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[(aux )-60(IFR)13(S )-60(son)8(t )-59(souv)9(en)10(t )-60(acc)9(ompagn\351es )-60(des )-59(mesur)14(es )-60(financi\350r)13(es )-60(c)9(on)5(f)21(ormes )-59(aux )-60(IFR)13(S )-60(e)6(t )-60(c)9(ompar)13(\351es )-59(a)17(v)10(ec )-59(ces )-59(derni\350r)13(es )-59(a)6(fin )-60(d\222)71(en )]TJ
T*
[(\351)6(t)12(ablir )-215(la )-215(c)9(onc)8(or)13(dance. )-214(P)20(our )-214(cert)13(aines )-215(mesur)14(es )-214(financi\350r)12(es )-213(non )-215(c)8(on)5(f)21(ormes )-214(aux )-214(IFR)13(S, )-214(il )-215(n\222)71(e)15(xis)11(t)10(e )-213(t)10(out)10(e)9(f)21(ois )-215(aucune )-215(mesur)14(e )]TJ
T*
[(dir)13(ect)11(emen)10(t )-13(c)9(ompar)20(able )-13(selon )-14(les )-13(IFR)13(S. )-14(iA )-13(Gr)16(oupe )-13(financier )-14(es)12(t )-13(d\222)73(a)16(vis )-13(que )-13(les )-13(mesur)14(es )-13(non )-14(c)8(on)6(f)20(ormes )-12(aux )-13(IFR)12(S )-13(f)21(ournissen)8(t )-13(des )]TJ
T*
[(r)14(enseignemen)9(ts )55(additionnels )53(pour )54(mieux )55(c)8(ompr)13(endr)14(e )55(ses )56(r)13(\351sult)12(a)9(ts )56(financier)16(s )55(e)6(t )55(e)9(f)10(f)24(ectuer )57(une )55(meilleur)12(e )56(analy)9(se )55(de )56(son )54(pot)10(en)9(tiel )]TJ
T*
[(de )24(cr)17(oissance )23(e)6(t )25(de )24(b\351n\351)9(fice, )25(e)6(t )24(qu\222)70(elles )25(f)19(acilit)9(en)10(t )24(la )24(c)8(ompar)21(aison )23(des )24(r)13(\351sult)12(a)9(ts )25(trimes)11(triels )24(e)6(t )25(annuels )23(de )24(ses )25(activit)10(\351s )25(c)8(our)20(an)9(t)11(es. )]TJ
T*
[(Comme )-59(les )-59(mesur)13(es )-59(non )-60(c)8(on)5(f)21(ormes )-58(aux )-60(IFR)13(S )-60(n\222)72(on)9(t )-59(pas )-60(de )-59(d\351)8(finitions )-62(ou )-60(de )-59(signific)7(a)9(tions )-61(normalis\351es, )-59(il )-60(es)11(t )-59(possible )-61(qu'elles )]TJ
T*
[(dif)9(f)24(\350r)14(en)10(t )26(des )26(mesur)14(es )26(financi\350r)12(es )27(non )25(c)9(on)5(f)20(ormes )27(aux )26(IFR)13(S )25(utilis\351es )25(par )27(d\222)72(autr)14(es )26(soci\351)5(t)11(\351s )26(e)6(t )27(elles )26(ne )26(doiv)9(en)9(t )26(pas )26(\352)6(tr)13(e )27(c)8(onsid\351r)13(\351es )]TJ
T*
[(c)8(omme )33(une )31(alt)10(erna)10(tiv)10(e )32(aux )31(mesur)14(es )32(de )31(perf)22(ormance )32(financi\350r)12(e )32(d\351)6(t)10(ermin\351es )33(c)8(on)5(f)21(orm\351men)10(t )32(aux )31(IFR)13(S. )31(iA )32(Gr)16(oupe )31(financier )31(incit)10(e )]TJ
