Bank earnings wrap up as results disappoint and interest rates, recessionary fears bite

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TD Bank, RBC report lower second-quarter profits, CIBC tops analyst estimates as net income rises over previous year’s mark

TD’s shares dropped 4.2 per cent Thursday and RBC slumped 1.8 per cent, while CIBC gained 2.1 per cent.profit fell 14 per cent from a year earlier to $3.6-billion, or $2.58 per share. Adjusted to exclude certain items, the bank said it earned $2.65 per share, falling below the $2.80 per share analysts expected, according to Refinitiv.

Provisions for credit losses – the funds that banks reserve for loans that could go bad during an economic downturn – have been edging higher across the sector, climbing from their lows early last year when the extreme defaults feared during the COVID-19 pandemic were not as bad as anticipated. , dampened the bank’s growth forecast. The lender said in its second-quarter results that it does not expect to meet its target range for growth in earnings per share over the medium term of 7 to 10 per cent.

With TD’s peer-leading capital cushion no longer earmarked for the deal, the bank plans to repurchase 30 million shares, representing 1.6 per cent of its outstanding shares. To bolster its derailed U.S. expansion plans, the lender will open 150 U.S. retail branches by 2027, executives told analysts during TD’s conference call. Chief financial officer Kelvin Tran said that the lender is also considering raising its dividend and looking at other growth opportunities.

 

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Here’s a breakdown of the big banks’ second-quarter earnings so farThe six largest banks in Canada – CIBC, TD Bank, BMO, Scotiabank, RBC and National Bank – release their second-quarter financial results against a backdrop of lower profit expectations from analysts and economic downturn
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