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2021 Annual Report
2021 Annual Report Built to help Albertans— then, now, and always There has never been a more powerful demonstration of the strength and resiliency of Albertans than what we witnessed over the past year. In the face of an ongoing global health crisis and the resulting economic impacts, the people of this province found ways to stay connected—offering each other support, encouragement, and hope when it was needed most. ATB is grateful to have played a part in helping Albertans navigate their way through the uncertainty and challenges of 2020. We focused first on the health and safety of our team members and our clients while building solutions to address the most urgent needs of our clients and our communities. Since then, we’ve continued to uplift Albertans, their businesses, and their communities whenever and wherever we can. Our commitment to Albertans is at the centre of everything we do. It’s why we’ve encouraged people to imagine what’s possible and why we’ve nurtured the entrepreneurial spirit of Albertans. It’s why we’ve supported local, seeded ingenuity, and spurred innovation both before and during the pandemic. And it’s what we’ll continue to do to keep Albertans moving toward the better days ahead. We know those days will come—and we’ll be here to help Albertans embrace the possibilities that come with them. Table of Contents Built to help Albertans—then, now, and always 01 Message from President and CEO Curtis Stange 03 Message from Board Chair Joan Hertz 05 Our Strategic Leadership Team 07 Business Highlights 08 Our Corporate Social Responsibility 09 Economy 11 Workplace 18 Diversity, Inclusion, and Belonging 22 Social Impact and Community Initiatives 28 Environment 34 2020–21 Financial Highlights 38 Message from Chief Financial Officer Dan Hugo 41 Stakeholder Engagement 43 About This Report 46 GRI Index 48 Locations 49 Management’s Discussion and Analysis and Financial Statements 50 Message from President and CEO Curtis Stange The act of reflection is powerful. -
The Toronto-Dominion Bank U.S. Resolution Plan Section I: Public Section December 31, 2018
The Toronto-Dominion Bank U.S. Resolution Plan Section I: Public Section December 31, 2018 THIS PAGE LEFT WAS LEFT BLANK INTENTIONALLY The Toronto-Dominion Bank – U.S. Resolution Plan Public Section Table of Contents Table of Contents I. SUMMARY of RESOLUTION PLAN ______________________________________________ 4 A. Resolution Plan Requirements ______________________________________________________ 4 B. Name and Description of Material Entities ____________________________________________ 6 C. Name and Description of Core Business Lines __________________________________________ 8 D. Summary Financial Information – Assets, Liabilities, Capital and Major Funding Sources _______ 9 E. Description of Derivative and Hedging Activities _______________________________________ 12 F. Memberships in Material Payment, Settlement and Clearing Systems _____________________ 13 G. Description of Foreign Operations __________________________________________________ 14 H. Material Supervisory Authorities ___________________________________________________ 15 I. Principal Officers ________________________________________________________________ 17 J. Resolution Planning Corporate Governance Structure & Process __________________________ 19 K. Description of Material Management Information Systems ______________________________ 20 L. High Level Description of Resolution Strategy _________________________________________ 21 Page | 3 The Toronto-Dominion Bank – U.S. Resolution Plan Public Section I. Summary of Resolution Plan A. Resolution Plan Requirements -
RBC Royal Bank Mortgage O Earn $1 RBC Rewards Point for Every Dollar O up to 120‐Day Interest Rate Guarantee
Over $2,400 in total value and savings! TABIA Business and Personal Banking Program March 15, 2013 Program Overview RBC Royal Bank® is pleased to provide TABIA members with a special banking program for your business and personal needs. With over 1,300 branches, 4,000 ATMs, 24/7 Telephone Banking, Mobile Banking apps, and award‐winning Online Banking, it’s ® easy to access your money and speak with an RBC Advisor anywhere in Canada. The products and services listed on the following pages are offered by RBC Royal Bank. We would also be pleased to refer ® you to our partners in RBC Wealth Management for more complex banking needs. Business Banking Program Receive a $100 credit when you open any of the following RBC Royal Bank business accounts $6 Small Business RBC Business Essentials Fixed Fee Plans Account* Plan 1 Plan 2 Plan 3 Plan 4 Designed for Low or flexible Low to medium Medium Medium to high High transaction transaction transaction transaction transaction volumes volumes volumes volumes volumes Monthly fee $6.00 $20.00 $35.00 $50.00 $75.00 Debits included Up to 8 transactions Up to 20 Up to 35 Up to 50 Up to 75 included. Additional transactions are pay‐ Credits included as‐you‐go. Volume and Up to 15 Up to 35 Up to 50 Up to 75 channel discounts available. Items deposited $0.20 each Up to 20 Up to 40 Up to 60 Up to 85 included Cash deposited From $2.00 per Up to $2,500 Up to $3,500 Up to $6,500 Up to $10,000 included $1,000 Balance fee n/a n/a n/a Yes Yes waiver~ ~ Fee waiver is applied only to minimum monthly fee when daily minimum balance is maintained for the entire month. -