T*
[(f)21(ort)11(emen)10(t )38(les )38(in)16(v)10(es)12(tisseur)17(s )38(\340 )38(c)9(onsult)9(er )39(l\222)-4(in)9(t)10(\351gr)22(alit)10(\351 )39(de )38(ses )39(\351)6(t)12(a)9(ts )39(financier)16(s )38(e)6(t )38(de )39(ses )38(autr)14(es )38(r)21(apports )38(d\351pos\351s )38(aupr)13(\350s )38(d\222)73(or)14(g)18(anismes )]TJ
T*
[(publics, )-2(e)6(t \340 ne pas )-1(se )1(fier \340 une )-1(mesur)14(e financi\350r)12(e )1(unique, )-1(quelle )-1(qu\222)70(elle soit.)]TJ
/TT0 9.5 Tf
313.8 0 Td
( )Tj
EMC
/P <>BDC
/TT0 10 Tf
-313.8 -23.4 Td
[(Les )110(mesur)14(es )110(financi\350r)12(es )110(non )109(c)9(on)5(f)21(ormes )110(aux )110(IFR)12(S )110(publi\351es )109(par )109(iA )110(Soci\351)5(t)11(\351 )110(financi\350r)12(e )111(incluen)8(t, )110(sans )109(t)10(out)10(e)10(f)20(ois )109(s\222)22(y )110(limit)10(er\240: )111(le )110(r)13(endemen)10(t )]TJ
T*
[(des c)9(apit)11(aux pr)16(opr)13(es aux actionnair)12(es or)14(dinair)12(es, )1(le b\351n\351)9(fice par action or)13(dinair)12(e )1(\(BP)74(A\) tir)13(\351 )1(des activit)10(\351s )1(de base, )1(le r)14(endemen)9(t )]TJ
T*
[(des )47(c)9(apit)11(aux )47(pr)16(opr)13(es )47(aux )47(actionnair)11(es )48(or)14(dinair)11(es )48(tir)13(\351 )48(des )47(activit)10(\351s )48(de )47(base, )47(les )47(v)11(en)9(t)11(es, )48(les )47(v)10(en)9(t)11(es )47(ne)6(t)14(t)11(es, )48(l\222)73(actif )46(sous )47(g)8(es)12(tion )46(\(ASG\), )]TJ
T*
[(l\222)73(actif )-103(sous )-103(adminis)9(tr)21(a)10(tion\240\(AS)5(A\), )-101(les )-102(\351quiv)14(alen)9(ts )-103(de )-102(primes, )-102(les )-102(d\351p\364ts, )-102(les )-103(mesur)14(es )-102(de )-102(pr)16(o)4(v)10(enance )-102(du )-103(b\351n\351)9(fice )-102(\(le )-102(b\351n\351)8(fice )]TJ
T*
[(an)9(ticip\351 )-112(sur )-111(l\222)71(en)]TJ
EMC
ET
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q
3 0 0 11 115.55 243.3 cm
/Im0 Do
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EMC
BT
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118.55 245.8 Td
[(vigueur)86(, )-110(les )-112(g)19(ains )-112(e)6(t )-111(pert)11(es )-110(sur )-112(les )-111(r)14(\351sult)12(a)9(ts )-111(t)11(echniques, )-112(le )]TJ
/TT2 10 Tf
245.11 0 Td
(drain)Tj
/TT0 10 Tf
21.15 0 Td
[( )-111(li\351 )-112(aux )-111(nouv)9(elles )-111(v)10(en)9(t)11(es, )-110(les )-111(chang)8(emen)9(ts )]TJ
-335.31 -12 Td
