Bare Trustee Agreements Approved Fund Managers As of March 31, 2019
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WAKE up CALL: Navigating New Pathways for Corporate Community Investment in Canada 1 Contents
Navigating New Pathways WAKE for Corporate Community UP CALL: Investment in Canada WAKE UP CALL: Navigating New Pathways for Corporate Community Investment in Canada 1 Contents Acknowledgments 3 Foreword 5 Introduction 6 Social shifts impacting community investment from our research 8 1 The Uneven Pandemic: Profound inequalities exacerbated by COVID-19 9 2 Time for Racial Justice: The role of companies in supporting racial equity 13 3 The Great Cataclysm: Nonprofits during COVID-19 19 4 The Constant Pivot: COVID-19 reaped a fertile ground for nonprofit innovation 22 5 Unrestricted Funding during COVID-19: Building on what’s worked 27 6 Companies Stepped Up: Funding flowed during COVID-19 but could be cut-off 32 7 Engaging Virtual Employees: New challenges, new opportunities 35 8 The CEO as Social Advocate: Increasing expectations on Corporate Canada 40 9 Partnering for Impact: Problems too big to tackle on our own 43 10 COVID-19 and Climate Change: Learning from the pandemic 48 Conclusion 53 Endnotes 56 WAKE UP CALL: Navigating New Pathways for Corporate Community Investment in Canada 2 Acknowledgements We would like to acknowledge the following individuals who were quoted, interviewed, provided feedback, or otherwise had significant influence on this report. The opinions expressed in this report are those of the author, and do not necessarily reflect those quoted, acknowledged, or otherwise supporting the research. Author: Steven Ayer Eugenia Addy, CEO, Visions of Science Project Managers: Devon Hurvid & Émilie Pontbriand Brent Barootes, -
2014 Graduates
Congratulations to The Directors College 2014 Chartered Director* Program Graduates Ann Adair Kim L. Baker Linda S. Beairsto Heather Bell Riz Matthew Blair Brynn Boback-Lane Pierre M. Bocti Roseline Brennan Brian Brown Siemens Canada Ltd. Central Local Health Algonquin Power & NAV CANADA Siemens Canada Ltd. Children’s Hospital Certified General Certified General Canadian Grain Integration Network Utilities Corp. Foundation of Accountants of Ontario Accountants Commission Saskatchewan Edward Carter Barry Cheal Laurel Clark Pierre Côté Nancy Cuelenaere Matthew D. Davies Andrew Day Jacqueline De Gagné Melinda Diebel Certified General Grand River Hospital Jazz Aviation LP Ontario Secondary School Alberta Treasury Board Ciena Canada Inc. Rogers Communications Bayer Inc. Automodular Corporation Accountants of Ontario Teachers’ Federation and Finance Inc. Eldon H. W. Dixon Anna Dopico Doug Elliott Michael Fenn Frank D. Finn Larry Flynn Brian Friedrich David T. Fung Cory Furman Veridian Connections Inc. Corporate Director Corporate Director OMERS Administration McCain Foods Ontario Lottery & Gaming friedrich & friedrich CSA Group Furman IP Law & Strategy Corporation Corporation corporation PC Rose Marie Gage James Harries Ronald Harvey Peter F. J. Heffernan Daniel Johnson Paul G. Keane Jan A. C. Klakurka Martine Leben Jeff M. Leclerc Ag Energy Property and Casualty Certified General Scotiabank Innovation Credit Union CSA Group Huron University College, The Martinique Group Pty University of Manitoba Co-operative Ltd. Insurance Compensation Accountants of Ontario Western University Ltd. (Aus) Corporation (UWO) Carol MacCulloch Gayle MacDonald Diana MacKay Paul Manias Sarah Marriott Scott A. McDonald Dave McPherson Candice J. Molnar George Murphy Independent G-Mac’s AgTeam Inc. The Conference Board OMERS Strategic KWG Resources Inc. -
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 -
Innovation Credit Union 2012 Annual Report
Innovation Credit Union 2012 Annual Report Innovation Credit Union 2012 Annual Report Contents Board and Executive ..............................................1 Co-operative Principles .........................................5 Board President Message .....................................2 Our Company............................................................6 CEO Message ............................................................3 CUDGC Message ......................................................7 Purpose, Desired Future State, and Measuring Performance - Vision Story ...............................................................4 2012 Strategic Intents ............................................8 2012 Innovation Credit Union Board of Directors Gord Lightfoot Ian Twidale Mike Davis Bruce Sack Russ Siemens Jerome Bru Bill Volk Audrey Yee Betty Goddard Darlene Kingwell i Executive Team Daniel Johnson Earl Hanson Sheldon Hess Kent Jesse Tim Sletten Chief Executive Officer Chief Risk Officer Chief Financial Officer Chief Innovation and People Chief Retail Officer Officer Annual Report 2012 • 1 Innovation Credit Union 2012 Annual Report A Message from Your Board President Innovation is all about how we serve our members’ financial needs. As a financial cooperative we stay in touch with our members through the democratic process of board elections. Our board is committed to providing the best financial service to our membership. Planning is an important board function. Our board developed a plan for our credit union that will build -
