...TD CANADA TRUST TD Canada Trust TD Canada Trust provides a full range of financial products and services to personal and small business customers. As a leading customer services provider, TD Canada Trust offers anywhere, anytime banking solutions through telephone and internet banking, more than 2,600 ABMs and a network of approximately 1,100 branches across Canada. Vision Statement: TD Canada trust visions “To Be the Better Bank” Company Values: At TD Canada Trust, the values are: Honesty To build honest relationships through open communications with all people interacting with the business – from the customers, co-workers, partners and shareholder. Integrity To deliver excellence by acting with integrity when conducting business and by taking pride in and responsibility for the TD’s work and decisions. Respect To work with each other, and create an atmosphere of mutual respect. Company Size: TD Canada Trust provides a full range of financial products and services through its retail branch network, telephone, Internet banking, and ‘TD Green Machine’ automated banking machines. TD Bank Group Headquartered in Toronto, Canada, with more than 85,000 employees in offices around the world, The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Group (TD). TD offers a full range of financial products and services to approximately 20.5 million customers worldwide...
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...that they mainly rely on the market forces rather than technical achievement. Market driven bank As one of the big five banks in Canada, TD bank terribly concerns the consequences to its clients in the long term from the services it provides. For example, along with the popularization of Internet, TD was aware of the market demand for online banking, and thus developed the first online banking system in Canada so called "Easyweb" in the 80s. The new technique was a light spot at that time, and greatly benefited the bank from attracting a large base of new clients. In the following years, TD bank continued to improve the Easyweb system based on market reaction and provide exceptional banking services to its clients. After 20 years endeavour, TD bank is now ranked the second largest bank in Canada, with the largest customer base. Logistics strategy A company's logistics strategy should be matching to its overall business strategy to take effect. A logistics design strategy, according to Rushton, "is concerned with ensuring that business methods are aligned and organized so that they operate across the traditional company functions and become supply chain oriented" (Rushton et al 2010, p.88). There are four principles should always be considered when developing a logistics strategy, including responsiveness, reliability, resilience and relationships (Christopher...
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...Company History TD bank for more than 150 years, has been providing excellent customer service .They have a model of wowing the customer. This wow Factor has bin embedded in the the Td culture since the beginning the bank.The bank first opened in 1852 as Portland Savings Bank in Portland, Maine. Later on grew through many mergers and became Peoples Heritage Bank in 1983. The opportunity for expanstion came up ,as Peoples Heritage Bank, by going through some acquisitions, there growth grew deeper into New England and took the name Banknorth. In Cherry Hill, New Jersey-based company called Commerce Bank was turning heads and getting a lot of attention. The customers that they had already were turning into fans as America’s Most Convenient Bank. Commerce Bank was Founded in 1973,The founder Vernon Hill was a CEO of a well know food chain called Burger King. Commerce Bank rapidly grew over the next 35 years into Philadelphia. New york ,south florida and Washington DC. Since the CEO was from burger king he brought many of his traditions to Commerce. For example longer house and being customer friendly and giving them what customer want. In this model commerce , began winning new customers with WOW! service and convenience. Bank north, In 2004 began to caputure the attention of many other banks. In doing very well and being one of the top 10 banks in the Unites states. In doing this it grabbed the attention of TD Bank group of Toronto. TD bank group shortly after became a large...
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...largest custodian. CIBC Mellon provides asset servicing solutions, including custody, multicurrency accounting, fund administration, unit holder recordkeeping, pension services and securities lending services, for institutions and corporations. They have over 1,000 people supporting more than 1,200 clients. As of June 30, 2013, CIBC Mellon held more than CAD$1.2 trillion of assets under administration. CIBC Mellon is headquartered in Toronto, with offices across Canada. 2. Corporate structure: CIBC Mellon seems to have an SBU form of the multidivisional structure for implementing a related linked strategy. 3. Vision: “To be the best asset servicing provider in Canada.” Mission: (based on the values) “To meet, and whenever possible, exceed the expectations of our clients.”...
