1.
RBC Bank
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RBC Bank, was the United States-based retail banking division of the Royal Bank of Canada. The headquarters for the bank were in Raleigh, North Carolina, banking centers and automated teller machines were located throughout the Southeastern United States. The companys largest operations were in North Carolina and Alabama, on June 19,2011, PNC Financial Services agreed to buy RBC Bank USA from Royal Bank of Canada for $3.45 billion. The sale of RBC Bank closed in March 2012, upon acquisition, all RBC Bank branches were rebranded as PNC branches and the RBC Bank brand became dormant for US customers. The company would return to the U. S. in 2015 with its acquisition of City National Bank in California. As of 2017, this continues to operate under its original name. On November 2,1990, Peoples Bancorp and Planters Corp. of Rocky Mount, North Carolina, in June 2001, Royal Bank of Canada acquired Centura Banks and rebranded them as RBC Centura. RBC announced on January 17,2008, that it would abandon the Centura brand in April 2008, over 1000 employees continued to work in Rocky Mount as of 2011, in such areas as information technology and mortgage processing. On June 19,2011, PNC Financial Services agreed to purchase RBC bank for $3.45 billion, the purchase price represented a $112 million discount to the book value of the unit. BB&T Bank also made a bid, RBC Insurance, RBC Wealth Management and RBC Investing are subsidiaries of RBC. The bank merged with Flag Bank, increasing its presence in Georgia, RBC continued to grow in the Southeast after acquiring 39 branches of Birmingham, Alabama-based AmSouth Bank on March 9,2007. Previously, RBC Centura had no locations in Alabama, rBCs footprint in Alabama, Georgia, and Florida expanded significantly after its acquisition of Alabama National BanCorporation. RBC received U. S. approval February 5,2008, the remaining branches re-opened by June 2008. ANB operated in three states through eleven different subsidiaries, construction of the RBC Plaza, now PNC Plaza, in 2008, was not the first major move by RBC to become a major part of the community in Raleigh, NC. In 2002, RBC purchased the rights for the Raleigh Entertainment & Sports Arena, home to the Carolina Hurricanes of the National Hockey League. The arena became the RBC Center, with a 20-year lease at a cost of $80 million. In June 2006, the RBC Center hosted the NHLs Stanley Cup Finals, and on June 19,2006, PNC acquired the naming rights with the purchase of RBC, and the name changed to PNC Arena on March 15,2012. At the time PNC acquired RBC, it had a total of 5,000 employees with 500 located in the Raleigh area
2.
Bank of Canada
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The Bank of Canada is Canadas central bank. The bank was chartered by and under the Bank of Canada Act on July 3,1934, in 1938, the bank was legally designated a federal Crown corporation. The Minister of Finance holds the entire share capital issued by the bank, the essential role of the bank, as Canadas central bank, is to promote the economic and financial well-being of Canada. With the exception of the word Canada replacing the word Dominion the wording today is identical to the 1934 legislation which created the bank. Changes to make the bank a government-owned institution in 1938 did not alter the purpose of the Bank as set out in the preamble to the Bank of Canada Act. The Bank of Canada headquarters are located at the Bank of Canada Building,234 Wellington Street in the nations capital, the edifice also houses the Currency Museum, which opened in December,1980. Between 2013 and 2017, the Bank of Canada temporarily moved its offices to 234 Laurier Street in Ottawa to allow renovations to its headquarters building. On March 11,1935, the Bank of Canada began operations, initially, the bank had been founded as a privately owned corporation, a move taken in order to ensure the bank would be free from partisan political influence. In 1938, under Prime Minister William Lyon Mackenzie King, the Bank of Canada, the Bank shall be under the management of a Board of Directors composed of a Governor, a Deputy Governor and twelve directors appointed in accordance with this Act. The Governor and Deputy Governor shall be appointed by the directors with the approval of the Governor in Council, prior to the creation of the Bank of Canada, the federal Department of Finance had been responsible for printing Canadas banknotes. The Bank of Montreal, then the nations largest bank, acted as the governments banker, a major proponent was the Royal Bank of Canada, which wanted to see the government business taken away from its rival. When the central bank was founded, the Government of Canada claimed it was constrained by its foreign debts, the Government also claimed it was constrained by its inability to deal directly on Canadas foreign debts. The farmers were joined by manufacturing interests and other groups in favor of a depreciating currency, in 1944, the Bank of Canada then became the sole issuer of legal tender banknotes in and under Canada. After the war, the role was expanded as it was mandated to encourage economic growth in Canada. An Act of Parliament in September 1944 established the subsidiary Business Development Bank of Canada to stimulate investment in Canadian businesses, Prime Minister John Diefenbakers central-bank monetary policy was directed towards increasing the money supply to generate low interest rates, and incentivize full employment. When inflation began to rise in the early 1960s, then-Governor James Coyne ordered a reduction in the Canadian money supply, since the 1980s, keeping inflation low has been the main priority of the Bank of Canada. In the early 1990s, the rules of Canada were changed. Since that time, the reserves of Canadas chartered banks have been internal corporate bank policy
3.
Ticker symbol
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A ticker symbol or stock symbol is an abbreviation used to uniquely identify publicly traded shares of a particular stock on a particular stock market. A stock symbol may consist of letters, numbers or a combination of both, ticker symbol refers to the symbols that were printed on the ticker tape of a ticker tape machine. Stock symbols are unique identifiers assigned to each security traded on a particular market, for example, AAPL is for Apple Inc. OODH is for Orion DHC, Inc. and HD is for Home Depot, a stock symbol can consist of letters, numbers, or a combination of both, and is a way to uniquely identify that stock. The symbols were kept as short as possible to reduce the number of characters that had to be printed on the ticker tape, the allocation of symbols and formatting convention is specific to each stock exchange. In the US, for example, stock tickers are typically between 1 and 4 letters and represent the name where possible. In Europe, most exchanges use three-letter codes, for example Dutch consumer goods company Unilever traded on the Amsterdam Euronext exchange has the symbol UNA, while in Asia, numbers are often used as stock tickers to avoid issues for international investors when using non-Latin scripts. For example, the bank HSBCs stock traded on the Hong Kong Stock Exchange has the ticker symbol 0005, symbols sometimes change to reflect mergers. Prior to the 1999 merger with Mobil Oil, Exxon used a spelling of the company XON as its ticker symbol. The symbol of the firm after the merger was XOM, symbols are sometimes reused, in the US the single-letter symbols are particularly sought after as vanity symbols. For example, since Mar 2008 Visa Inc. has used the symbol V that had previously used by Vivendi which had delisted. To fully qualify a stock, both the ticker and the exchange or country of listing needs to be known, on many systems both must be specified to uniquely identify the security. This is often done by appending the location or exchange code to the ticker, although stock tickers identify a security, they are exchange dependent, generally limited to stocks and can change. These limitations have led to the development of other codes in financial markets to identify securities for settlement purposes, the most prevalent of these is the International Securities Identifying Number. An ISIN uniquely identifies a security and its structure is defined in ISO6166, Securities for which ISINs are issued include bonds, commercial paper, stocks, and warrants. The ISIN identifies the security, not the exchange on which it trades, for instance, Daimler AG stock trades on twenty-two different stock exchanges worldwide, and is priced in five different currencies, it has the same ISIN on each, though not the same ticker symbol. ISIN cannot specify a particular trade in this case, and another identifier, following the introduction of the Sequence trading platform in 1996, EPICs were renamed Tradable Instrument Display Mnemonics, but they are still widely referred to as EPICs. Stocks can also be identified using their SEDOL number or their ISIN, in the United States, modern letter-only ticker symbols were developed by Standard & Poors to bring a national standard to investing
4.
