Advisor – Securities

Desjardins makes applying for loans a lot easier. * By The Digital Banker Requesting loans and credit lines at Desjardins is now easier than ever and can be done from the comfort of one's home, at any time, with just a few clicks. The Canadian financial services group has enhanced its omnichannel experience with a new loan origination platform, enabling members to easily apply for and manage financing in self-service mode, creating a seamless financing experience across its channels. Desjardins Group is the largest cooperative financial group in Canada and the eighth largest in the world, with assets of $524.3 billion as at March 31, 2026. According to Desjardins, members can initiate and complete an online financing request on their own. If they need assistance at any point, they can immediately connect with an employee for personalised support through the channel of their choice, and that person can continue processing the application without interruption. Furthermore, enhancements such as reduced form completion time, as well as Desjardins's new omnichannel financing platform, which makes credit simpler and faster, have directly contributed to an improved overall customer experience while reinforcing trust and cooperative values. To add to that, a major improvement has been the integration of insurance directly into the loan process, ensuring it is systematically offered as part of the customer journey. Since the transformation, the platform has seen exceptional adoption rates, with approximately 85% of loan and line of credit applications now completed online. This represents a significant improvement compared to pre-transformation levels, when digital capabilities were more limited, particularly for lines of credit. The transformation aimed to improve the experience for both members and employees, simplify the borrowing journey across channels, and modernise the caisse's technology platform. Previously, loan and credit line applications relied on multiple disconnected systems, with online applications being limited to loans, and processing times often fell short of member expectations. Looking ahead, Desjardins indicated that additional enhancements are expected to be launched in the coming months. For instance, members will soon benefit from an online counteroffer when their initial request is not approved, without having to take any action or interact with a Desjardins employee. Desjardins also intends to bring about the same kind of transformation for mortgage financing. Desjardins was recognised at The Digital CX Awards 2026 for Best Technology Implementation for Digital CX - Canada as well as Excellence in Omni-Channel Customer Experience - Canada.

Desjardins named Best House, Capital Protection Americas for the fourth consecutive year. Sep 24, 2026, 08:16 ET MONTRÉAL, le 24 sept. 2026 /CNW/ - Desjardins has received the coveted Best House, Capital Protection award at the SRP Americas 2026 Awards Ceremony for the fourth year running-consolidating its presence as a leader in the capital-protected structured products industry. These annual awards are presented by UK-based industry intelligence organization Structured Retail Products (SRP). This award recognizes the financial institution that stood out most in the Americas for the quality of its capital-protected structured product offering. Desjardins received the award for its market-linked guaranteed investments (MLGIs) and Desjardins Structured Notes, specifically based on its sales volumes and client satisfaction. Desjardins was also named Best Capital Protected Distributor, Americas for the fourth year in a row, highlighting its excellent sales levels as well as the performance of its principal-protected structured products that matured during the reporting period. "These awards are a testament to the trust our members and clients place in us, as well as our teams' commitment to offering innovative, high-performance investment solutions," said Frédérick Tremblay, President and Chief Executive Officer of Desjardins Investments Inc. "This recognition makes it clear that our approach is effective and that we are able to support our investors in a constantly changing environment." Further recognition at the SRP Americas 2026 Awards Ceremony In addition to winning Best House, Capital Protection Americas, Desjardins also took home the following awards: * Best House, Canada - Principal Protected This award highlights Desjardins's leadership in the Canadian market, both in terms of sales and client satisfaction for its principal-protected structured products. * Deal of the Year This distinction was awarded to the MarketLever Guaranteed Investment, a solution that provides exposure to companies in different regions and business sectors while protecting the invested capital. It offers a higher return potential than the underlying basket of securities, increasing the likelihood of maximizing the investor's return at maturity. Additional recognition for Desjardins's innovative product line Desjardins was also honoured at the SPi Canada 2026 Awards for Excellence on September 17, winning the award for Best Principal Protected Issuer. This award recognizes the Canadian issuer that stood out most over the past year in the principal-protected structured products market. About Desjardins Group Desjardins Group is the largest cooperative financial group in Canada and the eighth largest in the world, with assets of $543.5 billion as at June 30, 2026. Desjardins has been named one of the top employers in Canada by both Forbes magazine and Mediacorp. It offers a full range of products and services through its extensive distribution network, its online platforms, and its subsidiaries across Canada. In addition to being ranked among the world's strongest banks according to The Banker magazine, Desjardins has one of the highest capital ratios and one of the highest credit ratings in the industry. About Structured Retail Products Ltd. (SRP): Structured Retail Products Ltd. (SRP) is a UK-based research company that specializes in research and data on the global structured products industry. For the past 20 years, SRP has tracked the development of structured products across more than 50 countries and maintains one of the sector's most comprehensive databases. The SRP Americas Awards recognize excellence among manufacturers, distributors and service providers on the structured product market. About Structured Products Intelligence (SPi): Structured Products Intelligence (SPi), a division of the WSD Group, is a company based in London, England, that provides market intelligence, reference data and lifecycle information for the structured product industry. The SP Intelligence Structured Products Conference awards prizes to Canadian financial institutions that offer structured products. Desjardins(R), trademarks containing the word Desjardins, as well as related logos are trademarks of the Fédération des caisses Desjardins du Québec, used under licence. SOURCE Desjardins Group

EMERGE Commerce has refinanced its $5.85 million debt with Desjardins Ontario Credit Union, securing a seven-year term through September 2033 with a 3.70% interest rate reduction. The new facility lowers the interest rate from 11.00% to 7.30%, reducing it from Prime Rate plus 6.55% to Prime Rate plus 2.85%. The Toronto-based e-commerce company expects approximately $400,000 in cash flow savings during the first year from lower interest costs and reduced refinancing expenses. EMERGE plans to use most of these savings to reduce debt whilst maintaining flexibility for growth and acquisitions. The refinancing also includes a $1 million revolving line of credit for working capital, guaranteed by Export Development Canada. The company operates profitable e-commerce brands across direct-to-consumer and business-to-business segments, including truLOCAL meat subscription service and golf-related businesses.