The Art of Retail 2016
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2021 Salary Projection Survey Summary
2021 Salary Projection Survey Insights on compensation trends expected in 2021 - Summary report 38th edition | September 2020 Table of contents 1 Introduction 2 Compensation consulting 3 Participant profile 6 Survey highlights 8 Historical base salary increase trend 9 Base salary 11 Salary structure 13 Survey participants 22 Notice 22 For more information Introduction The results presented in this report are an analysis of responses collected between July and August 2020 to the 38th edition of Morneau Shepell’s 2021 Salary Projection Survey. The data represents a broad cross-section of industries representing 889 organizations across Canada and provides data on actual salary budget increase percentages for the past and current years, along with projected increases for next year. • The report contains segmented data and a detailed analysis by Morneau Shepell’s compensation consultants. • Survey participation jumped over 75% on a year over year basis from 506 organizations participating in 2019, to 889 in 2020. Many of these organizations also participated in our 2020 Canadian Salary Surveys. • Survey data includes actual 2020 and projected 2021 base salary increases and salary structure adjustments. • Survey data is reported excluding zeros and including zeros (freezes) but does not include temporary rollbacks due to COVID-19. • Findings are summarized for non-unionized employees. • Statistical requirements applied to the data analysis include a minimum of three organizations for average/mean reported results, and a minimum of five organizations -
BANK MERGERS: IS BIGGER BETTER? Introduction
BANK MERGERS: IS BIGGER BETTER? Introduction In January 1998, the Bank of Montreal and the Royal Bank of Canada announced plans to merge and create one superbank. A few months later, in April, the Toronto Dominion Bank and the Canadian Imperial Bank of Commerce announced similar plans. The proposed bank mergers caught many people off guard, including Minister of Finance Paul Martin. In a Macleans interview, Martin said, "Just because they decided to get into bed together doesnt mean that I have to bless their union." Martins message seemed to be that Ottawa, not the banks, would decide the future of banking in Canada. "There will be no mergers in the banking sector until we are convinced that [it] is what is best for Canadians, and we will not be stampeded into making that decision." According to the banks, the proposed mergers were a natural response to a changing and highly competitive global marketplace. Mergers, they said, provide a way of maintaining a strong Canadian presence in the banking industry. Certainly, recent technological advances have dramatically changed the manner in which the financial services industry conduct their business, and the above- mentioned banks feel, therefore, that they need to be bigger to compete and to have a substantial presence in the global banking community. Martin himself acknowledged the changed nature of banking when he said, "If you look back at banking five years ago, you might as well look back two centuries." While the proposed bank mergers brought attention to the challenges facing Canadas banks, these challenges are not peculiar to the banks alone. -
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 .................................................................................................. -
A Study in Comparative Economic History
PRINCETON STUDIES IN INTERNATIONAL FINANCE NO. 36 The Formation of Financial Centers: A Study in Comparative Economic History Charles P. Kindlebergei INTERNATIONAL FINANCE SECTION DEPARTMENT OF ECONOMICS PRINCETON UNIVERSITY • 1974 PRINCETON STUDIES IN INTERNATIONAL FINANCE This is the thirty-sixth number in the series PRINCETON STUDIES IN INTERNATIONAL FINANCE, published from time to time by the Inter- national Finance Section of the Department of Economics at Princeton University. The author, Charles P. Kindleberger, is Ford Professor of Economics at the Massachusetts Institute of Technology. His work in economic history includes The World in Depression, 1929-1939 (1973) and Eco- nomic Growth in France and Britain, 1851-1950 (1964). He is the author of two Essays in International Finance, The Politics of Inter- national Money and World Language (No. 61, 1967) and Balance- of-Payments Deficits and the International Market for Liquidity (No. 46, 1965). This series is intended to be restricted to meritorious research stud- ies in the general field of international financial problems which are too technical, too specialized, or too long to qualify as ESSAYS. The Sec- tion welcomes the submission of manuscripts for this series. While the Section sponsors