Organizing for Effectiveness and Growth in Cooperative Financial Services a Focus on the Americas Foreword from the International Summit of Cooperatives
Financial Services ORGANIZING FOR EFFECTIVENESS AND GROWTH IN COOPERATIVE FINANCIAL SERVICES A FOCUS ON THE AMERICAS FOREWORD FROM THE INTERNATIONAL SUMMIT OF COOPERATIVES We would like to thank Oliver Wyman for their focus on cooperative financial services in the Americas. This pioneering report complements three previous Oliver Wyman studies focused on of the European cooperative banking sector, and its publication is timely as international stakeholders seek to understand better the organizational challenges, dynamics, and opportunities this sector represents. In contrast with Europe, where cooperative banking has a significant market share (and in some countries is the majority of the banking industry), cooperatives in the Americas typically account for a smaller proportion of both deposits and loans, and are systemically less important than their shareholder counterparts. Nevertheless, across the Americas, cooperative banks and credit unions have a significant – and, this report argues, growing – role to play given the natural synergy of cooperative values, member service, and community development. We welcome the fact that the study challenges the conventional wisdom of growth and organizational effectiveness in the sector and seeks to identify practices that will enhance the relevance and sustainability of the cooperative model. Ultimately, we believe these will help to ensure broad access to the financial system by all. SUZANNE GENDRON STÉPHANE BERTRAND Managing Vice President Executive Director Cooperation and Corporate Affairs International Summit of Cooperatives Desjardins ACKNOWLEDGEMENTS Oliver Wyman acknowledges the industry executives and other stakeholders who contributed their perspectives and served as a sounding board in helping formulate our hypotheses throughout this project. Their willingness to share their views is a testament to the collaborative nature of the cooperative movement. -
Banking Needs for Leaders January 17, 2019 Presented by Chris Sicotte
Banking Needs for Leaders January 17, 2019 Presented by Chris Sicotte Financial Services Professional with over 26 years of experience Experience in both consumer & commercial banking Board Member of AFOA Saskatchewan & Former Board Chair of AFOA Canada Also member of the following Boards & Committees: Greater Saskatoon Chamber of Commerce (1st Vice Chair) City of Saskatoon Cultural Diversity & Race Relations Committee (Chair) Saskatchewan First Nations Family & Community Institute Inc. Provincial Métis Housing Corporation AIDS Saskatoon Kitotaminawak Parent/Community Council – Oskayak High School What makes the financial institutions different? Banks Governed under the Bank Act Personal deposits insured by Canada Deposit Insurance Corporation up to $100,000 Generally speaking commercial deposits are not covered under CDIC insurance For profit corporations, little or no Indigenous representation on Boards. Trust Companies Governed under Provincial legislation Generally operate the same as Banks (i.e CDIC insurance) Some restrictions on lending practices Also for profit corporations Credit Unions in Saskatchewan Operate under the Credit Union Act Provincially regulated All deposits are 100% insured by Credit Union Deposit Guarantee (“CUDG”) Financial co-operatives, founded on Co-operative values Recent changes have allowed Credit Unions to be Federally regulated. Main change = move to CDIC insurance vs. CUDG Main Services Regardless of whether it’s a Bank, Trust Company, or Credit Union all 3 offer the same core -
A Guide to Canada Emergency Business Account (CEBA)
