About ATB

Our Business

Knowing you is the essence of ATB Financial's business.

Our numbers are...

More than 80 years in business. 173 branches. 137 agencies. 243 communities. More than 5,000 team members. More than 773,000 customers. More than $55.1 billion in assets. 1 purpose. You.

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

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 mo​ney 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 (PDF)

Derivatives Best Practices (PDF)

Legislative Compliance Mangement (PDF)

Liquidity (PDF)

Mandate and Roles (PDF)

Ministerial Order on Capital Adequacy (PDF)

Outsourcing (PDF)

Prudent Person Approach (PDF)

Annual and Corporate Social Responsibility Reports

Starting in 2019, we combined our annual financial and corporate social responsibility reports into one report. We did this with great intention—to demonstrate our commitment to the greater good as an essential part of who we are. Because we believe purpose and profit don’t just belong together, they are perpetually intertwined.

2020 Annual and Corporate Social Responsibility Report

2019 Annual and Corporate Social Responsibility Report

Financial Reports

2018 Annual Report

2017 Annual Report (PDF)

2016 Annual Report (PDF)

2015 Annual Report (PDF)

Corporate Social Responsibility Reports

2018 CSR Report

2017 CSR Report (PDF)

2016 CSR Report (PDF)

2015 CSR Report (PDF)

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