mfg, hardware mfg, electric lamp bulb and parts mfg,
                                                   325 (6) : 332 (2, 5) : 335 (1 -2) : 337 (1-2, 9) : 339 (91, 92, 93,
                             Mfg                                                                                       small electric appliance mfg, major appliance mfg, household and furniture mfg, office furniture mfg, showcase, partition, shelving and
                                                                                   99)
                                                                                                                       locker mfg, mattress mfg, blinds and shade mfg, sporting athletic goods mfg, doll, toy and game mfg
                             Food/Beverage/Tobacc                                                                      Animal food mfg, dog and cat food mfg, other animal food mfg, rice and malt mfg, starch, vegetable fat and oil mfg, wet corn milling,
                             o Mfg                                                                                     oilseed processing, fat and oil refining, breakfast cereal mfg, chocolate and confectionary mfg, frozen food mfg, fruit and vegetable
                                                          311 (1, 214, 22, 23, 3, 4, 52, 7, 8, 9) : 312 (1-2)          canning, pickling and drying, ice-cream and frozen dessert mfg, seafood product preparation and packaging, bread and bakery
                                                                                                                       product mfg, commercial bakeries, cookies and pasta mfg, snack food mfg, coffee tea mfg, seasoning and dressing mfg, soft drink
                                                                                                                       and ice mfg, breweries, wineries, distilleries, tobacco stemming and redrying, tobacco product mfg
                             Textiles/Clothing Mfg       313 (1 - 3) : 314 (1, 9) : 315 (1-2, 9) : 316 (1-2, 9)        Textile mills, textile product mills, clothing manufacturing, leather & allied product mfg
                                                                                                                                                                                                                                            UNCLASSIFIED



                                                                                                         Industry Buckets
9    Metals & Mining     Other Mining                                                                            Coal, bituminous, subbituminous, lignite coal, granite, limestone, marble, sandstone, sand, gravel, clay, ceramics, other non-metallic
                                                               212 (1, 31, 32, 39) : 213 (1)                     mineral mining, salt mining, asbestos, gypsum, potash, peat extraction, contract drilling (except oil and gas), other support activities
                                                                                                                 for mining
                         Precious Metals &                                                                       Gold and silver ore mining, diamond mining
                                                                       212 (22, 392)
                         Diamonds
                         Primary Metals &                                                                        Aluminum, Copper, Lead, Titanium and other nonferrous mining
                                                               212 (23, 29) : 331 (3, 4, 52)
                         Aluminum
                         Steel & Iron                  212 (21) : 331 (1-2, 51) : 416 (2) : 418 (11)             Steel and Iron mining and mfg., metal service centres, recyclable metal wholesaler-distributor

10   Real Estate         Commercial Market                                                                       Land subdivision and land development, non-residential building construction, commercial and institutional building const., mortage
                                               231 (1,22) : 236 (2) : 237 (2) : 526 (92) : 531 (12, 13, 21, 3)   investment funds, lessors of non-residential buildings, self-storage warehouses, real estage property managers, offices of real estate
                                                                                                                 agents, brokers and appraisers
                         Residential Market                  231 (21) : 236 (1) : 531 (11, 19)                   Residential building construction, lessors of residential buildings, lessors of social housing projects

11   Resources & Basic   Chemical                                                                                manufacturing of petrochemicals, industrial gas, synthetic dye and pigment, alkali and chlorine, resin and synthetic rubber, synthetic
     Materials                                                        325 (1 - 3, 5, 9)                          fibres, fertilizers, pesticides, paint and coatings, adhesives, printing ink, explosives, and all other chemical product mfg