Customer Loyalty in Retail Banking
CUSTOMER LOYALTY IN RETAIL BANKING Global edition 2012 This work is based on secondary market research, analysis of financial information available or provided to Bain & Company and a range of interviews with industry participants. Bain & Company has not independently verified any such information provided or available to Bain and makes no representation or warranty, express or implied, that such information is accurate or complete. Projected market and financial information, analyses and conclusions contained herein are based on the information described above and on Bain & Company’s judgment, and should not be construed as definitive forecasts or guarantees of future performance or results. The information and analysis herein does not constitute advice of any kind, is not intended to be used for investment purposes, and neither Bain & Company nor any of its subsidiaries or their respective officers, directors, shareholders, employees or agents accept any responsibility or liability with respect to the use of or reliance on any information or analysis contained in this document. This work is copyright Bain & Company and may not be published, transmitted, broadcast, copied, reproduced or reprinted in whole or in part without the explicit written permission of Bain & Company. Copyright © 2012 Bain & Company, Inc. All rights reserved. Customer Loyalty in Retail Banking | Bain & Company, Inc. Contents Key takeaways . pg. iii 1. Overview: Finally, mobile banking goes mainstream . pg. 1 2. Digital interactions in depth: The who, what, where and “wow” . pg. 5 3. Winning the elusive hearts and minds of affl uent customers . pg. 10 4. The future is here and its name is “omnichannel” . pg. -
Global Settlement, As Set out in This Plan and the Settlement Agreement;
Court File No. 1301-04364 IN THE MATTER OF THE COMPANIES’ CREDITORS ARRANGEMENT ACT, R.S.C. 1985, c. C-36, AS AMENDED AND IN THE MATTER OF POSEIDON CONCEPTS CORP., POSEIDON CONCEPTS LTD., POSEIDON CONCEPTS LIMITED PARTNERSHIP AND POSEIDON CONCEPTS INC. APPLICANT AMENDED PLAN OF COMPROMISE AND ARRANGEMENT pursuant to the Companies’ Creditors Arrangement Act concerning, affecting and involving POSEIDON CONCEPTS CORP., POSEIDON CONCEPTS LTD., POSEIDON CONCEPTS LIMITED PARTNERSHIP AND POSEIDON CONCEPTS INC. April 6, 2018 TABLE OF CONTENTS TABLE OF CONTENTS................................................................................................................................1 ARTICLE 1 INTERPRETATION ...................................................................................................................2 1.1 Defined Terms ....................................................................................................................2 1.2 Certain Rules of Interpretation..........................................................................................15 ARTICLE 2 PURPOSE AND EFFECT OF THE PLAN...............................................................................16 2.1 Purpose ............................................................................................................................16 ARTICLE 3 CLASSIFICATION, VOTING AND RELATED MATTERS.......................................................17 3.1 Class of creditors ..............................................................................................................17 -
Live Canadian Bank and Supplier Connections NAME TYPE
Live Canadian Bank and Supplier Connections NAME TYPE ENHANCED Alterna Savings Banks and Credit Cards Amazon.ca Rewards Visa from Chase Banks and Credit Cards American Express (Canada) Banks and Credit Cards YES American Express Merchant Services (EUR) Banks and Credit Cards Assiniboine Credit Union Banks and Credit Cards ATB Financial (Business) Banks and Credit Cards YES ATB Financial (Personal) Banks and Credit Cards BMO Debit Card Banks and Credit Cards YES BMO Nesbitt Burns Banks and Credit Cards BMO Online Banking for Business Banks and Credit Cards Canadian Tire Options MasterCard Banks and Credit Cards Canadian Western Bank Banks and Credit Cards YES Capital One Mastercard (Canada) Banks and Credit Cards CHASE Bank Canada Banks and Credit Cards CIBC Banks and Credit Cards YES CIBC Wood Gundy Banks and Credit Cards Coast Capital Savings Banks and Credit Cards YES Costco Capital One Credit Card Banks and Credit Cards CUETS: Choice Rewards Mastercard Banks and Credit Cards Desjardins Business Banks and Credit Cards Desjardins VISA Banks and Credit Cards Envision Financial Banks and Credit Cards First National Financial Banks and Credit Cards Ford Credit (Canada) Banks and Credit Cards HBC Credit Card Banks and Credit Cards Home Depot Consumer Credit Card (Canada) Banks and Credit Cards Home Depot Revolving Commercial Charge Card (Canada) Banks and Credit Cards HSBC Bank Canada Banks and Credit Cards HSBC MasterCard Banks and Credit Cards Interior Savings Credit Union Banks and Credit Cards Island Savings Banks and Credit Cards MBNA -
Pacific & Western Bank of Canada
