Td Banks Plan

In: Computers and Technology

Submitted By reannaclosen
Words 396
Pages 2
TD Bank Financial Group: From worst to first
Once viewed as a laggard on environmental risk assessment, TD Bank now occupies a lead position, tied with Royal Bank of Canada. With the
June 2007 release of its Environmental Management Framework, TD is helping to set the bar in Canada on what banks can and should be doing to mitigate climate risk.
The Environmental Framework now includes a statement on climate risk, and addresses carbon intensive industries including oil and gas, coal, electricity generation, and metals production. Significantly, TD has called for governments to implement a carbon tax to provide incentives for greenhouse gas emissions reductions.
To begin the process of climate risk mitigation, TD is committed to a carbon audit and an assessment of climate risks faced by their clients. The
Environmental Framework indicates that their climate change policy will extend beyond lending to underwriting and equities research.
TD’s framework also addresses risks associated with loss of biodiversity, which extends to financing, underwriting, and advisory services. TD is engaging clients to increase the Bank’s understanding of the risks involved in conducting operations in high conservation value forests. For clients involved in logging operations, TD is asking for third party sustainable forest management certification. TD categorically states it will not finance operations that significantly degrade critical natural habitats.

High conservation value forests
The protection of high conservation value forests is particularly important. High value forests can come in a variety of forms:
• forests that contain significant concentrations of biodiversity;
• large scale forest landscapes where viable populations of most if not all naturally occurring species exist in a natural pattern of distribution and abundance;
• forests that contain rare,…...

Similar Documents

Bank of America

...Bank of America research paper Kim Adams Wilmington University Bank of America's history dates back to 1904, when Amadeo Giannini founded the Bank of Italy in San Francisco to cater to immigrants who were denied service from other banks. Shortly following the opening of Bank of Italy the San Francisco earthquake struck, causing most banks to halt all lending practices. Giannini managed to rescue funds to start lending within a few days of the disaster to those who was willing to rebuild. Bank of America was formed when Giannini consolidated his Bank of Italy with Bank of America. As of 2010, Bank of America is the 5th largest company in the United States by total revenue, as well as the second largest non-oil company in the U.S. (after Walmart). In 2010, Forbes listed Bank of America as the 3rd biggest company in the world. (CNN Money) As one can imagine, all industries from mom and pop stores to multi million corporations have felt the wrath of the economic downturn. To make the statement that any bank is performing desirably would be a slight exaggeration. Prior to the recession, banks (including Bank of America) were content with relaxed lending guidelines, contracting out any brokers, and questionable appraisers. The above noted coupled with American’s constant desire for more, set the United States up for a perfect storm. The share price, like the US banking market in general, has dipped significantly from its relatively recent highs. The last......

Words: 2595 - Pages: 11

Td Canada Trust Research and Informational Interview

...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...

Words: 1989 - Pages: 8

Tds Teorija Detekcije Signala

...internu upotrebu (Psihologijski praktikum 1) Citiranje: Ivanec, D. (2007). Teorija detekcije signala. Skripta. Neobjavljeni rukopis, Odsjek za psihologiju, FF u Zagrebu. Činjenica da kriterij ispitanika u psihofizičkim mjerenjima (njegova blagost, strogost i sl.) može imati relativno veliki utjecaj na dobivene rezultate iz kojih zaključujemo o nečijoj osjetljivosti, dovela je do pokušaja razvijanja postupaka i metoda koje bi takve utjecaje otklonile barem na neki način držale pod kontrolom. Jedan od takvih metodoloških pristupa je Teorija detekcije signala (TDS), koju su iz područja tehnologije i inženjerstva u psihofiziku uveli Green & Swets (1966). TDS se temelji na statističkoj teoriji donošenja odluka koja je imala svoju primjenu u inženjerstvu, gdje se javljao problem što točnijeg razdvajanja signala i šuma. Temeljna pretpostavka upotrebe TDS-a u psihofizici, tj. pri ispitivanju osjetljivosti osjetnih sustava, zasniva se na nekim zajedničkim osobinama tehnoloških sustava i perceptivnih procesa kod ljudi u situacijama opažanja. Problem s kojim se susreće opažač u situaciji slabog podražaja (signala) slična je situaciji kod fizikalnih komunikacijskih sistema. Opažač detektira signal u odnosu na uvijek prisutnu podlogu – tj. šum. Takva situacija otežava proces detekcije pa opažač ponekad i sam efekt šuma proglašava signalom. Činjenica jest, koja proizlazi iz mjerenja u klasičnoj psihofizici - da pri mjerenju apsolutnog limena......