Toronto Stock Exchange
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Toronto Stock Exchange is one of the worlds largest stock exchanges. It is the ninth largest exchange in the world by market capitalization, based in Toronto, it is owned by and operated as a subsidiary of the TMX Group for the trading of senior equities. A broad range of businesses from Canada and abroad are represented on the exchange, in addition to conventional securities, the exchange lists various exchange-traded funds, split share corporations, income trusts and investment funds. More mining and oil and gas companies are listed on Toronto Stock Exchange than any other stock exchange, the Toronto Stock Exchange likely descended from the Association of Brokers, a group formed by Toronto businessmen on July 26,1852. No records of the transactions have survived. On October 25,1861, twenty-four men gathered at the Masonic Hall to create the Toronto Stock Exchange, the exchange was incorporated by an act of the Legislative Assembly of Ontario in 1878. The TSX grew continuously in size and in shares traded, save for a period in 1914 when the exchange was shut down for fear of financial panic due to World War I. In 1934, the Toronto Stock Exchange merged with its key competitor, the merged markets kept the Toronto Stock Exchange name. The TSX opened its new trading floor and headquarters in an Art Deco building on Bay Street in 1937, in 1977, the TSX introduced CATS, an automated trading system, and began to use it for the quotation of less liquid equities. In 1983, the TSX vacated its Art Deco headquarters on Bay Street, the old TSX building later became the Design Exchange, a museum and education centre. On April 23,1997, the TSXs trading floor closed, making it the second-largest stock exchange in North America to choose a floorless, in 1999, the Toronto Stock Exchange announced the appointment of Barbara G. Stymiest to the position of President & Chief Executive Officer. Through a realignment plan, Toronto Stock Exchange became Canadas sole exchange for the trading of senior equities, the Canadian Dealing Network, Winnipeg Stock Exchange, and equities portion of the Montreal Exchange later merged with CDNX. In 2000, the Toronto Stock Exchange became a for-profit company, in 2001, the Toronto Stock Exchange acquired the Canadian Venture Exchange, which was renamed the TSX Venture Exchange in 2002, this resulted in the creation of a parent to the TSX, the TSX Group. This ended 123 years of the usage of TSE as a Canadian stock exchange, on May 11,2007, the S&P/TSX Composite, the main index of the Toronto Stock Exchange, traded above the 14,000 point level for the first time ever. On December 17,2008, the TSX for the first time in history was closed for a trading day due to a technical glitch.9 trillion. Xavier Rolet, who is CEO of the LSE Group, would head the new enlarged company, based on data from December 30,2010 the new stock exchange would have been the second largest in the world with a market cap 48% greater than the Nasdaq. 8 of the 15 board members of the entity will be appointed by LSE. The provisional name for the group would be LTMX Group plc
5.
New York Stock Exchange
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The New York Stock Exchange, is an American stock exchange located at 11 Wall Street, Lower Manhattan, New York City, New York. It is by far the worlds largest stock exchange by market capitalization of its companies at US$19.3 trillion as of June 2016. The average daily trading value was approximately US$169 billion in 2013, the NYSE trading floor is located at 11 Wall Street and is composed of 21 rooms used for the facilitation of trading. A fifth trading room, located at 30 Broad Street, was closed in February 2007, the main building and the 11 Wall Street building were designated National Historic Landmarks in 1978. The NYSE is owned by Intercontinental Exchange, an American holding company that it also lists, previously, it was part of NYSE Euronext, which was formed by the NYSEs 2007 merger with Euronext. NYSE and Euronext now operate as divisions of Intercontinental Exchange, the NYSE has been the subject of several lawsuits regarding fraud or breach of duty and in 2004 was sued by its former CEO for breach of contract and defamation. The earliest recorded organization of securities trading in New York among brokers directly dealing with each other can be traced to the Buttonwood Agreement, previously securities exchange had been intermediated by the auctioneers who also conducted more mundane auctions of commodities such as wheat and tobacco. In 1817 the stockbrokers of New York operating under the Buttonwood Agreement instituted new reforms, after sending a delegation to Philadelphia to observe the organization of their board of brokers, restrictions on manipulative trading were adopted as well as formal organs of governance. Several locations were used between 1817 and 1865, when the present location was adopted, the invention of the electrical telegraph consolidated markets, and New Yorks market rose to dominance over Philadelphia after weathering some market panics better than other alternatives. The Civil War greatly stimulated speculative securities trading in New York, by 1869 membership had to be capped, and has been sporadically increased since. The latter half of the century saw rapid growth in securities trading. Securities trade in the nineteenth and early twentieth centuries was prone to panics. The Stock Exchange Luncheon Club was situated on the floor from 1898 until its closure in 2006. The main building, located at 18 Broad Street, between the corners of Wall Street and Exchange Place, was designated a National Historic Landmark in 1978, as was the 11 Wall Street building. The NYSE announced its plans to merge with Archipelago on April 21,2005, NYSEs governing board voted to merge with rival Archipelago on December 6,2005, and became a for-profit, public company. It began trading under the name NYSE Group on March 8,2006, Wall Street is the leading US money center for international financial activities and the foremost US location for the conduct of wholesale financial services. It comprises a matrix of wholesale financial sectors, financial markets, financial institutions, the principal sectors are securities industry, commercial banking, asset management, and insurance. Prior to the acquisition of NYSE Euronext by the ICE in 2013, Marsh Carter was the Chairman of the NYSE, presently, the chairman is Jeffrey Sprecher
6.
SIX Swiss Exchange
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SIX Swiss Exchange, based in Zurich, is Switzerlands principal stock exchange. SIX Swiss Exchange also trades other securities such as Swiss government bonds, the main stock market index for the SIX Swiss Exchange is the blue-chip index, the SMI, or Swiss Market Index. The index consists of the 20 most significant and most liquid large, SIX Swiss Exchange was the first stock exchange in the world to incorporate a fully automated trading, clearing and settlement system in 1995. The exchange is controlled by an association of 55 banks, each of these banks has equal voting rights in the matter of decision making concerning the management and regulation of the exchange. SIX Swiss Exchange is the joint owner of Eurex, the worlds largest futures and derivatives exchange along with their German partners Deutsche Börse. In July 2004 however SIX Swiss Exchange rejected a proposal from the German company. Was renamed SIX Swiss Exchange in 2008 Merged with SIS Group, SIX SIS Ltd which provides securities settlement and custody services. SIX SAG Ltd providing share registry service, SIX Financial Information providing financial information services. SIX pay, multipay providing payment services within Switzerland and Europe, SIX Payment Services providing payment services within Europe, Scandinavia, US, Australia and in the UAE. SIX Interbank Clearing AG, running the Swiss Interbank Clearing system providing interbank clearing or real-time gross settlement on behalf of the bank of Switzerland the Swiss National Bank. SIC became part of the SIX Group in 2008 as part of a merger of the financial market infrastructure providers in Switzerland. The exchanges normal trading sessions are from 09,00 to 17,30 on all days of the week except Saturdays, Sundays, list of stock exchanges Official site
7.
Halifax, Nova Scotia
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Halifax, legally known as the Halifax Regional Municipality, is the capital of the province of Nova Scotia, Canada. The municipality had a population of 403,131 in 2016, the regional municipality consists of four former municipalities that were amalgamated in 1996, Halifax, Dartmouth, Bedford, and the Municipality of Halifax County. Halifax is an economic centre in Atlantic Canada with a large concentration of government services. Agriculture, fishing, mining, forestry and natural gas extraction are major resource found in the rural areas of the municipality. Additionally, Halifax has consistently placed in the top 10 for business friendliness of North and South American cities, the first permanent European settlement in the region was on the Halifax Peninsula. The establishment of the Town of Halifax, named after the 2nd Earl of Halifax, the establishment of Halifax marked the beginning of Father Le Loutres War. The war began when Edward Cornwallis arrived to establish Halifax with 13 transports, by unilaterally establishing Halifax the British were violating earlier treaties with the Mikmaq, which were signed after Father Rales War. Cornwallis brought along 1,176 settlers and their families, St. Margarets Bay was first settled by French-speaking Foreign Protestants at French Village, Nova Scotia who migrated from Lunenburg, Nova Scotia during the American Revolution. The resulting explosion, the Halifax Explosion, devastated the Richmond District of Halifax, killing approximately 2,000 people, the blast was the largest artificial explosion before the development of nuclear weapons. Significant aid came from Boston, strengthening the bond between the two coastal cities, the municipal boundary thus now includes all of Halifax County except for several First Nation reserves. Since amalgamation, the region has officially been known as the Halifax Regional Municipality, on April 15,2014, the regional council approved the implementation of a new branding campaign for the region developed by the local firm Revolve Marketing. The campaign would see the region referred to in promotional materials simply as Halifax, mayor Mike Savage defended the decision, stating, Im a Westphal guy, Im a Dartmouth man, but Halifax is my city, we’re all part of Halifax. Because when I go and travel on behalf of this municipality, metropolitan Halifax is a term used to describe the urban concentration surrounding Halifax Harbour, including the Halifax Peninsula, the core of Dartmouth, and the Bedford-Sackville areas. It is the Statistics Canada population centre of Halifax, the dense urban core is centred on the Halifax Peninsula and the area of Dartmouth inside of the Circumferential Highway. The suburban area stretches into areas known as Mainland Halifax to the west, Cole Harbour to the east and this urban area is the most populous on Canadas Atlantic coast, and the second largest coastal population centre in the country after Vancouver, British Columbia. Halifax currently accounts for 40% of Nova Scotias population, and 15% of that of Atlantic Canada, Halifaxs urban core is home to a number of regional landmark buildings and retains significant historic buildings and districts. The downtowns office towers are overlooked by the fortress of Citadel Hill with its iconic Halifax Town Clock, Dalhousie Universitys campus is often featured in films and documentaries. Dartmouth also has its share of historic neighbourhoods and this has resulted in some modern high rises being built at unusual angles or locations
8.
