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Skip Navigation LinksATB Financial > About > Our Business

 Our Business

Our goal is to help you reach your goals.

Atb Governance

Knowing you is the essence of ATB Financial’s business. We understand the challenges our customers face, and we work with you to find the best solutions, providing strong financial and investment advice, as well as quality products and services to help you reach your goals.

Our commitment and connection to the people of this province, combined with our world-class capability and competency and our unbridled enthusiasm for helping clients succeed, make us the choice of a growing number of Albertans.

Regulatory framework

ATB Financial became a provincial Crown corporation on October 8, 1997, under the authority of the Alberta Treasury Branches Act, Chapter A-37.9, 1997 and Alberta Treasury Branches Regulation 187/97 (the "ATB Act" and "ATB Regulation," respectively).

As Crown corporations, ATB Financial and its subsidiaries operate under a legal framework established pursuant to the provisions of the ATB Act and ATB Regulation. This legislation was modelled on the legislation governing other Canadian financial institutions and is amended periodically. ATB Financial also operates within the legal framework established by such statutes of general application affecting the operations of provincial Crown corporations such as the Financial Administration Act, Government Accountability Act and Alberta Public Agencies Governance Act and applicable legislation dealing with consumer protection, privacy and money laundering. ATB Financial’s investor services subsidiaries are also subject to regulatory oversight by the Investment Industry Regulatory Organization of Canada and the Alberta Securities Commission.

A Mandate and Roles document entered into between the Minister of Finance and Enterprise and ATB Financial provides guidance to ATB Financial in conducting its affairs further to the ATB Act and ATB Regulation.

In addition to the ATB Act and ATB Regulation, ATB is subject to regulatory oversight by the Alberta Superintendent of Financial Institutions who, on behalf of the Minister of Finance and Enterprise, has issued the following Guidelines and Ministerial Order, (similar to those issued by the Office of the Superintendent of Financial Institutions that supervises federally regulated deposit-taking institutions):

Capital Adequacy

Ministerial Order on Capital Adequacy

Derivatives Best Practices

Legislative Compliance Management



Prudent Person Rule

Our numbers are...

77 years in business.
135 agencies.
172 branches.
244 communities.
5234 team members.
710,000 customers.
43.1 billion dollars of assets.
1 purpose. You.


Financial Reports

The following current Financial Reports are available for download:

Latest Annual Report

2015 Annual Report

Latest Quarterly Report

Q2 FY16 Q1 FY16

Previous Annual Reports

2013/2014 2012/2013 2011/2012 2010/2011

Previous Quarterly Reports

Q3 FY15 Q2 FY15 Q1 FY15
Q3 FY14 Q2 FY14 Q1 FY14
Q3 FY13 Q2 FY13 Q1 FY13
Q3 FY12 Q2 FY12 Q1 FY12