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...LABOR MARKET RESEARCH REPORT Instructor | Nattalie Tessier | Course Title | MBA 579 – Internship Preparation | Student Name | Oluwagbemileke B. Oduroye | 568649909 | Section Number | S13 N71 | Due Date | 22th July, 2013 | I have read the Student Academic Code of Conduct and this Assignment complies with the Code MBA Program Faculty of Management Introduction Creative production, quantitative analysis, coaching and mentoring, managing people and teams, and application of technology are 5 core elements of work in business and other organizations that interest me; although, creative production and quantitative analysis are significantly stronger interests for me. I enjoy bringing something entirely original into existence, this might be inform of a product, marketing plan, unique service delivery and especially entrepreneurial work. An opportunity to be creative in any aspect of my work as a manger, executive or an individual contributor in a team is very important part of my work satisfaction. Although highly creative work can be found is almost any industry, and a major part of entrepreneurial work. Still, I prefer to work in an industry in which creativity is an integral part of the definition of the core product or service e.g. advertising and entertainment although entrepreneurship is the best match for me to express this interest. I also enjoy using mathematical analysis to solve problems. Although, this might seem divergent to the above stated interest...
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...are a brokerage and investing company. E TRADE provides tools that help individuals achieve their long-term investing goals by cutting out the middle man and helping people save on fees they would otherwise pay to a brokerage house. However, if you want a person to invest your money on your behalf or advise you on investment options, those services are also provided. They have 30 branches to support their customer base. Vision, Mission, and People Strategies E TRADE has a great mission statement. According to Mortgage Information (2013), their mission statement is: “To create long term shareholder value through superior financial performance driven by the delivery of a diversified range of innovative, customer-focused financial products and services supported by an operating culture based on the highest customer service. E TRADE has a vision statement. According to E TRADE, the vision statement is, “Success for our customers means success for us.” The company realizes that if they empower the customer, the customer will embrace them for a long-term relationship. E TRADE manages over $66 billion dollars. Stock is currently trading at $17.00 per share according to NASDAQ (E TRADE, 2013). E TRADE Environmental Scan External Environmental Factors E TRADE is an online business that relies on reliable redundant computer applications and backup systems. Frustrating servers have impacted the business of the company and Ameritrade and Schwab. Greensten and Vasarhelyi...
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...ADM3360A [THE FINE PRINT: THE HIDDEN AGREEMENT] [For Professor Gilles LeVasseur] Table of contents 1. Executive Summary ……………...……………………………………………… 3 2. Introduction ……...……………………………………………………………… 4 3. Clause-by-Clause Analysis ……………………………………………………… 8 4. Discussion ……………………………………………………………………….. 18 5. Recommendation ………………………………………………………………… 21 6. Legal Corrective Measures ………………………………………………………. 23 7. Conclusion ……………………………………………………………….............. 24 8. Appendices ………………………………………………………………………. 25 9. Works Cited ……………………………………………………………………….. 31 10. Contract…………………………………………………………………………… 32 2 1. Executive summary This paper will study a contract, common in business law; but more specifically, this report will analyze a credit card agreement from CIBC Visa. In studying this contract, it will show what a contract is and the legal framework that it implies. In studying the clauses of this contract, one will familiarize oneself with the legal terms and jargon that all contracts consist of. In explaining these clauses, one might be able to divide them into twelve main principles that a contracting agreement should consist of. This paper will then analyze the clauses and any potential flaws or problems, and later suggest changes that should be applied. These can be considerable change, for instance, adding or...
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...| ADM3360A | | | [the fine print: the hidden agreement] | [For Professor Gilles LeVasseur] | Table of contents 1. Executive Summary ……………...……………………………………………… 3 2. Introduction ……...……………………………………………………………… 4 3. Clause-by-Clause Analysis ……………………………………………………… 8 4. Discussion ……………………………………………………………………….. 18 5. Recommendation ………………………………………………………………… 21 6. Legal Corrective Measures ………………………………………………………. 23 7. Conclusion ……………………………………………………………….............. 24 8. Appendices ………………………………………………………………………. 25 9. Works Cited ……………………………………………………………………….. 31 10. Contract…………………………………………………………………………… 32 1. Executive summary This paper will study a contract, common in business law; but more specifically, this report will analyze a credit card agreement from CIBC Visa. In studying this contract, it will show what a contract is and the legal framework that it implies. In studying the clauses of this contract, one will familiarize oneself with the legal terms and jargon that all contracts consist of. In explaining these clauses, one might be able to divide them into twelve main principles that a contracting agreement should consist of. This paper will then analyze the clauses and any potential flaws or problems, and later suggest changes that should be applied. These can be considerable change, for instance, adding or removing clauses or can be simply a small change, such as changing a few words in a clause or fixing a spelling error. This...