                         Forestry                                                                                Timber tract operations, forest nurseries and gathering of forest products, logging, support activities for forestry, sawmills and wood
                                                                                                                 preservation, veneer, plywood and engineered wood product mfg, particle board and fibreboard mills, waferboard mills, millwork,
                                              113 (1 - 3) : 115 (3) : 321 (1 -2 , 91, 92, 99, 999) : 322 (1 - 2)
                                                                                                                 wood container and pallet mfg, mills - pulp, paper, newsprint, paperboard, corrugated and solid fibre box mfg, paper bag and coated
                                                                  : 416 (32) : 418 (12, 91)
                                                                                                                 and treated paper mfg, sationery product mfg, sanitary paper product mfg, lumber and plywood and millwork wholesale distrb, log and
                                                                                                                 woodchip distrb, recyclable paper and paperboard wholesaler-distributors
                         Rubber & Plastics                                                                       Plastic film, sheet and bag manufacturing, plastic pipe, pipe fitting and profile shape manufacturing, laminated plastic plates,
                                                                                                                 polystyrene foam products, urethane and other foam product mfg, plastic bottle mgf, plastic plumbing fixture mfg, all other plastic
                                                               326 (11 - 16, 19, 191, 198, 2)
                                                                                                                 product mfg, tire manufacturing, rubber and plastic hose and belting mfg, other rubber product mfg, explosives mfg, all other chemical
                                                                                                                 product mfg

12   Retail              Retail & Wholesale                                                                       Wholesale - General line food items, dairy and milk products, poultry and eggs, fish and seafood, fresh fruit and vegetable, non-
                                                                                                                  alcoholic and alcoholic beverage, cigarette and tobacco, clothing and clothing accessories, footwear, piece goods, other home
                                                                                                                  furnishings, jewellery and watches, books, periodicals and newspapers, photographic equipment, sound recording, video cassette, toy
                                              413 (1 - 3) : 414 (1 - 5) : 415 (1 - 3) : 416 (1, 31, 33, 34, 39) : and hobby goods, sporting goods, pharmaceuticals and pharmacy supplies, toiletries, cosmetics and sundries, new and used
                                              417 (1, 2, 31, 9) : 418 (19, 2, 3, 4, 92, 93, 99) : 419 (1, 13, 14, automobile and light-duty truck, trucks, tractors, and buses, other motor vehicles, tires, other motor vehicle parts, electrical wiring and
                                                                       15, 16, 17, 19)                            construstion supplies, plumbing heating and air-conditioning equipment, building supplies, hardware, farm, lawn and garden
                                                                                                                  machinery, construction and forestry machinery, mining and oil and gas well machinery, industrial machinery, computer equipment,
                                                                                                                  office and store machinery, recyclable metal, stationery, office supplies, paper and disposable plastic product, farm supplies
12   Retail           Retail & Wholesale




                                                                                                                                                                                                                                            UNCLASSIFIED



                                                                                                        Industry Buckets
                                                                                                                   Retail - food beverage and tobacco agents, personal and household goods agents, motor vehicle and parts agents, building material
                                                                                                                   and supplies agents, new car dealers, used car dealers, recreational vehicle dealers, motorcycle, boat and other motor vehicle
                                                                                                                   dealers, automotive parts and accessories dealers, tire dealers, furniture stores, floor covering stores, print and picture frame stores,
                                              441 (1 - 3) : 442 (1-2) : 443 (1) : 444 (1-2) : 445 (1 - 3) : 446 appliance and other electronic stores, computer and software stores, camera and photographic supplies stores, home centres, paint
                                             (1) : 447 (1) : 448 (1 - 3) : 451 (1-2) : 452 (1, 9) : 453 (1 - 3, 9) and wallpaper stores, hardware stores, garden stores, supermarkets, convienience and other grocery stores, meat markets, seafood
                                                            : 454 (1 - 3) : 532 (1-3, 42) : 533 (1)                markets, fruit and vegetable markets, bakeries, liquor stores, pharmacies and drug stores, cosmetics and beauty supplies, gasoline
                                                                                                                   stations, men women and children's clothing stores, shoe stores, jewellery stores, luggage and leather goods, hobby toy and game
                                                                                                                   stores, musical instrument stores, book stores, department stores, florists, office supplies, stationery, pet stores, art dealers