Words: 7080 - Pages: 29

Td Bank

...Td Bank is a national banking institution in the United States that offers banking insurance, brokerage, and investment banking services along the east coast in 15 different states. Td bank is amongst the countries top 10 banks. The bank took its name through a merger with commerce bank and Banknorth. The company operates under Toronto Dominion Bank in Ontario Canada. Banknorth also added a sister company, Td Ameritrade formed under TD Waterhouse. One of the main things I like about Td Bank is its convenience to its costumers. Working for Td Bank, they take pride in their high customer service ratings. The have employees attend TDU a university to train employees how to do their job and also please the customer. The main reason I started banking at Td Bank was when they started no Atm fee campaign, I stayed with TD bank after I opened a free student checking and savings account. Also, they are open 7 days a week with the best hours a bank has to offer. “We will be the Best Run, Customer-focused, Integrated Financial Institution with a Unique and Inclusive Employee Culture.” The mission statement above is strongly exhibited through Td Bank. Td Bank is my choice for personal banking. What makes Td Bank different from most banking businesses, is that they have learned how to come out on top. As stated by Levitt in Marketing Myopia, think outside the box. People who focus on marketing strategy, various predictive techniques, and the customer's lifetime value can rise......

Words: 584 - Pages: 3

Bank Communications Plan

...Objective The target audience of this communication plan is bank employees and customers. This includes employees ranking from highest level of management down to the low ranked employees These “low ranked “ employees are very important because they are often the first contact that customers have with the bank. Good communications among all stakeholders is key for the success of a project. It’s important to ensure your project team develops a communication plan so that lack of communication does not derail your goals. Use this project communications planning template to identify the stakeholders and audience you need to communicate with, the method of the communication, the frequency and the individuals responsible for executing the plan Duration 1st Quarter: Starts at beginning of the fiscal year begin conducting surveys to assess current conditions and opinions of the customer. Begin training employees on communication plan. 2nd Quarter: continued training and begin monitoring and evaluating employess for effectiveness of changes and new procedures 3rd Quarter: Reassess 4th Quarter: Re interview customers and compare findings from previous year. Provide a formal report to employees for them to review growth Contents Employees * Conduct a research –communication audit. Evaluate current communications * Find out what every staff person is doing in the way of communication, what each communication activity is designed to achieve * Analyze what is......

Words: 970 - Pages: 4

Management and Leadership in Td Bank Group

...MANAGEMENT AND LEADERSHIP IN TD BANK GROUP Management and Leadership in TD Bank Group Julia Kuznetsova MADS 6600 Instructor: Dr. Zarbi May 21st, 2013 Management and Leadership in TD Bank Group Introduction The purpose of this paper is to exemplify how organizational managers and leaders create and maintain a healthy organizational culture and recommend two strategies that organizational managers and leaders can use to improve this culture. As an example I selected a Canadian multinational corporation – The Toronto-Dominion Bank. The Toronto-Dominion Bank is a Canadian multinational banking and financial services corporation headquartered in Toronto. It is the second-largest bank in Canada by market capitalization and based on assets, and is the sixth largest bank branch network in North America. Commonly known as TD and operating as TD Bank Group, the bank was created in 1955 through the merger of the Bank of Toronto and the Dominion Bank, which were founded in 1855 and 1869, respectively. The bank and its subsidiaries have over 79,000 employees and over 19 million clients worldwide. (http://www.td.com/about-tdbfg/corporate-information/corporate-profile/profile.jsp) The company is ranked at number 86 on the Forbes Global 2000 2010 listing. In February 2011 it was named one of Canada's top 10 employers by the Financial Post. (http://www.tdbank.com/aboutus/about_us.html) Organizational structure overview TD Bank group has a......

Words: 1545 - Pages: 7

Bank of Melbourne

...Bei Niu ID: Shuyi Zheng ID: Executive Summary The purpose of this report is to analyze BMO Financial group, in terms of its history, merger and acquisition, products and services, current strengths which include financial performance, the impact of financial crisis with its actions, and lastly, its future expectation. Most information we obtained from the company annual report, the company announcements, news from the internet, and Bank Scope website. Thus, the data we used are credible and accurate. Bank of Montreal was found in 1817 in Canada. The bank has established a significant domestic market in the North American by organic growth and series of mergers and acquisitions. The BMO’s strategy focuses on serving retail market as well as small-business and wholesale targets. BMO’s credit rating among Canadian banks is not the best, and S&P has a relatively negative view on the current firm’s position. The financial performances in most dimensions are not the best among peers even in the financial crisis. Base on various ratios, BMO had good financial performances during the past five years and the performances even better from 2008. This increase was impacted from the acquisition of Griffin, Kubik, Stephens & Thompson Inc. BMO Financial Group didn’t receive many impacts from the Global Financial Crisis in 2008, and its performance just dropped......