[(d\222h)18(ypoth\350ses, )1(les mesur)14(es )1(prises par la dir)13(ection )-1(e)6(t )1(le r)13(e)6(v)10(enu sur le c)9(apit)11(al\), le )1(c)8(apit)11(al, )1(le r)21(a)9(tio de solv)14(abilit)9(\351, )2(les sensibilit)8(\351s )1(aux )]TJ
T*
[(mar)15(ch\351s bour)17(sier)17(s e)5(t aux t)12(aux d'in)8(t)11(\351r)14(\352)5(t, )1(les pr)13(\352)6(ts )-1(\351mis, )1(les sommes \340 r)13(ece)6(v)10(oir )-1(e)6(t le t)12(aux de pert)11(e sur pr)13(\352)6(ts aut)9(os mo)5(y)12(en.)]TJ
/TT1 9.5 Tf
1 0 0 1 534.69 221.8 Tm
( )Tj
EMC
/P <>BDC
/TT0 10 Tf
-485.19 -23.4 Td
[(L)71(\222)74(analy)8(se )15(de )15(r)14(en)9(t)12(abilit)9(\351 )15(selon )14(la )14(pr)16(o)4(v)10(enance )15(du )14(b\351n\351)9(fice )14(pr)13(\351sen)10(t)11(e )15(les )14(sour)15(ces )15(de )14(b\351n\351)9(fices )15(en )14(c)9(on)5(f)21(ormit)10(\351 )15(a)17(v)10(ec )15(la )14(ligne )14(dir)13(ectrice )]TJ
T*
[(\351mise )51(par )50(le )51(Bur)13(eau )50(du )50(surin)8(t)11(endan)9(t )50(des )51(ins)10(titutions )48(financi\350r)12(es )51(e)6(t )51(\351)5(t)13(ablie )49(en )51(c)8(ollabor)19(a)9(tion )49(a)17(v)10(ec )51(l\222Ins)11(titut )50(c)8(anadien )49(des )51(actuair)13(es. )]TJ
T*
[(Ce)6(t)14(t)11(e )-17(analy)9(se )-17(a )-17(pour )-17(but )-18(de )-17(c)9(ompl\351)5(t)10(er )-16(la )-17(divulg)17(a)10(tion )-18(qu\222)70(e)16(xig)8(en)9(t )-17(les )-17(IFR)13(S )-17(e)5(t )-16(de )-17(perme)6(t)14(tr)14(e )-16(aux )-18(in)9(t)10(er)-8(v)10(enan)9(ts )-17(actuels )-17(e)6(t )-17(\340 )-17(v)10(enir )-17(de )]TJ
T*
[(mieux )66(c)8(ompr)13(endr)13(e )67(la )66(situa)8(tion )65(financi\350r)12(e )67(de )66(iA )66(Soci\351)5(t)10(\351 )67(financi\350r)12(e )67(e)5(t )67(de )66(se )66(f)20(air)13(e )66(une )66(opinion )63(plus )65(\351clair)13(\351e )67(sur )66(la )66(qualit)9(\351, )67(la )66(v)9(ola)9(tilit)9(\351 )]TJ
T*
[(pot)10(en)9(tielle )48(e)6(t )48(la )48(p\351r)13(ennit)10(\351 )49(des )48(b\351n\351)9(fices. )47(Elle )48(f)21(ournit )46(une )48(analy)9(se )49(de )48(l\222)71(\351c)8(art )49(en)9(tr)14(e )49(le )48(r)13(e)6(v)10(enu )47(r)14(\351el )49(e)5(t )49(le )48(r)13(e)6(v)10(enu )48(qui )46(aur)21(ait )48(\351)5(t)11(\351 )49(d\351clar)13(\351 )]TJ
T*
[(si )12(t)9(out)11(es )12(les )12(h)18(ypoth\350ses )13(f)19(ait)10(es )13(au )12(d\351but )11(de )13(la )11(p\351riode )12(de )13(d\351clar)20(a)10(tion )11(s\222)71(\351)6(t)12(aien)9(t )12(c)8(oncr)13(\351)6(tis\351es )13(pendan)8(t )12(la )12(p\351riode. )11(Elle )12(pr)13(\351sen)10(t)11(e )12(les )]TJ