Nova Scotia
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Nova Scotia is one of Canadas three Maritime provinces, and one of the four provinces which form Atlantic Canada. Nova Scotia is Canadas second-smallest province, with an area of 55,284 square kilometres, including Cape Breton, as of 2016, the population was 923,598. Nova Scotia is the second most-densely populated province in Canada with 17.4 inhabitants per square kilometre, Nova Scotia means New Scotland in Latin and is the recognized English language name for the province. In Scottish Gaelic, the province is called Alba Nuadh, which simply means New Scotland. Nova Scotia is Canadas second-smallest province in area after Prince Edward Island, the provinces mainland is the Nova Scotia peninsula surrounded by the Atlantic Ocean, including numerous bays and estuaries. Nowhere in Nova Scotia is more than 67 km from the ocean, Nova Scotia has many ancient fossil-bearing rock formations. These formations are rich on the Bay of Fundys shores. Blue Beach near Hantsport, Joggins Fossil Cliffs, on the Bay of Fundys shores, has yielded an abundance of Carboniferous age fossils, wassons Bluff, near the town of Parrsboro, has yielded both Triassic and Jurassic age fossils. Nova Scotia lies in the mid-temperate zone, since the province is almost surrounded by the sea, the climate is closer to maritime than to continental climate. The winter and summer temperature extremes of the climate are moderated by the ocean. However, winters are cold enough to be classified as continental – still being nearer the freezing point than inland areas to the west. The Nova Scotia climate is in ways similar to the central Baltic Sea coast in Northern Europe. This is in spite of Nova Scotia being some fifteen parallels south, areas not on the Atlantic coast experience warmer summers more typical of inland areas, and winter lows a little colder. The province includes regions of the Mikmaq nation of Mikmaki, the Mikmaq people inhabited Nova Scotia at the time the first European colonists arrived. In 1605, French colonists established the first permanent European settlement in the future Canada at Port Royal, the British conquest of Acadia took place in 1710. The Treaty of Utrecht in 1713 formally recognized this and returned Cape Breton Island to the French, present-day New Brunswick then still formed a part of the French colony of Acadia. The British changed the name of the capital from Port Royal to Annapolis Royal, in 1749, the capital of Nova Scotia moved from Annapolis Royal to the newly established Halifax. In 1755 the vast majority of the French population were removed in the Expulsion of the Acadians
9.
Toronto
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Toronto is the most populous city in Canada and the provincial capital of Ontario. With a population of 2,731,571, it is the fourth most populous city in North America after Mexico City, New York City, and Los Angeles. A global city, Toronto is a centre of business, finance, arts, and culture. Aboriginal peoples have inhabited the area now known as Toronto for thousands of years, the city itself is situated on the southern terminus of an ancient Aboriginal trail leading north to Lake Simcoe, used by the Wyandot, Iroquois, and the Mississauga. Permanent European settlement began in the 1790s, after the broadly disputed Toronto Purchase of 1787, the British established the town of York, and later designated it as the capital of Upper Canada. During the War of 1812, the town was the site of the Battle of York, York was renamed and incorporated as the city of Toronto in 1834, and became the capital of the province of Ontario during the Canadian Confederation in 1867. The city proper has since expanded past its original borders through amalgamation with surrounding municipalities at various times in its history to its current area of 630.2 km2. While the majority of Torontonians speak English as their primary language, Toronto is a prominent centre for music, theatre, motion picture production, and television production, and is home to the headquarters of Canadas major national broadcast networks and media outlets. Toronto is known for its skyscrapers and high-rise buildings, in particular the tallest free-standing structure in the Western Hemisphere. The name Toronto is likely derived from the Iroquois word tkaronto and this refers to the northern end of what is now Lake Simcoe, where the Huron had planted tree saplings to corral fish. A portage route from Lake Ontario to Lake Huron running through this point, in the 1660s, the Iroquois established two villages within what is today Toronto, Ganatsekwyagon on the banks of the Rouge River and Teiaiagonon the banks of the Humber River. By 1701, the Mississauga had displaced the Iroquois, who abandoned the Toronto area at the end of the Beaver Wars, French traders founded Fort Rouillé on the current Exhibition grounds in 1750, but abandoned it in 1759. During the American Revolutionary War, the region saw an influx of British settlers as United Empire Loyalists fled for the British-controlled lands north of Lake Ontario, the new province of Upper Canada was in the process of creation and needed a capital. Dorchester intended the location to be named Toronto, in 1793, Governor John Graves Simcoe established the town of York on the Toronto Purchase lands, instead naming it after Prince Frederick, Duke of York and Albany. Simcoe decided to move the Upper Canada capital from Newark to York, the York garrison was constructed at the entrance of the towns natural harbour, sheltered by a long sandbar peninsula. The towns settlement formed at the end of the harbour behind the peninsula, near the present-day intersection of Parliament Street. In 1813, as part of the War of 1812, the Battle of York ended in the towns capture, the surrender of the town was negotiated by John Strachan. US soldiers destroyed much of the garrison and set fire to the parliament buildings during their five-day occupation, the sacking of York was a primary motivation for the Burning of Washington by British troops later in the war
10.
Ontario
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Ontario, one of the 13 provinces and territories of Canada, is located in east-central Canada. It is Canadas most populous province by a margin, accounting for nearly 40 percent of all Canadians. Ontario is fourth-largest in total area when the territories of the Northwest Territories and it is home to the nations capital city, Ottawa, and the nations most populous city, Toronto. There is only about 1 km of land made up of portages including Height of Land Portage on the Minnesota border. Ontario is sometimes divided into two regions, Northern Ontario and Southern Ontario. The great majority of Ontarios population and arable land is located in the south, in contrast, the larger, northern part of Ontario is sparsely populated with cold winters and is heavily forested. The province is named after Lake Ontario, a thought to be derived from Ontarí, io, a Huron word meaning great lake, or possibly skanadario. Ontario has about 250,000 freshwater lakes, the province consists of three main geographical regions, The thinly populated Canadian Shield in the northwestern and central portions, which comprises over half the land area of Ontario. Although this area mostly does not support agriculture, it is rich in minerals and in part covered by the Central and Midwestern Canadian Shield forests, studded with lakes, Northern Ontario is subdivided into two sub-regions, Northwestern Ontario and Northeastern Ontario. The virtually unpopulated Hudson Bay Lowlands in the north and northeast, mainly swampy. Southern Ontario which is further sub-divided into four regions, Central Ontario, Eastern Ontario, Golden Horseshoe, the highest point is Ishpatina Ridge at 693 metres above sea level located in Temagami, Northeastern Ontario. In the south, elevations of over 500 m are surpassed near Collingwood, above the Blue Mountains in the Dundalk Highlands, the Carolinian forest zone covers most of the southwestern region of the province. A well-known geographic feature is Niagara Falls, part of the Niagara Escarpment, the Saint Lawrence Seaway allows navigation to and from the Atlantic Ocean as far inland as Thunder Bay in Northwestern Ontario. Northern Ontario occupies roughly 87 percent of the area of the province. Point Pelee is a peninsula of Lake Erie in southwestern Ontario that is the southernmost extent of Canadas mainland, Pelee Island and Middle Island in Lake Erie extend slightly farther. All are south of 42°N – slightly farther south than the border of California. The climate of Ontario varies by season and location, the effects of these major air masses on temperature and precipitation depend mainly on latitude, proximity to major bodies of water and to a small extent, terrain relief. In general, most of Ontarios climate is classified as humid continental, Ontario has three main climatic regions
11.
