Team 4 : Chi Consulting
Economic Context:

The presentation will be to the Bank of Canada, Office of the Superintendent of Financial Institutions (OSFI): Julie Dickson, Superintendent.

A) Economic trends and conditions - Tuan
1. Labour Force -Employment decreased by 29,000 in April, and the unemployment rate was unchanged at 6.9% as the number of people participating in the labour market edged down. There has been little overall employment growth in Canada since August 2013.

2. Personal Spending / Consumer Price Index
3. Inflation / Purchasing Power
4. Growth Domestic Products / Imports & Exports
5. Market Outlooks 1. Domestic 2. Worldwide/International B) Government intervention - Loraine
1. Monetary Policy / Money Supply
2. Financial System - CIBC is a federally regulated financial institutions
- regulated under Bank Act
3. Currency
4. Funds Management C) Competitor - Ying
1. TD Bank
2. Bank of Montreal
3. RBC
4. Scotia Bank
5. National Bank of Canada D) Technology - Robyn 1. Mobile / Online Banking 2. Drive Thru

E) Threats of legislation - Ron 1. Credit Card Fraud 2. Overtime Unpaid 3. Stealing client information and proaching employees from the bank’s brokerage arm

F) Energy - Ron / Ecology - Hou 1. Price
- most important is the government environment is important, banking system is important russia not stable enough reason not stable right now should politicals be part of ecology

Ecology - Hou
Ecological economics
Ecological economics is both a transdisciplinary and interdisciplinary field of academic research that aims to address the interdependence and coevolution of human economies and natural ecosystems over time and space. the current main problems on ecological economics are sustainability. acid rain.global warming, species extinction. and wealth distribution.
CIBC has 5 main ecology policies
Lending and Investment Considering environmental issues when making lending decisions. Investing in businesses, that tackle a ecological problem at the same time as offering a financial return. Investments tend to be in areas such as fair trade, renewable energy, poverty alleviation, organic farming, and community shops orporate Environmental Policy Conducting business in an environmentally prudent manner Protect and conserve the environment Safeguard the interests of CIBC’s stakeholders from unacceptable levels of environmental risk Support the principles of sustainable development
Green Building Design, Products ,and Services developing new products and services that respond to consumer demand for sustainable choices, paperless statements co-branded credit cards.

2008 financial crash - people want to save, people don’t trust bank, liquidity of assets. discussion on energy

G) Geo-Political Risk - Dan
- inside of canada
-outside of Canada - international

H) CIBC Financial Report- Dan 1. Ratios Compared to other five big banks: Profit Margin Operating Margin ROA ROE

2. Derviatives Notional and OTC Expsoure for 2011, 2012, 2013 Balance Sheet Information (liabilities and assets)

exposure to markets, more risky, look at balance sheet looks everything is ok compare to the big five

Contact Phone Numbers:

Ying Chi 403-929-2730
Qian Rong 403-393-1158
Yuxuan Hou 403-929-4455
Tuan Tran 403-332-2580
Loraine Menicoche 867-446-9177
Robyn Mantla 867 445 6054

Executive Summary

CIBC

Chi Consulting
Ying Chi
Yuxuan Hou
Robyn Mantla
Loraine Menicoche-Moses #001163473
Qian Rong
Dan Sparklingeyes
Tuan Tran

Executive Summary
CIBC is the fifth largest federally regulated bank in Canada. CIBC currently operates internationally in the USA, China, and United Kingdom. It is a growing business