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2L Schedule for Liability Reporting by Counterparty

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2L Schedule for Liability Reporting by Counterparty Deposit-Taking Institutions - Reporting Manual EB/ET – 2L Schedule for Office of the Superintendent of Financial Institutions Liability Reporting by Counterparty EB/ET Interbank and Major Exposures Return – 2L Schedule for Liability Reporting by Counterparty PURPOSE The purpose of the EB/ET – 2L schedule for liability reporting by counterparty, is to provide a better understand of the interconnectedness between financial institutions and improve the monitoring of shadow banking and DSIB funding activities. STATUTORY Sections 628 of the Bank Act APPLICATION This return applies to the following banks: Royal Bank of Canada (RBC), Toronto Dominion Financial Group (TD), Bank of Nova Scotia (BNS), Bank of Montreal (BMO), Canadian Imperial Bank of Commerce (CIBC), and National Bank of Canada (NBC). PUBLICATION [A formal statement will be provided] FREQUENCY Quarterly – calendar REPORTING DATES This return is to be completed as of the end of each quarter and submitted within 50 days of the quarter-end date. CONTACT AGENCY Bank of Canada SCOPE The scope of this return is limited to the Net Cumulative Cash Flow return. Revised: August 2019 Page 1 Deposit-Taking Institutions - Reporting Manual EB/ET – 2L Schedule for Office of the Superintendent of Financial Institutions Liability Reporting by Counterparty GENERAL INSTRUCTIONS The EB/ET-2L is to provide a counterparty breakdown of select liabilities using the definitions provided on the NCCF return unless otherwise stated. 1. COUNTERPARTY IDENTIFICATION This return has a mix of fixed counterparties, variable counterparties, and an aggregated “other” column for each category. The fixed counterparties are named entities and will be reported on every reporting period regardless of their ranking. Variable counterparties will also be named but can change from one reporting period to another and are numbered by category (e.g. Auto Lender 1, Auto Lender 2, Auto Lender 3, …). The selection of the variable counterparties is to be updated every period using the counterparty rankings, to report the largest counterparties in every category without duplicating the counterparties already reported as fixed counterparties. The “other” column for each category captures the residual aggregate values for all counterparties that are not individually identified as either fixed or variable counterparties. 2. COUNTERPARTY RANKING To be based on the total reported on row C1. 3. INDUSTRY CLASSIFICATION This return uses the 2017 North American Industry Classification System (NAICS) as a guide to map financial institutions to the industries on the EB/ET-2L. The concordance table is in Appendix I ‘Concordance Table – NAICS to EB/ET Liabilities’. Corporate conglomerates that satisfy the criteria of multi-sector classification should be categorized on a best efforts basis. Additionally, a small number of the 6-digit NAICS classifications apply to multiple EB/ET categories (522111, 522112, 523920, 523990, 526989, 522299), counterparties with these classifications are to be allocated to the EB/ET categories on a best efforts basis. For example: A counterparty would be classified into a single industry instead of allocating or “spreading” the balance into multiple industries, unless the spread already exists. 4. COUNTERPARTY CONSOLIDATION The ‘fixed’ counterparties named on the template are to be reported on a consolidated basis subject to the exceptions listed below. Reporting banks are asked on a best efforts basis to consolidate the ‘variable’ counterparties which are also subject to the exceptions listed below. 1. Funds and investment vehicles (e.g. mutual funds, other investment funds, and special purpose vehicles) are to be reported as separate counterparties 2. Auto lenders are to be reported as individual counterparties and not consolidated into non-financial parent companies. 3. Otherwise counterparties are generally expected to be consolidated at the ultimate parent level, except for the following cases: 1. Manulife Financial Corporations: All entities in the corporate structure of Manulife Financial Corporation are allotted to “Insurance Companies” except for the following cases: Revised: August 2019 Page 2 Deposit-Taking Institutions - Reporting Manual EB/ET – 2L Schedule for Office of the Superintendent of Financial Institutions Liability Reporting by Counterparty a. Manulife Bank of Canada (LEI:5493001EC14NJPX15P10): is to be reported under “Deposit Taking Institutions (excluding credit unions)” b. Manulife Asset Management and subsidiaries are to be reported separately into their respective categories (e.g. Investment Management Companies, Mortgage Investment Corporations/Mortgage Investment Funds, and Real Estate Investment Companies). 