Montreal
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Montreal, officially Montréal, is the most populous municipality in the Canadian province of Quebec and the 2nd-most populous in Canada as a whole. Originally called Ville-Marie, or City of Mary, it is believed to be named after Mount Royal, the city has a distinct four-season continental climate, with warm-to-hot summers and cold, snowy winters. In 2016, Montreal had a population of 1,704,694, Montreals metropolitan area had a population of 4,098,927 and a population of 1,958,257 in the urban agglomeration, with all of the municipalities on the Island of Montreal included. Legally a French-speaking city,60. 5% of Montrealers speak French at home,21. 2% speak English and 19. 8% speak neither, Montreal is one of the most bilingual cities in Quebec and Canada, with 56% of the population able to speak both official languages. Montreal is the second-largest primarily French-speaking city in the world after Paris, historically the commercial capital of Canada, it was surpassed in population and economic strength by Toronto in the 1970s. It remains an important centre of commerce, aerospace, finance, pharmaceuticals, technology, design, education, culture, tourism, gaming, film, Montreal was also named a UNESCO City of Design. In 2009, Montreal was named North Americas leading host city for international events, according to the 2009 preliminary rankings of the International Congress. According to the 2015 Global Liveability Ranking by the Economist Intelligence Unit, in the 2017 edition of their Best Student Cities ranking, Quacquarelli Symonds ranked Montreal as the worlds best city to study abroad. Also, Montreal has 11 universities with 170,000 students enrolled, the Greater Montréal region has the highest number of university students per capita among all metropolitan areas in North America. It is the only Canadian city to have held the Summer Olympics, currently, the city hosts the Canadian Grand Prix of Formula One, the Montreal International Jazz Festival and the Just for Laughs festival. In 2012, Montreal was ranked as a Beta+ world city, in Kanien’kéha, or Mohawk language, the island is called Tiohtià, ke Tsi or Ka-wé-no-te. In Anishinaabemowin, or Ojibwe language, the land is called Mooniyaang, though the city was first named by French colonizers Ville Marie, or City of Mary, its current name comes from Mount Royal, the triple-peaked hill in the heart of the city. The most popular theory is that the name derives from Mont Réal, Cartiers 1535 diary entry, naming the mountain, according to the Commission de toponymie du Québec and the Geographical Names Board of Canada, Canadian place names have only one official form. Thus, Montreal is officially spelled with an accent over the e in both English and French. In practice, this is limited to governmental uses. English-speaking Montrealers, including English-language media, regularly omit the accent when writing in English, archaeological evidence demonstrates that First Nations native people occupied the island of Montreal as early as 4,000 years ago. By the year AD1000, they had started to cultivate maize, within a few hundred years, they had built fortified villages. Archeologists have found evidence of their habitation there and at locations in the valley since at least the 14th century
12.
Quebec
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Quebec is the second-most populous province of Canada and the only one to have a predominantly French-speaking population, with French as the sole provincial official language. Quebec is Canadas largest province by area and its second-largest administrative division and it also shares maritime borders with Nunavut, Prince Edward Island, and Nova Scotia. Quebec is Canadas second-most populous province, after Ontario, most inhabitants live in urban areas near the Saint Lawrence River between Montreal and Quebec City, the capital. Approximately half of Quebec residents live in the Greater Montreal Area, the Nord-du-Québec region, occupying the northern half of the province, is sparsely populated and inhabited primarily by Aboriginal peoples. Even in central Quebec at comparatively southerly latitudes winters are severe in inland areas, Quebec independence debates have played a large role in the politics of the province. Parti Québécois governments held referendums on sovereignty in 1980 and 1995, in 2006, the House of Commons of Canada passed a symbolic motion recognizing the Québécois as a nation within a united Canada. These many industries have all contributed to helping Quebec become an economically influential province within Canada, early variations in the spelling of the name included Québecq and Kébec. French explorer Samuel de Champlain chose the name Québec in 1608 for the colonial outpost he would use as the seat for the French colony of New France. The province is sometimes referred to as La belle province, the Province of Quebec was founded in the Royal Proclamation of 1763 after the Treaty of Paris formally transferred the French colony of Canada to Britain after the Seven Years War. The proclamation restricted the province to an area along the banks of the Saint Lawrence River, the Treaty of Versailles ceded territories south of the Great Lakes to the United States. After the Constitutional Act of 1791, the territory was divided between Lower Canada and Upper Canada, with each being granted an elected legislative assembly, in 1840, these become Canada East and Canada West after the British Parliament unified Upper and Lower Canada into the Province of Canada. This territory was redivided into the Provinces of Quebec and Ontario at Confederation in 1867, each became one of the first four provinces. In 1898, the Canadian Parliament passed the first Quebec Boundary Extension Act that expanded the provincial boundaries northward to include the lands of the aboriginal peoples. This was followed by the addition of the District of Ungava through the Quebec Boundaries Extension Act of 1912 that added the northernmost lands of the Inuit to create the modern Province of Quebec. In 1927, the border between Quebec and Newfoundland and Labrador was established by the British Judicial Committee of the Privy Council. Located in the part of Canada, and part of Central Canada. Its topography is very different from one region to another due to the composition of the ground, the climate. The Saint Lawrence Lowland and the Canadian Shield are the two main regions, and are radically different
13.
Retail banking
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Retail banking, also known as consumer banking, is the provision of services by a bank to individual consumers, rather than to companies, corporations or other banks. Services offered include savings and transactional accounts, mortgages, personal loans, debit cards, the term is generally used to distinguish these banking services from investment banking, commercial banking or wholesale banking. It may also be used to refer to a division or department of a bank dealing with retail customers, in the U. S. the term commercial bank is used for a normal bank to distinguish it from an investment bank. This separation was repealed in the 1990s, commercial bank can also refer to a bank or a division of a bank that mostly deals with deposits and loans from corporations or large businesses, as opposed to individual members of the public. S. Private banks manage the assets of high-net-worth individuals, offshore banks are banks located in jurisdictions with low taxation and regulation. Many offshore banks are essentially private banks, postal savings banks are savings banks associated with national postal systems
14.
Investment banking
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Unlike commercial banks and retail banks, investment banks do not take deposits. From the passage of Glass–Steagall Act in 1933 until its repeal in 1999 by the Gramm–Leach–Bliley Act, Other industrialized countries, including G7 countries, have historically not maintained such a separation. As part of the Dodd–Frank Wall Street Reform and Consumer Protection Act of 2010, the two main lines of business in investment banking are called the sell side and the buy side. The sell side involves trading securities for cash or for other securities, the buy side involves the provision of advice to institutions that buy investment services. Private equity funds, mutual funds, life insurance companies, unit trusts, an investment bank can also be split into private and public functions with a Chinese wall separating the two to prevent information from crossing. The private areas of the deal with private insider information that may not be publicly disclosed, while the public areas, such as stock analysis. The first company to publicly traded stock was the Dutch East India Company. Investment banking has changed over the years, beginning as a form focused on underwriting security issuance. In the United States, commercial banking and investment banking were separated by the Glass–Steagall Act, the repeal led to more universal banks offering an even greater range of services. Many large commercial banks have therefore developed investment banking divisions through acquisitions, notable large banks with significant investment banks include JPMorgan Chase, Bank of America, Credit Suisse, Deutsche Bank, UBS, Barclays, and Wells Fargo. The traditional service of underwriting security issues has declined as a percentage of revenue, as far back as 1960, 70% of Merrill Lynchs revenue was derived from transaction commissions while traditional investment banking services accounted for 5%. However, Merrill Lynch was a relatively retail-focused firm with a large brokerage network, investment banking is split into front office, middle office, and back office activities. Investment banks offer services to corporations issuing securities and investors buying securities. For corporations, investment bankers offer information on when and how to place their securities on the open market, therefore, investment bankers play a very important role in issuing new security offerings. Front office is described as a revenue generating role. Markets is divided into sales and trading, and research, a pitch book of financial information is generated to market the bank to a potential M&A client, if the pitch is successful, the bank arranges the deal for the client. The investment banking division is divided into industry coverage and product coverage groups. On behalf of the bank and its clients, an investment banks primary function is buying and selling products
15.