PACIFIC & WESTERN BANK OF CANADA Notice of Annual and Special Meeting of Shareholders and Management Proxy Circular Wednesday, April 27, 2016 London, Ontario PACIFIC & WESTERN BANK OF CANADA NOTICE OF ANNUAL AND SPECIAL MEETING OF SHAREHOLDERS APRIL 27, 2016 TAKE NOTICE that the Annual and Special Meeting of Shareholders (the “Meeting”) of PACIFIC & WESTERN BANK OF CANADA (the “Bank”) will be held at the London International Airport, Pacific & Western Bank of Canada’s Innovation Centre of Excellence, 1979 Otter Place, London, Ontario on Wednesday, April 27, 2016, at 11:30 a.m. for the following purposes: 1. to receive the financial statements for the fiscal year ended October 31, 2015 and the report of the auditors thereon; 2. to elect directors for the ensuing year; 3. to appoint auditors for the ensuing year and to authorize the directors of the Bank to fix their remuneration; 4. to consider, and if deemed advisable, to confirm a special resolution approving an amendment to section 4.1 of By-Law No. 1 of the Bank relating to fixing the number of directors of the Bank (the “Number of Directors Resolution”); 5. to consider, and if deemed advisable, to confirm a special resolution approving an amendment to section 9.6 of By-law No. 1 of the Bank relating to director remuneration (the “Director Remuneration Resolution”); 6. to consider and, if deemed advisable, to approve a special resolution to change the Bank’s name from Pacific & Western Bank of Canada to VersaBank (the “Name Change Resolution”); 7. to re-approve the existing Stock Option Incentive Plan of the Bank (the “Stock Option Incentive Plan Resolution”); and 8. -
F. Paul Morrison Class Actions Partner | Toronto Commercial Litigation 416.597.6050 Financial Services [email protected] Securities Litigation
RELATED SERVICES F. Paul Morrison Class Actions Partner | Toronto Commercial Litigation 416.597.6050 Financial Services [email protected] Securities Litigation Biography Paul Morrison is a partner in our litigation group. He has a national reputation as one of Canada’s leading counsel in complex corporate and commercial litigation, including class action litigation, securities litigation, competition litigation, insolvency litigation, professional liability, products liability and domestic and international arbitration. Paul regularly acts on behalf of leading companies and institutions, both foreign and domestic, and has appeared at all levels of trial and appellate court, including the Supreme Court of Canada and before administrative tribunals and arbitration panels. Paul’s career has been characterized by numerous lengthy and complex trials. He has represented some of the world’s most prominent institutions and corporations in litigation involving hundreds of millions of dollars. Examples include the following: represented The Toronto-Dominion Bank in the successful defence of a prosecution before the Competition Tribunal by the Commissioner of Competition; represented Leon’s Furniture Limited and the Brick Limited in litigation commenced by the Commissioner of Competition; represented CGI Information Systems & Management Consultants Inc. in the successful prosecution of litigation relating to the computerization of Ontario’s health records; acted for Hollinger International Inc. in highly publicized litigation against -
Canadian Retail Banking Customer Satisfaction Improves
J.D. Power Reports: Canadian Retail Banking Customer Satisfaction Improves as Customers Increasingly Understand Fees and Services; However, Customers Still Perceive Banks as Profit Driven, Lagging in Innovation and Not Customer Focused TD Canada Trust and ING Direct Canada Each Rank Highest in Customer Satisfaction with Retail Banks in Canada in Their Respective Segments for a Second Consecutive Year TORONTO: 18 July 2013 —Overall customer satisfaction with the Big 51 and Midsize banks in Canada has increased, driven primarily by customers’ increasing understanding regarding fees and services. However, customers perceive banks as being profit driven, lagging in innovation and not customer focused, according to the J.D. Power 2013 Canadian Retail Banking Customer Satisfaction StudySM released today. The study, now in its eighth year, examines customer satisfaction with their primary financial institution in three segments: Big 5 Banks, Midsize Banks and Credit Unions. In all segments, customer satisfaction is measured in seven factors (listed in order of importance): channel activities; account information; facilities; product offerings; fees; financial advisor; and problem resolution. Overall customer satisfaction among retail bank KEY FINDINGS customers in Canada increases substantially by 19 points to 772 (on a 1,000-point scale), compared with 753 in Overall customer satisfaction with 2012, as customers increasingly understand their banks’ Canadian retail banks increases by 19 fees and services. Satisfaction in the Big 5 Banks segment points to 772 in 2013. increases to 765 from 748 in 2012. Customer satisfaction Customer satisfaction with banking in the Midsize Banks segment increases to 778 from 759 fees has increased substantially by 35 in 2012. -
Case 1:09-Md-02036-JLK Document 4007 Entered on FLSD Docket 11/10/2014 Page 1 of 39