13   Services         Education & Training                                                                         Community colleges and C.E.G.E.P.s, universities, business and secretarial schools, computer training, professional and
                                                                        611 (2 - 7)                                management development training, technical and trade schools, fine art schools, athletic instruction, language schools, all other
                                                                                                                   schools, educational support services
                      Food Services                                       722 (1 - 3)                              Full - service restaurants, limited - service eating places, food service contractors, caterers, mobile food services
                      Gaming/Entertainment                                                                         Motion picture and video exhibition, theatre companies and dinner theatres, musical theatre and opera companies, dance companies,
                                                                                                                   musical groups and artists, other performing art companies, spectator sports, sport teams and clubs, horse race tracks, promoters
                                                                                                                   (presenters) of performing arts, sports and similar events with facilities, sports stadiums, festivals without facilities, agents and
                                                 512 (13) : 711 (1 - 5) : 712 (1) : 713 (1-2, 9) : 722 (4)         managers of artists, athletes, entertainers and other public figures, independent artists, writers and performers, museums, non-
                                                                                                                   commercial art museums, historic and heritage sites, zoos and botanical gardens, amusement and theme parks, amusement
                                                                                                                   arcades, casinos (except casino hotels), other gambling industries, golf courses and country clubs, skiing facilities, marinas, fitness
                                                                                                                   and recreational sport centres, bowling centres, all other amusement and recreational industries, drinking places
                      Lodging                                                                                      hotels (including casino hotels) and motels, bed and breakfast, housekeeping cottages and cabins, RV (recreational vehicle) parks
                                                                          721 (1 - 3)
                                                                                                                   and recreational camps and campgrounds, hunting and fishing camps, vacation camps, rooming and boarding houses
                      Professional & Other                                                                         offices of health practitioners, bus transportation, taxi service, libraries and archives, data processing services, legal services,
                      Services                                                                                     accounting, tax preparation, architectural services, landscape services, engineering and drafting services, geophysical surveying, and
                                                                                                                   mapping services, testing laboratories, interior design services, graphic design services, administrative and general management
                                             485 (2 - 5, 9) : 487 (1-2, 9) : 514 (12, 2, 19) : 518 (2) : 519 (1) services, scientific and other technical consulting services, marketing and research, photographic services, translation services,
                                              : 541 (1 - 7, 9) : 551 (11, 114) : 561 (1 - 7, 9) : 562 (1-2, 9) : veterinary, facilities services, employment placement agencies, document preparation services, call centres, collection agencies,
                                             621 (1 - 3) : 811 (1 - 4) : 812 (1 - 3, 9) : 813 (1 - 4, 9) : 814 (1) credit bureaus, travel agencies, investigation, guard and armoured car services, patrol services, security systems services,
                                                                                                                   locksmiths, pest control, janitorial services, convention and trade show organizers, waste management, automotive repair and
                                                                                                                   maintenance, automotive body, car washes, furniture repair, footwear and leather goods repair, hair salons, funeral homes, laundry,
                                                                                                                   pet care
14   Technology       Computer Equipment                                 334 (1)                               Computer and peripheral equipment manufacturing, does not include chip (semiconductor) mfg
                      Electronics                            334 (3, 4, 511) : 335 (3, 91, 99)                 mfg - semi-conductors, audio & video, navigation & guidance instruments, electrical equipment and components, batteries
                      Software                                           511 (2)                               software developers/publishers

15   Transportation   Automotive                            326 (193) : 336 (1 - 3) : 488 (49)                  transportation equipment mfg. (parts, vehicle, body, trailer), other support activities for road transportation
                      Aviation & Aerospace                    336 (4) : 481 (1 - 2) : 488 (1)                   aerospace products and parts mfg. , scheduled/non-scheduled air transportation, support activities for air transportation
                      Railroads                                336 (5) : 482 (1) : 488 (2)                      railroad rolling stock mfg., rail transport (freight, passenger)
                      Shipping - Water                                                                          ship and boat building & repairing, water transportation, port and harbour operations, marine cargo handling, navigational services,
                                                            336 (6) : 483 (1 - 2) : 488 (3, 511)
                      Transport                                                                                 marine salvage services, ship piloting, marine shipping agencies
                      Trucking & Courier                                                                        general frieght trucking, household/office moving, bulk materials and forrest products trucking, freight transportation arrangement,
                                             484 (1 - 2) : 488 (41, 51, 519, 99) : 491 (1) : 492 (1) : 493 (11,
                                                                                                                motor vehicle towing, other freight transportation and support activities for transportation, postal service, couriers, general
                                                                          12, 19)
                                                                                                                warehousing and storage, refrigerated warehousing

								
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