Mortgage loan
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The loan is secured on the borrowers property. Mortgage can also be described as a borrower giving consideration in the form of a collateral for a benefit, Mortgage borrowers can be individuals mortgaging their home or they can be businesses mortgaging commercial property. Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, in many jurisdictions, it is normal for home purchases to be funded by a mortgage loan. Few individuals have enough savings or liquid funds to them to purchase property outright. In countries where the demand for ownership is highest, strong domestic markets for mortgages have developed. According to Anglo-American property law, a mortgage occurs when an owner pledges his or her interest as security or collateral for a loan. As with other types of loans, mortgages have an interest rate and are scheduled to amortize over a set period of time, typically 30 years. All types of property can be, and usually are, secured with a mortgage. Mortgage lending is the mechanism used in many countries to finance private ownership of residential and commercial property. Although the terminology and precise forms will differ from country to country, the components tend to be similar, Property. The exact form of ownership will vary from country to country, Mortgage, the security interest of the lender in the property, which may entail restrictions on the use or disposal of the property. Restrictions may include requirements to purchase insurance and mortgage insurance. Borrower, the person borrowing who either has or is creating an ownership interest in the property, lender, any lender, but usually a bank or other financial institution. Principal, the size of the loan, which may or may not include certain other costs, as any principal is repaid. Interest, a charge for use of the lenders money. Completion, legal completion of the deed, and hence the start of the mortgage. A closed mortgage account is said to be redeemed, many other specific characteristics are common to many markets, but the above are the essential features. Governments usually regulate many aspects of mortgage lending, either directly or indirectly, other aspects that define a specific mortgage market may be regional, historical, or driven by specific characteristics of the legal or financial system
16.
Credit card
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The card issuer creates a revolving account and grants a line of credit to the cardholder, from which the cardholder can borrow money for payment to a merchant or as a cash advance. A credit card is different from a card, where it requires the balance to be repaid in full each month. In contrast, credit cards allow the consumers a continuing balance of debt, a credit card also differs from a cash card, which can be used like currency by the owner of the card. Credit cards have a printed or embossed bank card number complying with the ISO/IEC7812 numbering standard, the card numbers prefix, called the Bank Identification Number, is the sequence of digits at the beginning of the number that determine the bank to which a credit card number belongs. This is the first six digits for MasterCard and Visa cards, the next nine digits are the individual account number, and the final digit is a validity check code. Both of these standards are maintained and further developed by ISO/IEC JTC 1/SC 17/WG1, Credit cards have a magnetic stripe conforming to the ISO/IEC7813. Many modern credit cards have a chip embedded in them as a security feature. In addition to the credit card number, credit cards also carry issue and expiration dates, as well as extra codes such as issue numbers. Not all credit cards have the sets of extra codes nor do they use the same number of digits. The concept of using a card for purchases was described in 1887 by Edward Bellamy in his utopian novel Looking Backward. Bellamy used the credit card eleven times in this novel, although this referred to a card for spending a citizens dividend from the government. Charge coins and other items were used from the late 19th century to the 1930s. They came in various shapes and sizes, with materials made out of celluloid, copper, aluminum, steel, each charge coin usually had a little hole, enabling it to be put in a key ring, like a key. These charge coins were given to customers who had charge accounts in department stores, hotels. A charge coin usually had the account number along with the merchants name. The charge coin offered a simple and fast way to copy a charge account number to the sales slip and this sped the process of copying, previously done by handwriting. It also reduced the number of errors, by having a form of numbers on the sales slip. Because the customers name was not on the coin, almost anyone could use it
17.
Canadian dollar
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The Canadian dollar is the currency of Canada. It is abbreviated with the dollar sign $, or sometimes Can$ or C$ to distinguish it from other dollar-denominated currencies and it is divided into 100 cents. Canadas dollar is the fifth most held reserve currency in the world, accounting for approximately 2% of all global reserves, behind only the U. S. dollar, the euro, the yen and the pound sterling. In 1841, the Province of Canada adopted a new system based on the Halifax rating, the new Canadian pound was equal to four US dollars, making one pound sterling equal to 1 pound,4 shillings, and 4 pence Canadian. Thus, the new Canadian pound was worth 16 shillings and 5.3 pence sterling, the 1850s was a decade of wrangling over whether to adopt a sterling monetary system or a decimal monetary system based on the US dollar. In 1851, the Legislative Council and the Legislative Assembly passed an act for the purposes of introducing a sterling unit in conjunction with decimal fractional coinage. The idea was that the coins would correspond to exact amounts in relation to the U. S. dollar fractional coinage. This gold standard was introduced with the gold sovereign being legal tender at £1 = US$ 4.86 2⁄3, no coinage was provided for under the 1853 act. Sterling coinage was legal tender and all other silver coins were demonetized. The British government in principle allowed for a decimal coinage but nevertheless held out the hope that a unit would be chosen under the name of royal. However, in 1857, the decision was made to introduce a decimal coinage into the Province of Canada in conjunction with the U. S. dollar unit, in 1859, Canadian colonial postage stamps were issued with decimal denominations for the first time. In 1860, the colonies of New Brunswick and Nova Scotia followed the colony of Canada in adopting a system based on the U. S. dollar unit. In the following year, Canadian colonial postage stamps were issued with the shown in dollars. The U. S. dollar was created in 1792 on the basis of the weight of a selection of worn Spanish dollars. As such, the Spanish dollar was slightly more than the U. S. dollar, and likewise. In 1867, the colonies of Canada, New Brunswick, and Nova Scotia were united in a called the Dominion of Canada. In 1871, Prince Edward Island went decimal within the U. S. dollar unit, however, the currency of Prince Edward Island was absorbed into the Canadian system shortly afterwards, when Prince Edward island joined the Dominion of Canada in 1873. The Canadian Parliament passed the Uniform Currency Act in April 1871, tying up loose ends as to the currencies of the various provinces, the gold standard was temporarily abandoned during the First World War and definitively abolished on April 10,1933
18.
Net income
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In business, net income is an entitys income minus cost of goods sold, expenses and taxes for an accounting period. In the context of the presentation of financial statements, the IFRS Foundation defines net income as synonymous with profit, net income is a distinct accounting concept from profit but the same as net profit. Net income can also be calculated by adding a companys operating income to non-operating income, net income can be distributed among holders of common stock as a dividend or held by the firm as an addition to retained earnings. As profit and earnings are used synonymously for income, net earnings, often, the term income is substituted for net income, yet this is not preferred due to the possible ambiguity. Net income is called the bottom line because it is typically found on the last line of a companys income statement. The items deducted will typically include tax expense, financing expense, likewise, preferred stock dividends will be subtracted too, though they are not an expense. For a merchandising company, subtracted costs may be the cost of goods sold, sales discounts, for a product company advertising, manufacturing, and design and development costs are included
19.
Assets under management
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Methods of calculating AUM vary between firms. The fee structure depends on the contract between each client and the firm or fund, Assets under management rise and fall. They may increase when investment performance is positive, or when new customers, rising AUM normally increases the fees which the firm generates. Conversely, AUM are reduced by negative investment performance, as well as redemptions or withdrawals, including fund closures, client defections, lower AUM tend to result in lower fees generated. Assets under management includes, Capital raised from investors, Capital belonging to the principals of the management firm. For example, if fund managers contribute $2B of their own capital to the fund and raise additional $10B from investors, net asset value Fund Management Activities Survey 2005 Sovereign Wealth Fund Assets Under Management
20.