Case 1:09-md-02036-JLK Document 4007 Entered on FLSD Docket 11/10/2014 Page 1 of 39 UNITED STATES DISTRICT COURT SOUTHERN DISTRICT OF FLORIDA CASE NO. 1:09-MD-02036-JLK IN RE: CHECKING ACCOUNT OVERDRAFT LITIGATION MDL No. 2036 THIS DOCUMENT RELATES TO: Michael Dasher and Stephanie Avery v. RBC Bank (USA), predecessor in interest to PNC Bank, N.A. S.D. Fla. Case No. 1:10-CV-22190-JLK CONSOLIDATED AMENDED CLASS ACTION COMPLAINT Plaintiffs Michael Dasher and Stephanie Avery, through undersigned counsel, on behalf of themselves and all persons similarly situated, allege the following based on personal knowledge as to allegations regarding the Plaintiffs and on information and belief as to other allegations. INTRODUCTION 1. This is a civil action seeking monetary damages, restitution, and declaratory relief from Defendant PNC Bank, N.A., the successor-in-interest to RBC Bank (USA) (“RBC” or the “Bank”), arising from its unfair and unconscionable assessment and collection of excessive overdraft fees. 2. During the pendency of this case, PNC Bank, N.A. merged with RBC. Since the claims herein do not extend to the practices of PNC Bank, for the sake of clarity, Plaintiffs continue to refer to Defendant as RBC. Case 1:09-md-02036-JLK Document 4007 Entered on FLSD Docket 11/10/2014 Page 2 of 39 3. In the era of electronic banking and the ubiquitous use of debit card transactions, the assessment of overdraft fees has become a major profit center for many United States banks, including RBC. For years, banks covered customers who occasionally bounced checks and even did so for a time for customers using debit cards, without charging their customers. -
Rule D4 Institution Numbers and Clearing Agency/Representative Arrangements
RULE D4 INSTITUTION NUMBERS AND CLEARING AGENCY/REPRESENTATIVE ARRANGEMENTS 2021CANADIAN PAYMENTS ASSOCIATION This Rule is copyrighted by the Canadian Payments Association. All rights reserved, including the right of reproduction in whole or in part, without express written permission by the Canadian Payments Association. Payments Canada is the operating brand name of the Canadian Payments Association (CPA). For legal purposes we continue to use “Canadian Payments Association” (or the Association) in these rules and in information related to rules, by-laws, and standards. RULE D4 – INSTITUTION NUMBERS AND CLEARING AGENCY/REPRESENTATIVE ARRANGEMENTS TABLE OF CONTENTS IMPLEMENTED ............................................................................................... 3 AMENDMENTS PRE-NOVEMBER 2003 ........................................................ 3 AMENDMENTS POST-NOVEMBER 2003 ..................................................... 3 INTRODUCTION ................................................................................................................. 6 ELIGIBILITY......................................................................................................................... 6 INSTITUTION NUMBERS ................................................................................................... 6 AMALGAMATION AND ACQUISITION .............................................................................. 6 NON-MEMBER ENTITIES .................................................................................................. -
Royal Bank of Canada Annual Report 2017
Royal Bank of Canada Annual Report 2017 Annual Report - Part IV of IV To view full Annual Report in PDF format, please see the link below: http://www.rns-pdf.londonstockexchange.com/rns/0704Y_-2017-11-30.pdf Caution regarding forward-looking statements From time to time, we make written or oral forward-looking statements within the meaning of certain securities laws, including the "safe harbour" provisions of the United States Private Securities Litigation Reform Act of 1995 and any applicable Canadian securities legislation. We may make forward-looking statements in this 2017 Annual Report, in other filings with Canadian regulators or the SEC, in other reports to shareholders and in other communications. Forward-looking statements in this document include, but are not limited to, statements relating to our financial performance objectives, vision and strategic goals, the Economic, market, and regulatory review and outlook for Canadian, U.S., European and global economies, the regulatory environment in which we operate, the Strategic priorities and Outlook sections for each of our business segments, and the risk environment including our liquidity and funding risk, and includes our President and Chief Executive Officer's statements. The forward-looking information contained in this document is presented for the purpose of assisting the holders of our securities and financial analysts in understanding our financial position and results of operations as at and for the periods ended on the dates presented, as well as our financial performance objectives, vision and strategic goals, and may not be appropriate for other purposes. Forward-looking statements are typically identified by words such as "believe", "expect", "foresee", "forecast", "anticipate", "intend", "estimate", "goal", "plan" and "project" and similar expressions of future or conditional verbs such as "will", "may", "should", "could" or "would".