the studies, the writers are free to de- velop their topics as they will. Their ideas and treatment may.or may not be shared by the editorial committee of the Section or the mem- bers of the Department. PETER B. KENEN Director Princeton University PRINCETON STUDIES IN INTERNATIONAL FINANCE NO. 36 The Formation of Financial Centers: A Study in Comparative Economic History Charles P. Kindleberger INTERNATIONAL FINANCE SECTION DEPARTMENT OF ECONOMICS PRINCETON UNIVERSITY PRINCETON, NEW JERSEY November 1974 Copyright 0 1974, by International Finance Section Department of Economics, Princeton University Library of Congress Cataloging in Publication Data Kindleberger, Charles Poor, 1910- The formation of financial centers. -
2018 CFLA National Conference the Future of Money
CFLACONFERENCE CONGRÈS ACFL2018 September 25 -27 septembre Le Centre Sheraton, Montreal, QC Delegate Roster The future of money L’avenir de l’argent 2018 CFLA National Conference The future of money L'avenir de l'argent Alpha Listing by Company, Name ® La liste d'alpha par l'Entreprise, le Nom Total Number of Registrants : 462 ADD Capital Corp. ADD Capital Corp. Bill Patterson Dave Ralph 500 Cochrane Drive 3370 Southservice Rd. Unit 2 Burlington ON L7N 3M6 Markham ON L3R 8E2 Phone: (905) 631-8001 Phone: (905) 940-2151 Fax: (905) 632-8823 Fax: (905) 940-1434 Email: [email protected] Email: [email protected] ADD Capital Corp. Addison Leasing of Canada Ltd Shelley Saunders Brent Addison 500 Cochrane Drive 2233 Argentia Rd. Unit 2 Suite 303 Markham ON L3R 8E2 Mississauga ON L5N 2X7 Phone: (905) 940-2151 Phone: (905) 821-4739 Fax: (905) 940-1434 Email: [email protected] Email: [email protected] ADESA Canada ADESA Canada Eddy Cusan Scott Piccolo 6755 Mississauga Rd Ste 410 6755 Mississauga Road Mississauga ON L5N 7Y2 Canada Suite 410 Phone: (905) 412-0959 Mississauga ON L5N 7Y2 Fax: (855) 587-7497 Phone: (905) 412-0959 Email: [email protected] Fax: (855) 587-7497 Email: [email protected] Admiralty Leasing Inc. Admiralty Leasing Inc. Greg Boyle Jan MacDonald 791 Goldstream Ave 791 Goldstream Ave Suite 205 Suite 205 Victoria BC V8B 2X5 Canada Victoria BC V8B 2X5 Canada Phone: (250) 478-3471 Phone: (250) 478-3471 Fax: (250) 474-3475 Fax: (250) 474-3475 Email: [email protected] Email: [email protected] Aird & -
The Canadian-American Paper Money Experience
The Canadian-American Paper Money Experience 1782 – Present Parallels in the Systems • United States • Canada – Private Banks from – Private and 1782-1866 provincially-chartered – National Banks from banks from ca. 1792- 1863-1935 1945 – Federal Government – Province of Canada notes from 1861-1971 1867 – Federal Reserve Bank – Dominion of Canada system from 1913 to from 1867-1934 present – Bank of Canada 1935- present. The United States – State Chartered and Private Banks 1782-1866 The United States – National Bank Notes 1863-1935 The United States – Federal Government notes 1861-1971 The United States – Federal Reserve Bank notes 1913 – Present Canada The Early Years 1790s -1866 Agricultural Bank - Toronto • In operation 1834-1837 • First bank in Canada to pay interest on deposits and offer checking accounts • Substantial losses as the partners had “left the country.” Farmer’s Joint Stock Bank-Toronto • In operation from 1834 – ca. 1854 • Had branch in Green Bay, Wisconsin • Wound up in the 1840s only to be reopened by parties who flooded both Canada and the U.S. with notes. La Banque Nationale – Quebec City • In operation from 1860-1925 • Merged, becoming part of Banque Canadienne Nationale (today, the National Bank of Canada) • “Habitant” pictured on left Eastern Townships Bank • In operation 1855 – 1912 • Merged into the Canadian Bank of Commerce in 1912 The Bank of Upper Canada - Toronto • In operation 1821 to 1866 • Failed in 1866 due to imprudent real estate loans • Heavy losses to depositors, stockholders, and noteholders • A scarcer, -
World Ex U.S. Value Portfolio
World Ex U.S. Value Portfolio As of July 31, 2021 (Updated Monthly) Source: State Street Holdings are subject to change. The information below represents the portfolio's holdings (excluding cash and cash equivalents) as of the date indicated, and may not be representative of the current or future investments of the portfolio. The information below should not be relied upon by the reader as research or investment advice regarding any security. This listing of portfolio holdings is for informational purposes only and should not be deemed a recommendation to buy the securities. The holdings information below does not constitute an offer to sell or a solicitation of an offer to buy any security. The holdings information has not been audited. By viewing this listing of portfolio holdings, you are agreeing to not redistribute the information and to not misuse