Words: 6413 - Pages: 26

Operational Plan Td Bank

...Analysis TD Bank As a current employee of TD Bank, having to conduct a Strengths, Weaknesses, Opportunities, and Threats (SWOT) analysis on a company I am a stakeholder, I have a knew perspective on how strategic and operational planning has effect on me. As a part of management understanding the strategic vision of the company will enable management to effectively carry out the operational mission thus ensure all internal and external shareholders whether unique customer service, communicating across the social media with customers and employees, produces What’s In IT For Me (WIIFM) experience which means revenue. TD Bank strengths rely upon their ability to WOW their customer base with being Americas Most Convenient Bank, providing a unique branding within the banking community. Proven business models they have ignored. The only bank that stays open until 8 pm, provides doggie stations equipped with water and snacks for customers animals, and is open most holidays. In the state of South Carolina in which I live and work, The South Carolina TD Bank Campus is the only bank owned property and is the jewel of the TD Canada and TD US. The company has brought the largest amount on professional banking jobs in largely manufacturing state. Community involvement the bank has it. There is a TD Convention Center which hosts most major indoor invents in the state. However, there are always vulnerabilities. Weaknesses exist in every facet of the banking industry; however, TD......

Words: 650 - Pages: 3

英国Marketing Thesis: Situation Analysis and Market Plan for a Uk Bank

...定化,很多欧洲人士也移居到此国。在此种形势下,一些人更想成为独家经营者和合伙企业开始创业。对于银行来说是机遇,所以我们银行业可以从此情势下通过开立网上银行获取利益,因为技术介入银行业会为银行减少花费,展开竞争,帮助处于困难时期的企业。 英国市场分析—UK market analysis 来自2010年8月问卷调查统计后的国家官方数据表明约30,100,000位成年人,即将近总人数的60%每天都在使用网络。从未使用过网络的人数在日益的减少,每年大约增加9,000,000—10,000,000名网民。上一年在网上购物,享受网上服务的人数约3,000,000人。此数据表示在总人口中约占62%的年满16岁的人,大部分选择在网上购买运动设施和衣服。 In UK I am working in a Harvest bank and I have to prepare a business plan for a bank in the situation when there was global recession in the country and now banking industry is coming out of recession. There are a lot of opportunities in the current market because new businesses are growing, new migrants are coming in the country specially students, many Europeans are also coming because of the recovery toward stability in the country. In this situation many sole proprietors and partnerships are taking place many people want to start business. There is an opportunity for banks so our bank can take benefits from this situation by launching an online bank because of the intervention of technology in banks which are reducing the costs, giving competition and tough time to every business so a banks. 英国市场分析—UK market analysis In a report from Office of National Statistic in opinion survey in August 2010 it was stated that about 30.1 million of adults uses the internet every day which is approximately 60% of the total population. The number of persons who never used the internet is decreasing day by day in every year about 9-10 million user adds in......

Words: 2094 - Pages: 9

Td Bank Analysis Project

...Bank Analysis Course Project: TD Bank and Royal Bank of Canada Management of Financial Institutions MAY11 Sec A Professor: Paul Tovbin June 19, 2011 Dalila Springer 973-223-1204 Introduction to Banks: TD Bank, (“TD”), is known as America's Most Convenient Bank. It is one of the 15 largest banks in the U.S., with approximately 23,000 employees and deep roots in the community dating back more than 150 years. The Bank offers a broad array of retail, small business and commercial banking products and services to more than 6.5 million customers through its extensive network of more than 1,000 retail locations throughout the Northeast, Mid-Atlantic, Florida and Metro D.C. TD Bank Financial Group (TDBFG) is a Canada based bank. The bank through its subsidiaries provides retail and commercial banking, wealth management, and wholesale banking products and services in North America and internationally. The bank is a retailer of financial services in metropolitan New York, Metropolitan Philadelphia, metropolitan D.C., Southeastern Florida, New Jersey and Connecticut. TDBFG offers its financial products and services to around 18 million customers through its four businesses namely, Canadian Personal and Business Banking, Wealth Management, Wholesale Banking and the US Personal and Commercial Banking. TDBFG is headquartered in Ontario, Canada. Royal Bank of Canada, (“RBC”), and its subsidiaries operate under the master brand name RBC. It is Canada’s largest bank as measured...