A Guide to Canada Emergency Business Account (CEBA) Overview: Originally launched on April 9, 2020, CEBA is intended to support businesses by providing financing for their expenses that cannot be avoided or deferred as they take steps to safely navigate a period of shutdown, thereby helping to position businesses for successful relaunch when the economy reopens. This $55 billion program provides interest-free loans of up to $40,000 to small businesses and not-for-profits. Repaying the balance of the loan on or before December 31, 2022 will result in loan forgiveness of 25 percent (up to $10,000). As of June 26, 2020, businesses eligible for CEBA now include owner-operated small businesses that do not have a payroll, sole proprietors receiving business income directly, as well as family-owned corporations remunerating in the form of dividends rather than payroll. This means that more small businesses can access it. Applicants with $20,000 or less in payroll in 2019 will have to demonstrate having Eligible Non-Deferrable Expenses between Cdn.$40,000 and Cdn.$1,500,000 in 2020. Expenses are considered “Eligible Non-Deferrable Expenses” if they were already incurred in January and/or February 2020, or are due to a legal or contractual obligation as at March 1 and cannot be avoided or deferred beyond 2020 even during a period of shut down and depressed revenues as a result of COVID. CEBA is not intended to provide income support, or support for variable operating expenses to businesses. CEBA applicants agree that the government may conduct audits to confirm the nature of the expenses applicants use to establish their eligibility for CEBA, and acknowledge that inaccuracies may lead to legal consequences. -
Analysis of Canada's Largest Credit Unions
2012 Analysis of Canada’s Largest Credit Unions For the period ending December 31, 2012 Prepared by: Bob Leshchyshen, MBA, CFA October 2013 Analysis of Canada’s Largest Credit Unions in Canada Table of Contents Table of Contents…………………………………………………………………………………………………………………………………1 Introduction…………………………………………………………………………………………………………………………………………2 Executive Summary……………………………………………………………………………………………………………………………..4 Continued Strong Economic Growth in Canada…………………………………………………………………………………..6 Lending Activity – Residential Mortgages……………………………………………………………………………………… 8 Housing Market in Canada………………… …………………………………………………………………………………………11 Lending Activity - Consumer Credit…………………………………………..………………………………………………..….17 Canadian Credit Union System……………………………………………………………………………………..…………….… 21 Membership………………………………………………………………………………………………………………………………….25 Consolidation of Credit Unions……………………………………………………………………………………………………..26 Branch Network…………………………………………………………………………………………………………………………….26 Assets…………………………………………………………………………………………………………………………………………….27 Deposits and Savingss…………………………………………………………………………………………………………………….29 Loans……………………………………………………………………………………………………………………………………………..31 Overview of Credit Union System: Canada vs. United States……………………………………………………………..32 Credit Unions’ participation in the Brokerage Industry……………………………………………………………………….38 On-Line Deposit Taking Institutions…………………………………………………………………………………………………….51 Proposed Federal Credit Union Legislation………………………………………………………………………………………….56 Assets under Management………………………………………………………………………………………………………………….59 -
List of Financial Institutions Offering Locked-In Pension Products Issued: June 30, 2020
Superintendent’s List of Financial Institutions Offering Locked-In Pension Products Issued: June 30, 2020 This list is to be used for the purposes of sections 104-120, 105, 122-139, 141 and 162 of the Alberta Employment Pension Plans Regulation (154/2014, Consolidated up to 224/2014). The financial institutions that appear on this list, as indicated in bold typeface, have been acknowledged by the Superintendent to accept locked-in funds into the types of contracts indicated. The companies listed in regular typeface have been authorized by the financial institutions to accept locked-in funds on their behalf, and payments may be made directly to those listed agents. There may be institutions that have applied to appear on this list but whose application was still being processed at the time this list was updated. Please contact our office to verify the status of any financial institution with respect to this list. Questions may be directed to: Alberta Treasury Board and Finance Superintendent of Pensions #402, 9515 – 107 Street Edmonton, AB T5K 2C3 Phone: 780-427-8322 Email: [email protected] Website: http://pensions.alberta.ca SUPERINTENDENT’S LIST OF FINANCIAL INSTITUTIONS OFFERING LOCKED-IN PENSION PRODUCTS Classification: Protected A BANKS LIRA LIF Canadian Western Bank 21-Dec-15 CIBC (Canadian Imperial Bank of Commerce) 1-Feb-07 23-Oct-07 Concentra Bank 20-Sep-06 20-Sep-06 Home Bank 6-Feb-18 HSBC Bank Canada 14-Sep-07 National Bank of Canada 11-Dec-07 Tangerine Bank 13-Nov-07 20-Jun-12 CREDIT UNIONS LIRA LIF BlueShore Financial -
JOHNSON-THESIS.Pdf