Asset
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In financial accounting, an asset is an economic resource. Anything tangible or intangible that can be owned or controlled to produce value, simply stated, assets represent value of ownership that can be converted into cash. The balance sheet of a firm records the value of the assets owned by that firm. It covers money and other valuables belonging to an individual or to a business, one can classify assets into two major asset classes, tangible assets and intangible assets. Tangible assets contain various subclasses, including current assets and fixed assets, current assets include inventory, while fixed assets include such items as buildings and equipment. Intangible assets are resources and rights that have a value to the firm because they give the firm some kind of advantage in the marketplace. Examples of intangible assets include goodwill, copyrights, trademarks, patents and computer programs, an asset is a resource controlled by the entity as a result of past events and from which future economic benefits are expected to flow to the entity. One of the most widely accepted accounting definitions of asset is the one used by the International Accounting Standards Board, employees are not considered assets like machinery is, even though they can generate future economic benefits. This is because an entity does not have sufficient control over its employees to satisfy the Frameworks definition of an asset, similarly, in economics an asset is any form in which wealth can be held. The accounting equation is the structure of the balance sheet. It relates assets, liabilities, and owners equity, Assets = Liabilities + Capital Liabilities = Assets − Capital Equity = Assets − Liabilities Assets are listed on the balance sheet. On a companys balance sheet certain divisions are required by generally accepted accounting principles, Assets can be divided into e. g. current assets and fixed assets, often with further subdivisions such as cash, receivables and inventory. Assets are formally controlled and managed within larger organizations via the use of asset tracking tools and these monitor the purchasing, upgrading, servicing, licensing, disposal etc. of both physical and non-physical assets. Current assets are cash and other assets expected to be converted to cash or consumed either in a year or in the operating cycle and these assets are continually turned over in the course of a business during normal business activity. There are 5 major items included into current assets, Cash and cash equivalents – it is the most liquid asset, which includes currency, deposit accounts, short-term investments – include securities bought and held for sale in the near future to generate income on short-term price differences. Receivables – usually reported as net of allowance for non-collectable accounts, inventory – trading these assets is a normal business of a company. The inventory value reported on the sheet is usually the historical cost or fair market value. This is known as the lower of cost or market rule, prepaid expenses – these are expenses paid in cash and recorded as assets before they are used or consumed
21.
City National Bank (California)
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City National Bank is an American financial institution headquartered in the City National Plaza in Los Angeles, California. It is an owned subsidiary of the Royal Bank of Canada. The bank has assets of $35.6 billion. After the closure or merger of many Los Angeles banks, it has become the largest bank headquartered in the Greater Los Angeles Area. It also acts as a bank, providing back office services such as checking account processing. It has a relationship with many entertainment industry clients, and deals with many exclusive and premier clients from various media, including television, film, theater. Because of this, media reports have claimed that the bank is nicknamed bank to the stars and it is a national bank, regulated by the Office of the Comptroller of the Currency of the United States Department of the Treasury. The bank was founded in 1954 by Alfred S. Hart and he hired Benjamin N. Maltz as the first Chairman of the Board. Its offices were in Beverly Hills at 400 North Roxbury Drive, in 1963, when Frank Sinatras son was kidnapped, the bank put up the $240,000 demanded as ransom money. In 1970, its stock trading over the counter. In 2000, the bank expanded into Northern California in with the purchase of The Pacific Bank and it had also acquired The Pacific Bank in 2000 as well as Reed, Conner & Birdwell and the Peoples Bank of California in 2001. In 2002, City National opened an office in New York City to serve its California-based clientele who do business on both coasts, as well as clients in Manhattan. In that decade, it continued to acquire more banks, Convergent Capital Management, LLC, Business Bank of Nevada, Convergent Wealth Advisors, Lee Munder Capital Group and it then acquired two more banks in 2010, 1st Pacific Bank and Sun West Bank. In mid-2011, the opened a branch in Nashville, Tennessee. In 2012, it acquired Rochdale Investment Management and First American Equipment Finance, City National Bank was formerly known as City National Bank of Beverly Hills and changed its name to City National Bank in February 1964. On January 22,2015, City National announced an agreement to be acquired by the Royal Bank of Canada
22.
Bank number
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A bank number is a bank code used to identify a bank for electronic purposes in the United States. Bank numbers such as Bank Identifier Code, Bank Identification Number, the term is used in some deposit-slip instructions such as List checks separately by bank number. In the U. S. A. the first part stands for an area, in the first half of the 20th century the area was either a major city or one of the 50 United States of America. After about 1950 the area was a bank location. The old numbers were like 3-1, the new numbers were like 0310-0001 with hyphen now only implied, a ninth check digit was added to the end of the newer bank numbers. Since the 1950s a transitional form like 3-1/310 has also printed on checks. Some sample deposit slips say List checks singly with checks listed only by their amounts, the bank number is in the clearing-bank code at the bottom edge of the check. The code contains the check routing and funds availability and transit number, the first two numbers tell the reserve bank, the second two tell its branch and check-clearing information, the next four is the paying banks number, and the ninth digit is for error control. The numbers at the edge of the check were invented in the 1950s. The clearing-bank code is called the routing/transit number and is similar to the fractional routing/transit number also on the check. In the fraction, the identifier is part of the numerator. The checks bank is after the first hyphen in the numerator, often people write bank over fed bank on a deposit ticket next to the amount of the check. Others have used city hyphen bank, five to six digits, found in the numerator to list checks by bank on deposit slips, the institution identifier is 1 or above and is located in the numerical and fractional routing numbers on the check. The non-fractional code is in between transit characters - such as ⑆ - near the edge of the check. The second group of four digits in that number, which precede any parity-check digit, is the banks number, the other code, the fractional routing symbol, was on American checks before the use of MICR machines began in the 1950s. The fractional symbol is in the format, XX-XX/XXXX, from that fraction the nine-digit routing number was determined. The part of the fraction before the hyphen is not used in the 9-digit routing number, the fractions denominator, however, is and denotes in what branch of the federal reserve the bank saves its money. The bank numbers in the United States were originated by the American Bankers Association in 1911, banks had been disagreeing on identification
23.
Southeastern United States
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The Southeastern United States is the eastern portion of the Southern United States, and the southern portion of the Eastern United States. It comprises 15 states in the southern United States, there is no official Census Bureau definition of the southeastern United States. The OSBO uses the same states, but includes Arkansas and Louisiana, the most populous state in the region is Florida, followed by Georgia, and North Carolina. With tropical air masses influencing the region precipitation is high throughout the year, the tropical air masses do however cause significant hurricanes such as Hurricane Andrew and Hurricane Katrina wreaking havoc and causing significant damage to coastal areas. The winters highly vary depending on latitude and elevation, the Southeast has changed dramatically in the last two generations. Since 1980, there has been a boom in its economy, manufacturing base, high technology industries. Fortune 500 companies having headquarters in the region included 20 in Virginia,16 in Florida,15 in North Carolina and this economic expansion has enabled parts of the South to have of some of the lowest unemployment rates in the United States. In Alabama, there is a manufacturing project owned by the German steel megacorporation Thyssen-Krupp. The Cummings Research Park in the Huntsville, Alabama area is the second largest research complex in the nation, located in Huntsville is the Redstone Arsenal, United States Army Missile Command, the U. S. Space and Rocket Center, NASAs Marshall Space Flight Center and many key government, military. The National High Magnetic Field Laboratory in Tallahassee, Florida is the largest laboratory in the devoted to the study of magnetism. There are a number of universities, with several large research universities which exert influence beyond the region. These include the oldest public universities in the country, the University of Alabama, the region is home to the most historically black colleges and universities in the nation. The three largest in the region are North Carolina A&T University, Florida A&M University, and Jackson State University, on this list New Orleans Refers to the Orleans Parish Population. Therefore the population given is for the entire city excluding other incorporated places lying within the county limits, five Major League Baseball teams play in the Southeast, Washington Nationals, Miami Marlins, Atlanta Braves, Tampa Bay Rays and Baltimore Orioles. The Braves, Nationals and Marlins play in the NL East,4 Major League Lacrosse teams play in the southeast, Chesapeake Bayhawks, Florida Launch, Charlotte Hounds, and the Atlanta Blaze. Seven National Basketball Association teams play in the Southeast, Washington Wizards, Charlotte Hornets, Atlanta Hawks, Memphis Grizzlies, Miami Heat, Orlando Magic and New Orleans Pelicans. The Wizards, Heat, Hornets, Magic and Hawks are in the Eastern Conference, the Sugar Bowl, Orange Bowl, Peach Bowl, and Citrus Bowl are notable college football bowls held in Southeastern cities
24.