Words: 2358 - Pages: 10

Td Canada Trust Customer Relationship Management

...TD Canada Trust:   Managing Customer Relationships                 November  18,  2014     ADMS  4255     Prof.  Marius  Dobre                                                 Burhanuddin  Ameen     Gaggan  Sahota     Nihal  Ahmed     Alvina  Ali     Siqi  Sun     TABLE  OF  CONTENTS   EXECUTIVE SUMMARY ..............................................................................1 PROJECT OBJECTIVE ...............................................................................1 SITUATION ANALYSIS ...............................................................................1 FRAMEWORK .............................................................................................2 FINDINGS ....................................................................................................3 Exemplars ................................................................................................................... 3 Identify ...................................................................................................................... 3 Differentiate ............................................................................................................... 4 Interaction ..............................

Words: 4378 - Pages: 18

Critical Analysis of Marketing Plan of Barclays Bank

...GROUP-8 Questions 1. Acquire a marketing plan of a company in the financial, telecom or airline industries. 2. Summarize the outline they have used. 3. Critically examine the outline and content of the plan. HUTCHFUL LEWIS, 01134095 ADJEI PEPRAH MAVUS, 01134012D OFORI IRENE, 01134157D YUSIF RASHIDA, 01134289D APPIAH MENSAH JUNIOR, 01134401D ADAMU HAMDIYA, 01134251D AGYARE KWABENA MALVIN, 01134021D Barclays Bank marketing plan outline 1. Executive summary 2. Company description 3. Situational analysis 4. Marketing objectives 5. Marketing strategies 6. Marketing mix 7. Monitoring and control 8. Budget 9. Appendix Critical examination of the outline and its content executive summary The marketing plan of Barclays Bank focuses on introducing new innovative strategies to expand market share of Barclays Bank. The executive summary places emphasis on the 1. Objectives to achieve 2. Marketing strategies needed to achieve the objectives Company description This hinges on the fact that A. Barclays Bank is one of the leading operations in the UK financial sector with exposure to Europe, north America, middle east etc. B. Barclays was established in 1690 by John feame and Thomas Gould C. Barclays is embroiled with a number of controversial subjects such as aggressive investment trading and tax avoidance schemes. Situation analysis Barclays Bank focuses on the industry analysis. This......

Words: 770 - Pages: 4

Td Bank

...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......

Words: 3327 - Pages: 14

Set Up Tds Unit

...How to Setup Your Streaming Device Open both packages. Check the inventory of the package. This is what should be included in your package: (1) TDS unit (1) Remote Control (AAA Batteries Are Included) (1) Wireless Keyboard With Touch Screen Mouse (AA Batteries Are Included) (1) 16 GB Flash Drive (1) HDMI (1) Power Cord Plug the both the antenna receiver and flash drive into the back of your TDS unit in the USB port. You may use either USB port for the antenna receiver and flash drive. Plug the one end of the HDMI cord into the TV and the other end into the TDS Unit HDMI port. Plug the power cord in the back of the TDS Unit. Plug the power cord into an outlet. Wait for your device to load. When it is finished, you will see “App” icons with a waterfall in the background. At the bottom row of the screen, you will see a Settings Mbox icon. Click on the Mbox Settings Icon. Connecting Device to the Internet In the Network section you will see a Wifi and Ethernet option. For Wifi connection select your network and type in your pass-code. For Ethernet connection, plug in the Ethernet cord to your Router and into your TDS Unit RJ45 port. Then select Connect. Once you are connected you will receive a notification saying you are connected. Display (Recommended on) Hide status bar (Recommended off) Display Position allows you to size your screen to align the program with the view of your choosing. Advanced section......

Words: 517 - Pages: 3

Bank Communications Plan

...Target groups 5. Strategy of communication 6. Communication plan (description of communication activities) 7. Cost approximation 1. INTRODUCTION / STARTING POINTS Alpha bank is a Greek bank, which is present in many countries, not only in Greece and Macedonia. It is a successful international financial institution, which is present in Cyprus, Romania, Bulgaria, Serbia, Ukraine, Albania, United States and in Macedonia. In spite of its international presence and tradition, the bank (through its’ acquired predecessor) has been present on the Macedonian market since 1993, it has problems with its perception and recognition, which eventually leads to a smaller market share / number of clients. Since Greece and Macedonia have unresolved dispute about the name of the state Macedonia, the bank has decided to communicate mostly tradition and trust (»Credibility, reliability and efficiency in banking services. Loyalty, commitment and vision”.) and not the origin of the financial group. In the past and current year most of the investment effort has been placed in completing the branch network, which has not yet been properly communicated. Subsequently the problem of (un)experience of the branch employees arises. Only recently the corporate communications department – The PR Department has been set-up, which means corporate communication has not been planned, up until the present, in accordance with the Banks’ needs and goals and also with the demands of the......

Words: 2135 - Pages: 9