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ATB 2015 Annual Report

By This Time Next Year

We did a lot of things right this year—increasing team member engagement, customer loyalty, and our profitability. We have close to 36,000 new customers. We are able to offer all our customers innovative new products, we've gained substantial market share in our business and agriculture services, and our investor services group had its best year ever.

But we can do better.

This year we laid the groundwork for an exciting journey to transform banking. It begins with a story that reflects our purpose as an organization and the promise of our brand and that translates clearly into actions that will differentiate ATB. By this time next year, we will be living the ATB Story, being more intentional and consistent in delivering top-notch customer service, every time.

Our Stories

By this time next year, we'll be more intentional and consistent in making banking work for people

Our Story came about after we asked ourselves, “What does ATB do to make customers happy, and how do we become more consistent and intentional in bringing happiness to our customers?” Answering those questions requires listening to the stories of those we serve.

The stories of our partners and customers play an important role in our ability to transform banking. By listening to the people we serve and learning about their challenges, successes, needs, and goals, we can make the changes that will truly make banking work for them.

Performing Loans ($ In Billions)

  • 2015$37.6
  • 2014$33.9
  • 2013$29.6
  • 2012$26.6
  • 2011$25.1
 

Total Deposits ($ In Billions)

  • 2015$30.6
  • 2014$27.3
  • 2013$23.7
  • 2012$22.2
  • 2011$21.0
 

Net Income ($ In Thousands)

  • 2015$328,681
  • 2014$276,409
  • 2013$241,300
  • 2012$195,108
  • 2011$172,905
 

Assets Under Management ($ In Billions)

  • 2015$13.7
  • 2014$11.0
  • 2013$8.6
  • 2012$7.1
  • 2011$6.3
 

Total Revenue ($ In Billions)

  • 2015$1.5
  • 2014$1.4
  • 2013$1.2
  • 2012$1.1
  • 2011$1.0
 

Efficiency Ratio

  • 201566.0%
  • 201470.3%
  • 201370.7%
  • 201275.3%
  • 201171.2%
 

Net Interest Spread

2.90%
2.80%
2.85%
2.85%
2.68%
 

New Customers

12,443
21,465
35,867
 
Measuring Happiness

Why do we measure happiness?

Because we believe, outrageously, that banking can change people's lives for the better. And good things happen when happiness becomes your purpose.

84% Team Member Engagement

84%

Team Member Engagement,

"the emotional commitment an employee has to the organization and its goals" *

no.13 of 50

BEST WORKPLACES IN CANADA

Great Place to Work®

BEST EMPLOYERS IN CANADA

Aon Hewitt

ALBERTA’S TOP EMPLOYERS

MediaCorp

TOP EMPLOYERS FOR YOUNG PEOPLE

MediaCorp

50 Most Engaged Workplaces

One of the

50 MOST ENGAGED WORKPLACES

in North America

Achievers


"Engaged employees actually care about their work and their company. They don't work just for a paycheck, or just for the next promotion, but work on behalf of the organization's goals." *

= #1 CLIENT ADVOCACY SCORE IN ALBERTA'S COMMERCIAL AND CORPORATE MARKET=

35,867 New Customers

35,867

NEW CUSTOMERS

ATB-WIDE CLIENT ADVOCACY SCORE

56
Flag

Registered Investor Services in the United States, and created other U.S. products, including the

U.S. PROPERTY LOAN

BUT WAIT, THERE'S MORE:


WE RECEIVED

a Lipper award for 2014 Best Mixed Asset Fund Group for our Compass Portfolio Series (Reuters)

WE DIFFERENTIATED

ATB through the Agriculture Centre of Expertise

WE INTRODUCED

a start-up package to make it easier for Albertans to start their own business

Rocket

PERMISSION TO LAUNCH

In the past year, ATB has accepted a number of new missions for the greater good of our customers, including:

TRACKIT

an online tool that helps customers securely view their accounts from multiple institutions and analyze their spending patterns

ONE-OFF PAYMENTS

a convenient, cost-effective, and secure way to manage certain corporate and commercial payments

PHASE ONE OF A NEW CLIENT PORTAL

to give Investor Services clients easy access to electronic statements, reduce paper, and save time for team members and clients

GROUP FINANCIAL SERVICES

which has helped 24 client companies offer competitive banking packages to employees

* Kruse, Kevin. Forbes, June 22, 2012, at http://www.forbes.com/sites/kevinkruse/2012/06/22/employee-engagement-what-and-why/.

HAPPY TEAM MEMBERS +
HAPPY CUSTOMERS =
HAPPY NUMBERS
66.0%
EFFICIENCY RATIO
$328.7M
NET INCOME
$43.1B
TOTAL ASSETS
By the numbers

Financial Highlights
2014—15

  • Ken's Story

    Sometimes life doesn't work out the way we thought it would, but it can turn out that an injury can get us to where we really want to be. Watch the story of Brooks resident Ken Sharpe.

    Play Video
  • Barb's Story

    Calgarian Barbara Zaseybida is an entrepreneur who’s been banking with ATB for quite a few years. Learn more about Barb, her new spa and big family, and why she chooses ATB.

    Play Video
  • Merrick's Story

    Great partnerships make some of the very best stories. Merrick Sutter tells you how ATB and the Red Deer Rebels team up each year to score big for central Alberta, and a bit about his own story as well.

    Play Video
  • Karen's Story

    She's travelled the world, watched gorillas in the wild, and has a home-based waxing business. Meet Karen Hartley and discover what she gets out of banking with ATB.

    Play Video
35,867
new customers
66.0%
efficiency ratio
$328.7M
net income
$43.1B
total assets
In Closing

And we'll be well on our way to transforming banking.

Our leadership worked diligently to consider the meaning and impact of every single word that told the real story of ATB Financial—the story of who we must be, what we must do, and who we are really working for.

The Story has just 94 words. It starts with the idea that we can transform banking and ends with our commitment to always be more than a bank. It provides the framework for how we can make banking work for people—in the big and small ways that all add up. It challenges every one of our team members to be open to all possible opportunities for making our customers happy.

The Story puts the customer at the centre of everything we do. It is the tool we'll use to rise to the challenge of creating excellent customer experiences, consistently and intentionally, moment by moment.

From this moment on, we are living The Story.

GlassdooreSSENTIAL Accessibility™Diversity and Inclusion

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