RBC Capital Markets
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RBC Capital Markets is a global investment bank providing services in banking, finance and capital markets to corporations, institutional investors, asset managers and governments globally. Locations span 70 offices in 15 countries across North America, the UK, Europe, employment estimates for RBC investment bankers are roughly 7,400 per company reports. Services provided include insights required to capital, access markets, mitigate risk. RBC Capital Markets is part of Royal Bank of Canada, operating since 1869, RBC is the fifth largest in North America, as measured by market capitalization. With a strong base and consistent financial performance, RBC is among a small group of highly rated global banks. Depending on the jurisdiction, the division uses different broker dealer subsidiaries of RBC, Canada, united States, RBC Capital Markets, LLC Europe, RBC Europe Limited Japan, RBC Capital Markets Ltd. Australia and Asia, Royal Bank of Canada RBC Capital Markets
25.
Place Ville Marie
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Place Ville Marie is a large office and shopping complex in central Montreal, Quebec, Canada, comprising four office buildings and an underground shopping plaza. A counter-clockwise rotating beacon on the lights up at night. From a postal point of view the tower is 1, Place Ville Marie. The buildings and the plaza have been given many facelifts over the years, in the latest facelift, much of the grey concrete and terrazzo of the plaza was covered with grass, flowers and shrubs. The complex has 3,384,000 sq ft of space, there are about 70 tenants with 3,000 employees. Via Rail has its headquarters in 3, Place Ville Marie, most of the building was thus built over the tracks, requiring the structure to be more resistant to vibrations than normally required. As a result, it is the most earthquake-resistant office tower in Montreal, developer William Zeckendorf offered the club the top floor of the Place Ville Marie tower in exchange for their property, but was turned down. Place Ville Marie was one of the first built projects of Henry N. Cobb and his design was controversial from the start, given its proximity to many Montreal landmarks and the vast changes it would bring to the downtown core. According to design historian Mark Pimlott, The most radical aspect of the Place Ville Marie project was that nearly one-half of its 280,000 square metres area were beneath street level, deriving the obvious benefit of being protected from Montréal’s extreme winter and summer climate. Its vast network and multi-purpose is juxtaposed with an interior with episodes of civic gravity and monumentality. At the time of construction, the tower was known as the tallest skyscraper in the Commonwealth. The equivalent of three floors was added late in the project to ensure that building would not be topped by the neighboring Tour CIBC which was built at the same time. The central plaza became an important new public space in downtown Montreal, developer William Zeckendorf founded Trizec Properties in order to build Place Ville Marie. He lost a bet to then Royal Bank President Earle McLaughlin, exactly what the bet concerned is unknown. In 1975 Air Canadas headquarters were at 1 Place Ville Marie, mayor Jean Drapeau chose the name himself. Ville-Marie was the name of the Catholic colony founded at what is now Montreal in 1642, on 12 March 1976 Canada Post issued Place Ville Marie and Notre-Dame Church designed by Jean Mercier & Pierre Mercieron. The $1 stamps are perforated 13.5 x 13 and were printed by British American Bank Note Company, the penthouse was home to the Restaurant Club Lounge Altitude 737 restaurant and nightclub, that opened onto a rooftop terrace. During the holiday season, a large artificial Christmas tree is installed in the central court, the plaza has a large fountain with programmed water jets and a big abstract sculpture at its centre, Feminine Landscape by Gerald Gladstone
26.
Royal Bank Plaza
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Royal Bank Plaza in Toronto, Ontario, Canada, is the de facto headquarters of the Royal Bank of Canada. The building shares with the Fairmont Royal York Hotel the block in Torontos financial district bordered by Bay, Front, York and it is owned by the real estate firm Oxford Properties, which also maintains its headquarters there. The South Tower, a skyscraper, is the taller of the two at 180 m, the North Tower has a height of 112 m, the structures each have a triangular footprint and sit on opposing corners of the square site. The exteriors of the structures are covered with gold-bronze glass with tan granite accents. Together, both contain more than 14,000 windows which project from the facade to form angular bays set into brushed aluminum frames. Six bays are grouped between piers which are covered in the same glass, the upper stories are recessed and contain three larger angled-bays between the piers. The double-height entry is recessed from the facade and covered in dark-tinted glass set into dark aluminum frames. The glass for the body of the building was manufactured by Canadian Pittsburgh Industries and was coloured using 2,500 oz of gold, the concourse merchants mall and tower lobbies underwent extensive renovations between 2005 and 2007. The building was constructed with a large atrium above the main banking hall that linked the two towers, but in the 1990s a trading floor was added, closing the open space, Oxford Properties Royal Bank of Canada Norton Rose Fulbright Vale S. A
27.
Royal Centre (Vancouver)
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Royal Centre is a skyscraper complex located at 1055 West Georgia Street in Downtown Vancouvers Financial District. The primary tenant of the complex is RBCs British Columbia headquarters, the tower, also known as RBC Tower or Royal Bank Tower, stands at 141 m and 37 storeys and was completed in 1973. The building is owned and managed by Brookfield Properties, a major North American commercial real estate company, there are two underground levels of retail stores in the Royal Centre complex. The complex has direct access to the Burrard SkyTrain station, list of tallest buildings in Vancouver Royal Centre website Emporis. com
28.
Vancouver
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Vancouver is a coastal seaport city in Canada, located in the Lower Mainland region of British Columbia. As the most populous city in the province, the 2016 census recorded 631,486 people in the city, the Greater Vancouver area had a population of 2,463,431 in 2016, making it the third largest metropolitan area in Canada. Vancouver has the highest population density in Canada with over 5,400 people per square kilometre. With over 250,000 residents, Vancouver municipality is the fourth most densely populated city in North America behind New York City, San Francisco, and Mexico City according to the 2011 census. In that census, Vancouver was one of the most ethnically and linguistically diverse cities in Canada, Vancouver is classed as a Beta global city. In 2014, following thirty years in California, the annual TED conference made Vancouver its indefinite home, several matches of the 2015 FIFA Womens World Cup were played in Vancouver, including the final at BC Place Stadium. From that first enterprise, other stores and some hotels quickly appeared along the waterfront to the west, Gastown became formally laid out as a registered townsite dubbed Granville, B. I. As of 2014, Port Metro Vancouver is the third largest port by tonnage in the Americas, 27th in the world, the busiest and largest in Canada, and the most diversified port in North America. While forestry remains its largest industry, Vancouver is well known as an urban centre surrounded by nature, archaeological records indicate the presence of Aboriginal people in the Vancouver area from 8,000 to 10,000 years ago. The city is located in the territories of the Squamish, Musqueam. They had villages in various parts of present-day Vancouver, such as Stanley Park, False Creek, Kitsilano, Point Grey, the city takes its name from George Vancouver, who explored the inner harbour of Burrard Inlet in 1792 and gave various places British names. The explorer and North West Company trader Simon Fraser and his became the first known Europeans to set foot on the site of the present-day city. In 1808, they travelled from the east down the Fraser River, perhaps as far as Point Grey. The Fraser Gold Rush of 1858 brought over 25,000 men, mainly from California, to nearby New Westminster on the Fraser River, on their way to the Fraser Canyon, a sawmill established at Moodyville in 1863, began the citys long relationship with logging. It was quickly followed by mills owned by Captain Edward Stamp on the shore of the inlet. This mill, known as the Hastings Mill, became the nucleus around which Vancouver formed, the mills central role in the city waned after the arrival of the Canadian Pacific Railway in the 1880s. It nevertheless remained important to the economy until it closed in the 1920s. The settlement which came to be called Gastown grew up quickly around the original makeshift tavern established by Gassy Jack Deighton in 1867 on the edge of the Hastings Mill property
29.