T*
[(mesur)14(es )59(suiv)14(an)9(t)10(es\240: )60(le )59(b\351n\351)8(fice )59(an)9(ticip\351 )58(sur )59(l\222)70(en-)9(vigueur )59(\(qui )57(r)14(epr)14(\351sen)9(t)11(e )59(la )58(fr)21(action )58(du )58(r)13(e)6(v)10(enu )58(ne)6(t )58(c)9(onsolid\351 )57(d\351c)8(oulan)8(t )58(des )59(polices )]TJ
T*
[(en )-62(vigueur )-62(au )-63(d\351but )-63(de )-62(la )-63(p\351riode )-63(de )-62(d\351clar)20(a)10(tion )-64(qui )-64(de)5(v)15(ait )-62(\352)5(tr)14(e )-62(r)14(\351alis\351e )-62(en )-63(f)21(onction )-64(de )-62(la )-63(c)8(oncr)13(\351)6(tisa)9(tion )-64(des )-62(h)18(ypoth\350ses )-62(de )]TJ
T*
[(meilleur)13(e )-112(es)12(tima)9(tion\); )-114(les )-112(g)19(ains )-113(e)6(t )-112(pert)11(es )-112(sur )-112(les )-113(r)14(\351sult)12(a)9(ts )-112(t)11(echniques )-114(\(qui )-113(r)13(epr)14(\351sen)9(t)11(en)10(t )-113(les )-112(g)19(ains )-113(e)6(t )-112(pert)11(es )-112(a)9(t)14(tribuables )-113(\340 )-112(la )]TJ
T*
[(dif)9(f)24(\351r)14(ence )59(en)10(tr)13(e )59(les )59(r)13(\351sult)12(a)9(ts )58(r)14(\351els )59(au )58(c)8(our)17(s )58(de )59(la )58(p\351riode )58(de )58(d\351clar)21(a)9(tion )57(e)6(t )58(les )59(h)18(ypoth\350ses )58(de )59(meilleur)12(e )59(es)12(tima)9(tion )57(f)19(ait)11(es )58(en )59(d\351but )]TJ
T*
[(de )-21(ce)6(t)14(t)11(e )-20(m\352me )-20(p\351riode\); )-21(le )]TJ
/TT2 10 Tf
113.57 0 Td
(drain)Tj
/TT0 10 Tf
1 0 0 1 184.21 78.4 Tm
[( )-21(li\351 )-22(aux )-21(nouv)9(elles )-21(v)10(en)9(t)11(es )-20(\(qui )-23(r)14(epr)14(\351sen)9(t)11(e )-20(l\222)70(e)10(f)9(f)25(e)6(t )-21(au )-21(poin)7(t )-20(de )-21(v)10(en)9(t)11(e )-20(sur )-21(le )-21(r)13(e)6(v)10(enu )-21(ne)5(t )-21(d\351c)9(oulan)7(t )]TJ
-134.71 -12 Td
[(de )49(la )48(souscrip)4(tion )47(de )49(nouv)9(elles )49(polices )48(au )48(c)9(our)16(s )49(de )49(la )49(p\351riode\); )48(les )49(chang)8(emen)10(ts )49(d\222h)18(ypoth\350ses, )50(les )48(mesur)14(es )49(prises )49(par )49(la )48(dir)13(ection )]TJ
T*
[(e)6(t le r)13(e)6(v)10(enu )-1(sur le c)8(apit)12(al )-1(\(qui )-1(r)13(epr)14(\351sen)9(t)11(e )1(le )-1(r)14(e)5(v)10(enu ne)5(t g)19(agn\351 \340 l\222)71(\351g)19(ar)15(d )-1(de l\222)71(e)15(x)23(c\351den)9(t de iA Soci\351)5(t)10(\351 )1(financi\350r)12(e\).)]TJ
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