National Bank of Canada Q3 2021 Earnings Call Transcript

The following is excerpted from the question-and-answer section of the transcript.

Question: Sohrab Movahedi - BMO Capital Markets Equity Research - Analyst : Just wanted to ask an overall bank question here. If I look at the last 10 or so years' top line growth, I think you're on track to have the best top line growth, revenue growth of the last decade or so. And -- so I'm curious if you're in a position right now to talk about what sort of top line growth expectations you have for next year, granted this year is not over yet? And what would be the top 3 drivers of that growth next year?

Question: Sohrab Movahedi - BMO Capital Markets Equity Research - Analyst : Can Laurent answer that question?

Question: Gabriel Dechaine - National Bank Financial, Inc., Research Division - Analyst : I'll echo the positive vibes with Louis and enjoy your retirement and whatever is next in your phase -- in the next phase of your life. So on to the questions, Credigy, the assets there are kind of flat for the past few quarters. Just wondering if there's any insight on reassessing what assets you could be targeting for origination? I know the business has been nimble in the past based on market conditions. And right now, pricing is not optimal for distressed asset pricing, but if there may be some other initiatives that work that could drive some growth there? And then the other question would be directed to the Canadian bank, we're seeing about a 51% mix ratio there, pretty phenomenal improvement over the past year. Wondering if there's a target of getting below 50% over time and what your thoughts are on that?