this information to the detriment of portfolio shareholders. Misuse of this information includes, but is not limited to, (i) purchasing or selling any securities listed in the portfolio holdings solely in reliance upon this information; (ii) trading against any of the portfolios or (iii) knowingly engaging in any trading practices that are damaging to Dimensional or one of the portfolios. Investors should consider the portfolio's investment objectives, risks, and charges and expenses, which are contained in the Prospectus. Investors should read it carefully before investing. This fund operates as a fund-of-funds and generally allocates its assets among other mutual funds, but has the ability to invest in securities and derivatives directly. The holdings listed below contain both the investment holdings of the corresponding underlying funds as well as any direct investments of the fund. -
DFA INVESTMENT DIMENSIONS GROUP INC Form NPORT-P Filed 2020-03-31
SECURITIES AND EXCHANGE COMMISSION FORM NPORT-P Filing Date: 2020-03-31 | Period of Report: 2020-01-31 SEC Accession No. 0001752724-20-066929 (HTML Version on secdatabase.com) FILER DFA INVESTMENT DIMENSIONS GROUP INC Mailing Address Business Address 6300 BEE CAVE ROAD 6300 BEE CAVE ROAD CIK:355437| IRS No.: 363129984 | State of Incorp.:MD | Fiscal Year End: 1031 BUILDING ONE BUILDING ONE Type: NPORT-P | Act: 40 | File No.: 811-03258 | Film No.: 20759987 AUSTIN TX 78746 AUSTIN TX 78746 (512) 306-7400 Copyright © 2020 www.secdatabase.com. All Rights Reserved. Please Consider the Environment Before Printing This Document DFA INVESTMENT DIMENSIONS GROUP INC. FORM N-Q REPORT January 31, 2020 (UNAUDITED) Table of Contents DEFINITIONS OF ABBREVIATIONS AND FOOTNOTES Dimensional 2055 Target Date Retirement Income Fund Dimensional 2060 Target Date Retirement Income Fund Dimensional 2065 Target Date Retirement Income Fund Dimensional 2005 Target Date Retirement Income Fund Dimensional 2010 Target Date Retirement Income Fund Dimensional 2015 Target Date Retirement Income Fund Dimensional 2020 Target Date Retirement Income Fund Dimensional 2025 Target Date Retirement Income Fund Dimensional 2030 Target Date Retirement Income Fund Dimensional 2035 Target Date Retirement Income Fund Dimensional 2040 Target Date Retirement Income Fund DFA Short-Duration Real Return Portfolio DFA Municipal Real Return Portfolio DFA Municipal Bond Portfolio World Core Equity Portfolio DFA LTIP Portfolio U.S. Social Core Equity 2 Portfolio U.S. Sustainability Core 1 Portfolio International Sustainability Core 1 Portfolio International Social Core Equity Portfolio Global Social Core Equity Portfolio Emerging Markets Social Core Equity Portfolio Tax-Managed U.S. Marketwide Value Portfolio Tax-Managed U.S. -
Analysis of Canada's Largest Credit Unions
2016 50 Analysis of Canada’s Table of Contents Largest Credit Table of Contents…………………………………………………………………………………………………………………………………1 Introduction…………………………………………………………………………………………………………………………………………2Unions Executive Summary……………………………………………………………………………………………………………………………..4 Economic Growth in Canada Remained Steady……………………………………………………………….…………………..6 Lending Activity – Residential Mortgages………………………………………………………………………..……………… 8 Housing Market in Canada………………… ……………………………………………………………………..……………………10 Lending Activity - Consumer Credit…………………………………………..………………………………..………………..….15 Canadian Credit Union System……………………………………………………………………………………..……..….…….… . 19 Membership…………………………………………………………………………………………………………………………………….19 For the period ending Consolidation of Credit Unions………………………………………………………………………………………………….……..23 Branch Network…………………………………………………………………………………………………………………….………….24December 31, 2016 Assets……………………………………………………………………………………………………………………………………………….25 Deposits and Savingss……………………………………………………………………………………………………………………….27 Loans………………………………………………………………………………………………………………………………………………. .29 Overview of Credit Union System: Canada vs. United States…………………………………………………………… ..30 Credit Unions’ participation in the Brokerage Industry………………………………………………………………………….35 Prepared by: On-Line Deposit Taking Institutions……………………………………………………………………………………..……………....53 Canada's Top 100 Employers…………………………………………………………………………………………………………………58Bob Leshchyshen, MBA, CFA Comparison of Domestic Banks vs Largest Credit Unions in Canada………………………………………………………65 Assets under -
Alberta Securities Commission Page 1 of 2 Reporting Issuer List - Cover Page