The Role of Governance in Balancing Conflicting Institutional Logics in a Canadian Credit Union A Thesis Submitted to the College of Graduate Studies and Research In Partial Fulfillment of the Requirements for the Degree of Master of Public Policy in the Johnson-Shoyama Graduate School of Public Policy University of Saskatchewan Saskatoon By Kathleen J. Johnson Copyright Kathleen Joanne Johnson, December, 2015. All rights reserved. PERMISSION TO USE In presenting this thesis in partial fulfillment of the requirements for a Master’s degree from the University of Saskatchewan, I agree that the Libraries of this University may make it freely available for inspection. I further agree that permission for copying of this thesis in any manner, in whole or in part, for scholarly purposes may be granted by the professor or professors who supervised my thesis work or, in their absence, by the Head of the Department in which my thesis work was done. It is understood that any copying or publication or use of this thesis or parts thereof for financial gain shall not be allowed without my written permission. It is also understood that due recognition shall be given to me and to the University of Saskatchewan in any scholarly use which may be made of any material in my thesis. DISCLAIMER Reference in this thesis to any specific commercial products, process, or service by trade name, trademark, manufacturer, or otherwise, does not constitute or imply its endorsement, recommendation, or favoring by the University of Saskatchewan. The views and opinions of the author expressed herein do not state or reflect those of the University of Saskatchewan, and shall not be used for advertising or product endorsement purposes. -
Second Report of the Interim Receiver – November 14, 2019.Pdf
COURT FILE NUMBER Q.B. No. 61 of 2018 COURT COURT OF QUEEN’S BENCH OF SASKATCHEWAN JUDICIAL CENTRE SWIFT CURRENT PLAINTIFF/APPLICANTS INNOVATION CREDIT UNION DEFENDANTS/RESPONDENTS SWIFT HOTELS GROUP LTD., BRIAN OSTRANDER, OSTRANDER FAMILY HOLDINGS LTD., PHILIP KRAUN, PRIMEWEST MORTGAGE INVESTMENT CORPORATION, SWIFT MOTEL LTD., and BRUNSDON LAWREK & ASSOCIATES DOCUMENT SECOND REPORT OF DELOITTE RESTRUCTURING INC., IN ITS CAPACITY AS COURT APPOINTED INTERIM RECEIVER OF SWIFT HOTELS GROUP LTD. November 14, 2019 ADDRESS FOR SERVICE AND INTERIM RECEIVER CONTACT INFORMATION OF Deloitte Restructuring Inc. PARTY FILING THIS Suite 2300, 360 Main Street DOCUMENT Winnipeg, MB R3C 3Z3 Brent Warga Telephone: (204) 942-0051 Fax: (204) 947-2689 E-mail: [email protected] COUNSEL TO THE INTERIM RECEIVER MLT Aikins LLP 1500 Saskatoon Square 410 – 22 Street East Saskatoon, SK S7K 5T6 Jeff Lee, Q.C. Telephone: (306) 975-7136 Fax: (306) 975-7145 E-mail: [email protected] TABLE OF CONTENTS INTRODUCTION .............................................................................................................. 1 TERMS OF REFERENCE ................................................................................................. 2 ACTIVITIES OF THE INTERIM RECEIVER SINCE THE FIRST REPORT ................ 3 BANK ACCOUNT REVIEW ............................................................................................ 4 TD INVESTMENT ACCOUNTS ...................................................................................... 8 OPERATIONS ................................................................................................................... -
Responsible Banking
Responsible Banking 2019 ANNUAL REPORT Contents Board President Message .................................................................................................................................................................................2 2019 Board Members ..........................................................................................................................................................................................3 CEO Message ...........................................................................................................................................................................................................4 2019 Executive Team ...........................................................................................................................................................................................5 Product and Service Enhancements .........................................................................................................................................................6 Acknowledgements and Accomplishments .......................................................................................................................................7 Community Donations ......................................................................................................................................................................................8 Our Company ..........................................................................................................................................................................................................9