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              [html]<thead><tr><tdrowspan="2">Years ended December 31</td><tdcolspan="2">( In millions of dollars, except percentages and ratios )</td></tr><tr><td>2013</td><td>2012</td></tr></thead><tbody><tr><tdcolspan="3">Return on assets</td></tr><tr><td>Net income</td><td>$ 1.669</td><td>$ 1.693</td></tr><tr><td>Divided by : total assets as at December 31</td><td>23.601</td><td>19.618</td></tr><tr><td>Return on assets</td><td>7.1 %</td><td>8.6 %</td></tr></tbody>
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