2. Power Corporation of Canada: All entities in the corporate structure of Power Corporation of Canada are allotted to “Insurance Companies” except for the following cases: a. IGM Financial Inc. and subsidiaries are to be reported separately into their respective categories (e.g. Investment Management Companies, Mortgage Investment Corporations/Mortgage Investment Funds, and Real Estate Investment Companies). b. Power Energy Corporation and subsidiaries are to be reported in the Non-Financial Corporations category. c. Sagard Funds (Sagard Europe, Sagard Holdings, and Sagard China) are to be reported separately in the Investment Management Companies category. 3. Domestic government counterparties are to be consolidated up to the GBE level http://www.osfi- bsif.gc.ca/Eng/Docs/GBE.pdf 5. CROSS RETURN RULES The total of each row on the EB/ET – 2L is required to reconcile with the NCCF. 6. DEFINITIONS • Before netting: “before netting” is gross of netting between repo and reverse repo, and prior to offsetting with collateral. • Total repurchase agreements denominated in Canadian dollars after market value of collateral: Gross repo balance after offset with pre-haircut collateral. • Maturity bucketing: is presumed to be based on residual maturity (consistent with NCCF report) instead of original maturity • Independent investment dealers: Investment dealers that are not consolidated subsidiaries of the big 6 banks. • Clearing houses: For the purpose of this return, clearing houses are entities that will have a central counterparty function. 7. FINANCIAL INSTRUMENT CATEGORIES The definitions for financial instrument categories on the EB/ET-2L follow the financial instrument definitions of the NCCF Return subject to the notes and exceptions listed below. 1. Part A Non-Negotiable Deposits: Deposits are to be broken down by counterparty with the exception of ‘negotiable’ deposits that are to be allocated to a single column (column 205). 2. Part A customer’s BAs issued, swapped intrabank deposits and deposits from affiliates: BAs should be reported in column 205 with other negotiable deposits. Cross currency funding with affiliates (NCCF line 313) and deposits from affiliates (NCCF line 314) is to be reported as funding from that own entity (e.g. CIBC will enter the value of NCCF line 312 (sum of line 313 and 314) under the 2L template Column 2, RBC will enter their NCCF line 312 in 2L template Column 3, etc.). Revised: August 2019 Page 3 Deposit-Taking Institutions - Reporting Manual EB/ET – 2L Schedule for Office of the Superintendent of Financial Institutions Liability Reporting by Counterparty 3. Part B components must be zero or positive in lines 1f, 2f and 3f: The intent is to capture the value of under-collateralization. As such, repos and securities lent are assessed at the individual transaction level. a. If the cash leg is less than or equal to the collateral leg (i.e. over-collateralization), a zero value will be reported for that transaction. b. If the cash leg is greater than the collateral leg (i.e. under-collateralization), the value reported for that transaction will be equal to the cash leg subtract the collateral leg. c. The value reported in these three lines will be the sum of all individual values calculated for the individual transactions pertaining to those lines. Revised: August 2019 Page 4 Deposit-Taking Institutions - Reporting Manual EB/ET – 2L Schedule for Office of the Superintendent of Financial Institutions Liability Reporting by Counterparty APPENDIX I – CONCORDANCE TABLE – NAICS TO EB/ET LIABILITIES EB/ET Assets North American Industry Classification (NAICS) Industry 2-Digit 3-Digit 4-Digit 5-Digit 6-Digit Big 6 Banks 52 522 (Credit 5221 52211 522111 (Personal and (Finance intermediation (Depository (Banking) commercial banking and and related credit industry) Insurance) activities) intermediation) NOTE: This category may also apply to “Other Deposit Taking Institutions (excluding credit unions)” 522112 (Corporate and institutional banking industry) NOTE: This category may also apply to “Other Deposit Taking Institutions (excluding credit unions)” Other Deposit Taking 52 522 (Credit 5221 52211 522111 (Personal and Institutions (excluding (Finance intermediation (Depository (Banking) commercial banking credit unions) and and related credit industry) Insurance) activities) intermediation) NOTE: This category may also apply to “Big 6 Banks” 522112 (Corporate and institutional banking industry) NOTE: This category may also apply to “Big 6 Banks” 52219 (Other 522190 (Other depository depository credit credit intermediation) intermediation) Insurance Companies 52 524 (Insurance 5241 52411 (Direct 524111 (Direct (Finance carriers and (Insurance life, health and individual life, health and related carriers) medical and medical insurance Insurance) activities)
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