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Regulatory Disclosures

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Regulatory capital disclosures for Home Trust Company are provided in the Capital Disclosure Template and Leverage Ratio Common Disclosure Template prescribed by the Office of the Superintendent of Financial Institutions Canada (OSFI) and can be accessed below.

Regulatory Capital Disclosure

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Home Trust Company calculates capital ratios and regulatory capital based on the capital adequacy requirements issued by the Office of the Superintendent of Financial Institutions Canada (OSFI), which are based on "International Convergence of Capital Measurement and Capital Standards – A Revised Framework" (Basel II) and "Basel III: A global framework for more resilient banks and banking systems – A Revised Framework" (Basel III). The Company adopted the new Basel III capital requirements in the first quarter of 2013. Regulatory capital disclosures for Home Trust Company are provided in the Capital Disclosure Template prescribed by OSFI and can be accessed by clicking on the following links:

Leverage Ratio Common Disclosure

Home Trust Company calculates the leverage ratio based on the Basel III leverage ratio framework and OSFI’s Leverage Requirements Guideline, which provide a simple, transparent, non-risk based leverage ratio to act as a supplementary measure to the risk-based capital requirements. The Company adopted the leverage requirements in the first quarter of 2015. A breakdown of the main leverage ratio regulatory elements on an “all-in” basis are provided in the Leverage Ratio Common Disclosure Template prescribed by OSFI and can be accessed by clinking on the following links:

Additional required regulatory disclosures, such as the Pillar 3 disclosure requirements of the Basel Committee on Banking Supervision and the disclosure requirements outlined in OSFI guidelines, are provided in the following published documents of Home Capital Group Inc. (Home Trust Company’s parent company):

Home Capital Group Inc. Quarterly Reports

Home Capital Group Inc. Supplementary Financial Information

Home Capital Group Inc. Annual Reports

Home Capital Group Inc. Management Information Circular

Additional information, including archived reports, is also available on the following Home Capital Group Inc. web pages:

Home Capital Group Inc. Investor Relations