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... 3.2 Vision. Mission……………………………………………………………………6 3.3 Competitive Advantage…………………………………………………………..6 3.4 Objectives…………………………………………………………………………7 3.5 Copyrights and Trademark………………………………………………………..9 3.6 Business Structure…………………………………………………………………9 3.7 The strengths of the company…………………………………………………...10 3.8 Insurance………………………………………………………………………...11 3. Management and Human Resources 4.9 Key Positions at Amore Pet Food Company…………………………………….13 4.10 Requirement for Addition Qualifications………………………………………..14 4.11 Future Needs for adding employees………………………………………..……15 4.12 External Sources……………………………………………………………..…..16 4. Market Entry Strategy 4.1 Microenvironment Analysis……………………………………………………..17 4.2 SWOT Analysis……………………………………………………………………..19 4.3 Marketing Strategy………………………………………………………………….20 4.4 Marketing Financial Analysis……………………………………………………….23 5. Financial Overview 5.1 Profit and Loss Statement…………………………………………………………..23 5.2 Cash Flow Statement………………………………………………………………..24 6. Risk Management 7.13 Identification of Risks and Techniques to Mitigate them……………………….24 7.14 Implementation Plan……………………………………………………………..27 Work Cited………………………………………………………………………………………..29 Appendix…………………………………………………………………………………………..31 1. EXECUTIVE SUMMARY...
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...Chapter 2 Business Ethics and Social Responsibility Chapter Outline Introduction Business Ethics and Social Responsibility The Role of Ethics in Business Recognizing Ethical Issues in Business Improving Ethical Behaviour in Business The Nature of Social Responsibility Social Responsibility Issues Objectives After reading this chapter, you will be able to: • Define business ethics and examine its importance. • Detect some of the ethical issues that may arise in business. • Specify how businesses can promote ethical behaviour. • Define social responsibility and explain its relevance to business. • Debate an organization’s social responsibilities to owners, employees, consumers, the environment, and the community. • Evaluate the ethics of a business’s decision. Enter the World of Business The Leopard Did Change His Spots—They Grew The son of a wealthy brewery executive, Conrad Moffat Black was born August 25, 1944, in Montreal. After leaving home at age 18, he earned a history degree at Carleton University, a law degree at Laval, and an MA from McGill. An avid student of history, he has written several books (including an autobiography) about political figures such as Maurice Duplessis, Napoleon, and most recently, Franklin Roosevelt. Mr. Black purchased his first newspaper, the Sherbrooke Record, when he was 25 years old. Two years later, he added about 20 Canadian newspapers to his belt with the acquisition of the Sterling Company chain. Five years later, at age 33...
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...(Barter) Exchange Industry Daniel Evans, Ormita Commerce Network It is well known that trust is the corner-stone of the financial services industry. Keynote speech by Dr Prasarn Trairatvorakul, Governor of the Bank of Thailand, The Asian Banker Summit 2012 “Trust as a Pillar of the Industry”, Bangkok, 26 April 2012. Introduction Trust is a critically important ingredient in the recipe for well-functioning markets and a successful and vibrant economy. Unfortunately, due to market scandals, incompetence and fraud, trust in our neighbours is something that is in shorter supply today than any other time in history. As Alan Greenspan once remarked: "[O]ur market system depends critically on trust—trust in the word of our colleagues and trust in the word of those with whom we do business."1 Despite outward appearances, public confidence in the integrity of the reciprocal trade exchange industry is alarmingly low. While numerous factors have contributed to this problem, one of the most potent is the widespread failure of reciprocal exchange networks of all sizes over the past 30 years. These failures include the spectacular collapses of large commercial exchange networks such as Bartercard (in USA, Canada, India, China, Hong Kong, Singapore, Turkey, South Africa, Jordan 2 3 ), BarterTrust/Tradaq (USA, UK, Canada) 4 , BarterNet/Intagio (Canada, Mexico, USA & Europe) and Bigvine (Australia, Canada, USA)5; through to the dramatic downsizing of the once-wildly successful government supported...
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...AN ANALYSIS OF THE IMPACT OF RISK EXPOSURE TO THE PERFORMANCE OF BANKS IN NIGERIA CERTIFICATION I certify that this research work was carried out by MR ABOYARIN SALAMI TUNDE with Matriculation No.; 109025160 of the Department of Finance, Faculty of Business Administration, University of Lagos, Akoka, Lagos. __________________________ ______________ DR. LEKAN OBADEMI DATE _______________________ ____________ PROF. W. IYIEGBUNIWE DATE HOD DEPARTMENT OF FINANCE _______________________ ____________ EXTERNAL EXAMINER DATE DEDICATION This project work is dedicated to the Glory of ALMIGHTY ALLAH (SWT) to Him I say as always; ALHAMDULILAHI ROBIL ALAMIN!!! Special dedication also goes to the memory of my late father; Alhaji R.S.A Aboyarin. I pray his soul finds forgiveness and mercy before Allah (Amin. ACKNOWLEDGEMENT CHAPTER ONE 1.0: INTRODUCTION AND BACKGROUND TO THE STUDY Banks are germane to economic development through the financial services they provide. Their intermediation role can be said to be a catalyst for economic growth and development. The efficient and effective performance of the banking industry over time is an index of financial stability in any nation. The extent to which a bank extends credit to the public for productive activities accelerates the pace of a nation’s economic growth and its long-term sustainability. Amongst the...
