Deposit costs will ease, but it will take time for banks' margins to improve
Approval by OSFI, minister of finance still to come
Bank has strongest tier 1 capital among its peers, low problem-loan exposure
Higher loan-loss reserves drag on Q3 net income, despite revenue gains
Growth in fee-based revenues and net interest income drove improved results in wealth management
Deal volume up, value soared driven by more "mega" deals
Asset quality, capital expected to remain strong
DBRS estimates $27 billion in capital needed to keep ratios at current levels
The move continues consolidation in the Canadian banking industry
Easing financial pressures are expected to slow decline in credit quality, boost loan demand