Alberta Securities Commission Page 1 of 2 Reporting Issuer List - Cover Page Reporting Issuers Default When a reporting issuer is noted in default, standardized codes (a number and, if applicable a letter, described in the legend below) will be appear in the column 'Nature of Default'. Every effort is made to ensure the accuracy of this list. A reporting issuer that does not appear on this list or that has inappropriately been noted in default should contact the Alberta Securities Commission (ASC) promptly. A reporting issuer’s management or insiders may be subject to a Management Cease Trade Order, but that order will NOT be shown on the list. Legend 1. The reporting issuer has failed to file the following continuous disclosure document prescribed by Alberta securities laws: (a) annual financial statements; (b) an interim financial report; (c) an annual or interim management's discussion and analysis (MD&A) or an annual or interim management report of fund performance (MRFP); (d) an annual information form; (AIF); (e) a certification of annual or interim filings under National Instrument 52-109 Certification of Disclosure in Issuers' Annual and Interim Filings (NI 52-109); (f) proxy materials or a required information circular; (g) an issuer profile supplement on the System for Electronic Disclosure By Insiders (SEDI); (h) a material change report; (i) a written update as required after filing a confidential report of a material change; (j) a business acquisition report; (k) the annual oil and gas disclosure prescribed by National Instrument -
Going National
CHAPTER TWO Going National "Our Progressive Ideas" o A MARITIMER, STEPPING OFF THE TRAIN, MONTREAL IN 1887 WAS A CITY T of expanding wealth and possibilities. It was Canada's largest city: its population, just cresting 200,000 in 1887, dwarfed Halifax's, which had not even reached 40,000. From Montreal's stations, one could board the newly completed Canadian Pacific Railway and be in Vancouver in five days or - as Edson Pease and Tom Kenny would so often do - ride the Grand Trunk to Riviere-du-Loup and there connect with the Intercolonial for all points east. To varying degrees, Ottawa, Toronto, and the emerging cities of the West all seemed caught in Montreal's web. The iron tube of the Victoria Bridge, a marvel of Victorian engineering, had conquered the St. Lawrence and given the city access to its bustling American rivals to the south, Philadelphia, Boston, and New York. In their nineteenth-century passion for anatomical metaphors, economic commentators portrayed the St. Lawrence as the pulsing commercial aorta of Canadian commerce, with Montreal as its throbbing heart. If Halifax was struggling to maintain its frail hinterland, Montreal tapped its hinterland with rela tive ease and profit. Nowhere was the power of Montreal more tangibly displayed than on St. James Street, the bastion of the Anglo-Scottish entrepreneurship that had for over a century propelled the city forward. The narrowness of the street as it ran through the area just to the north of the port accentuated the seeming omnipotence of its looming commercial bUildings. The grandeur and solidity of the Merchants Bank of Canada, Molsons Bank, or the Montreal City and District Savings Bank were clearly evident. -
584. Interviews on the Banking and Currency Systems of Canada
61ST CONGRESS) SENATE j DOCUMENT 2d Session J \ No. 584 NATIONAL MONETARY COMMISSION Interviews on the Banking and Currency Systems of Canada BY A Subcommittee of the National Monetary Commission Washington ; Government Printing Office : 1910 Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis NATIONAL MONETARY COMMISSION. NELSON W. ALDRICH, Rhode Island, Chairman. EDWARD B. VREELAND, New York, Vice-Chairman. JULIUS C. BURROWS, Michigan. JOHN W. WEEKS, Massachusetts. EUGENE HALE, Maine. ROBERT W. BONYNGE, Colorado. PHILANDER C KNOX, Pennsylvania. SYLVESTER C. SMITH, California. THEODORE E. BURTON, Ohio. LEMUEL P. PADGETT, Tennessee. HENRY M. TELLER, Colorado. GEORGE F. BURGESS, Texas. HERNANDO D. MONEY, Mississippi. ARSENE P. PUJO, Louisiana. JOSEPH W. BAILEY, Texas. ARTHUR B. SHELTON, Secretary. A. PIATT ANDREW, Special Assistant to Commission. Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis INTERVIEWS ON THE BANKING AND CUR RENCY SYSTEMS OF CANADA. By a subcommittee of the National Monetary Commission: HON. EDWARD B. VREELAND, Chairman. HON. JOHN W. WEEKS. HON. ROBERT W. BONYNGE. The committee was accompanied by Mr. Clifford Hubbel!, cashier of the Marine National Bank, Buffalo, N. Y. 3 Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis Digitized for FRASER http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis TABLE OF CONTENTS. Page. Interview with Henry C. McLeod, general manager of the Bank of Nova Scotia 9 Interview with George P. Scholfield, general manager of the Standard Bank of Canada 81 Interview with George H. Smith, secretary of the Canada Permanent Mortgage Corporation no Interview with Massey Morris, local manager of the Canadian Bank of Commerce at Toronto 117 Interview with Alexander Laird, general manager of the Canadian Bank of Commerce 123 Interview with Daniel R.