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...infrastructure. This is a good idea, and a typical retrenchment strategy, but I believe there to be better alternatives. Implementing Subway restaurants inside of Best Buy‟s instead of reducing the size of Best Buy stores by 10% may have the same financial underlining but not the same market impact. Subway is a restaurant chain that has (1) Brand Recognition (2) Good Public Image “healthy”, “fresh”, “Inexpensive” (3) Strong Independent Advertising Campaigns (4) Profitability within a Growing Industry. Subway restaurants promote and advertise timely events such as movies, athletic events, months, holidays, etc. to go along with Subway‟s existing promotional deals such as the “$5 Footlong” sandwich deals. Subway creates daily incentives for customers and provides a multitude of product offerings that allow Subway not to get stagnant or predictable to consumers. “Take your pick; eat a sandwich on a budget and lay out $5 for a 12‟inch submarine, or eat a fresh, healthy one to train like Michael Phelps, lose tons of weight like Jared Fogle (Subway spokesman), or eat a green avocado topped sandwich in commemoration of The Green Lantern motion picture. For any reason, or any cause, there is a Subway sandwich for you.” The possible cross-promotional functions of venturing with a strong commercialized corporation will have a large impact on future revenues in the long run. For example, when Subway promotes a movie in theatres, they hope to create an...
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...Theory, 6th Edition Instructor’s Manual Chapter 2 Suggested Solutions to Questions and Problems 1. P.V. Ltd. Income Statement for Year 2 Accretion of discount (10% × 286.36) $28.64 P.V. Ltd. Balance Sheet As at Time 2 Financial Asset Cash $315.00 Shareholders’ Equity Opening balance Net income Capital Asset Present value 0.00 $315.00 $315.00 $286.36 28.64 Note that cash includes interest at 10% on opening cash balance of $150. 2. Suppose that P.V. Ltd. paid a dividend of $10 at the end of year 1 (any portion of year 1 net income would do). Then, its year 2 opening net assets are $276.36, and net income would be: P.V. Ltd. Income Statement For Year 2 Accretion of discount (10% × 276.36) $27.64 Copyright © 2012 Pearson Canada Inc 11 Scott, Financial Accounting Theory, 6th Edition Instructor’s Manual P.V.’s balance sheet at time 2 would be: P.V. Ltd. Balance Sheet As at Time 2 Financial Asset Cash: (140 + 14 + 150) $304.00 Chapter 2 Shareholders’ Equity Opening balance: $276.36 (286.36 - 10.00 dividend) Capital Asset, at Present value 0.00 $304.00 $304.00 Net income 27.64 Thus, at time 2 the shareholders have: Cash from dividend Interest at 10% on cash dividend, for year 2 Value of firm per balance sheet $10.00 1.00 304.00 $315.00 This is the same value as that of the firm at time 2, assuming P.V. Ltd. paid no dividends (see Question 1). Consequently, the firm’s dividend policy does not matter to the shareholders under ideal conditions. It...
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...components manufacturing firm, Micralyne is one of a mere handful that make microelectromechanical systems (MEMS) used by specialized instrument makers.MEMS components are so tiny that hundreds and hundreds fit on a chip the size of your fingertip. These components move when an electrical force is applied, and trigger an automobile's air bag release, for instance, or direct an overseas telephone call, explains says Jaya Gurjar, marketing and communications.A spinoff from a University of Alberta research facility, Micralyne thrives on new ideas and an open door policy."People are definitely appreciated by management," Gurjar says. "Within the company, there's room to grow."The company as a whole is growing, too, both in its physical plant in the Edmonton Research Park, and in the global marketplace where employees are proud to rank fourth or fifth in the world."We have tons of customers coming through the door and we need more people," Gurjar says.Micralyne boosted its revenues by 50 per cent last year and the 175th employee was hired this month.While a rich benefits program includes medical and dental coverage, a percentage of company profits, RRSP donation matching and every third Friday off, it...
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