Ottawa
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Ottawa is the capital city of Canada. It stands on the bank of the Ottawa River in the eastern portion of southern Ontario. Ottawa borders Gatineau, Quebec, the two form the core of the Ottawa–Gatineau census metropolitan area and the National Capital Region. The 2016 census reported a population of 934,243, making it the fourth-largest city in Canada, the City of Ottawa reported that the city had an estimated population of 960,754 as of December 2015. Founded in 1826 as Bytown, and incorporated as Ottawa in 1855, the city name Ottawa was chosen in reference to the Ottawa River nearby, the name of which is derived from the Algonquin Odawa, meaning to trade. The city is the most educated in Canada, and is home to a number of post-secondary, research, and cultural institutions, including the National Arts Centre, Ottawa also has the highest standard of living in the nation and low unemployment. It ranked second out of 150 worldwide in the Numbeo quality of life index 2014–2015, with the draining of the Champlain Sea around ten thousand years ago the Ottawa Valley became habitable. The area was used for wild harvesting, hunting, fishing, trade, travel. The Ottawa river valley has archaeological sites with arrow heads, pottery, the area has three major rivers that meet, making it an important trade and travel area for thousands of years. The Algonquins called the Ottawa River Kichi Sibi or Kichissippi meaning Great River or Grand River, Étienne Brûlé, the first European to travel up the Ottawa River, passed by Ottawa in 1610 on his way to the Great Lakes. Three years later, Samuel de Champlain wrote about the waterfalls of the area and about his encounters with the Algonquins, the early explorers and traders were later followed by many missionaries. The first maps of the area used the word Ottawa to name the river, philemon Wright, a New Englander, created the first settlement in the area on 7 March 1800 on the north side of the river, across from Ottawa in Hull. He, with five other families and twenty-five labourers, set about to create a community called Wrightsville. Wright pioneered the Ottawa Valley timber trade by transporting timber by river from the Ottawa Valley to Quebec City, the following year, the town would soon be named after British military engineer Colonel John By who was responsible for the entire Rideau Waterway construction project. Colonel By set up military barracks on the site of todays Parliament Hill and he also laid out the streets of the town and created two distinct neighbourhoods named Upper Town west of the canal and Lower Town east of the canal. Similar to its Upper Canada and Lower Canada namesakes, historically Upper Town was predominantly English speaking and Protestant whereas Lower Town was predominantly French, Irish, bytowns population grew to 1,000 as the Rideau Canal was being completed in 1832. In 1855 Bytown was renamed Ottawa and incorporated as a city, William Pittman Lett was installed as the first city clerk guiding it through 36 years of development. On New Years Eve 1857, Queen Victoria, as a symbolic, in reality, Prime Minister John A. Macdonald had assigned this selection process to the Executive Branch of the Government, as previous attempts to arrive at a consensus had ended in deadlock
30.
The Maritimes
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The Maritimes, also called the Maritime provinces or the Canadian Maritimes, is a region of Eastern Canada consisting of three provinces, New Brunswick, Nova Scotia, and Prince Edward Island. The Maritimes had a population of 1,813,606 in 2016, the Maritimes, along with a fourth province – Canadas easternmost province, Newfoundland and Labrador – make up Atlantic Canada. Located along the Atlantic coast, various aquatic sub-basins are located in the Maritimes, such as the Gulf of Maine, the region is located northeast of New England, southeast of Quebecs Gaspé Peninsula, and southwest of the island of Newfoundland. All three provinces are entirely south of the southernmost extremity of Western Canada, and are the provinces of Canada without large. The Mikmaq, Maliseet and Passamaquoddy people are indigenous to the Maritimes, while Acadian, the word maritime is an adjective that simply means of the sea, thus any land associated with the sea can be considered a maritime state or province. Nonetheless, the term Maritimes has historically been applied to New Brunswick, Nova Scotia and Prince Edward Island. The Middle Period, starting 6,000 years ago, and this is also when what is called the Laurentian tradition started among Archaic Indians, existing First Nations peoples of the time. Evidence of Archaic Indian burial mounds and other ceremonial sites existing in the Saint John River valley has been uncovered, the primarily agrarian Maliseet Nation settled throughout the Saint John River and Allagash River valleys of present-day New Brunswick and Maine. The Passamaquoddy Nation inhabited the coastal regions of the present-day Bay of Fundy. The Maritimes were the area in Canada to be settled by Europeans. Both Giovanni Caboto and Giovanni da Verrazzano are reported to have sailed in or near Maritime waters during their voyages of discovery for England, several Portuguese explorers/cartographers have also documented various parts of the Maritimes, namely Diogo Homem. However, it was French explorer Jacques Cartier who made the first detailed reconnaissance of the region for a European power, and in so doing, claimed the region for the King of France. Champlain went on to fame as the founder of New Frances province of Canada which comprises much of the present-day lower St. Lawrence River valley in the province of Quebec. Most Acadian fishing activities were overshadowed by the comparatively enormous seasonal European fishing fleets based out of Newfoundland which took advantage of proximity to the Grand Banks. In 1613, Virginian raiders captured Port-Royal, and in 1621 Acadia was ceded to Scotlands Sir William Alexander who renamed it Nova Scotia. By 1632, Acadia was returned from Scotland to France under the Treaty of Saint-Germain-en-Laye, colonial administration by France throughout the history of Acadia was contemptuous at best. Frances priorities were in settling and strengthening its claim on New France and the exploration and settlement of interior North America, over 74 years there were six colonial wars, which involved continuous warfare between New England and Acadia. Throughout these wars, New England was allied with the Iroquois Confederacy, in the first war, King Williams War, natives from the Maritime region participated in numerous attacks with the French on the Acadia/ New England border in southern Maine
31.
Union Bank of Halifax
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The Union Bank of Halifax was granted a charter by the government of Canada in 1856 and established its head office at the corner of Hollis and Prince Streets in the port city of Halifax, Nova Scotia. The driving force behind the bank, and its first chairman, was Halifax businessman and former mayor, amongst the Bank’s other founders was John William Ritchie who served as director until 1866. In the nine years he was in charge, William Machin Stairs began an expansion of the bank that his successors continued. The Union Bank developed a regional branch network as well as offices in Trinidad. His son, William James Stairs served as president of the Bank from 1883 to 1898, by the turn of the century, Montreal, and to a lesser degree Toronto, were becoming the financial centres for all of Canada. The Union Banks executive at the failed to recognize the need for expansion into the growing national market. Within a few years, increased competition from much larger financial institutions meant a merger with another bank was essential for survival. Therefore, in 1910, the board of directors of the Union Bank of Halifax accepted an offer from the Royal Bank of Canada. The bank was known for the quality and fraternity of its employees, the noted financier Izaak Walton Killam began his business career in his hometown of Yarmouth, Nova Scotia as a junior clerk at the local branch of the Union Bank of Halifax. The former Union Bank Building in Winnipeg, Manitoba built in 1903 to 1904 is on the Registry of Historical Places of Canada, the Union Bank Building in Birtle, Manitoba, completed in 1902, is on the Registry of Historical Places of Canada
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Winnipeg
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Winnipeg is the capital and largest city of the province of Manitoba in Canada. It is located near the centre of North America and is 110 kilometres from the U. S. border. It is also the place of the confluence of the Red, the city is named after the nearby Lake Winnipeg, the name comes from the Western Cree words for muddy water. The region was a centre for aboriginal peoples long before the arrival of Europeans. French traders built the first fort on the site in 1738, a settlement was later founded by the Selkirk settlers of the Red River Colony in 1812, the nucleus of which was incorporated as the City of Winnipeg in 1873. As of 2011, Winnipeg is the seventh most populated municipality in Canada, being located very far inland, the local climate is extremely seasonal even by Canadian standards with average January lows of around −21 °C and average July highs of 26 °C. Known as the Gateway to the West, Winnipeg is a railway, Winnipeg was the first Canadian host of the Pan American Games. It is home to professional sports franchises, including the Winnipeg Blue Bombers, the Winnipeg Jets, Manitoba Moose. Winnipeg lies at the confluence of the Assiniboine and the Red River of the North and this point was at the crossroads of canoe routes travelled by First Nations before European contact. Winnipeg is named after nearby Lake Winnipeg, the name is a transcription of the Western Cree words for muddy or brackish water. Estimates of the date of first settlement in this area are varied, in 1805, Canadian colonists observed First Nations peoples engaged in farming activity along the Red River. The practice quickly expanded, driven by the demand by traders for provisions, the rivers provided an extensive transportation network linking northern First Peoples with those to the south along the Missouri and Mississippi rivers. The Ojibwe made some of the first maps on birch bark, sieur de La Vérendrye built the first fur trading post on the site in 1738, called Fort Rouge. French trading continued at this site for decades before the arrival of the British Hudsons Bay Company after France ceded the territory following its defeat in the Seven Years War. Many French and later British men who were trappers married First Nations women, their mixed-race children hunted, traded and they gradually developed as an ethnicity known as the Métis because of sharing a traditional culture. Lord Selkirk was involved with the first permanent settlement, the purchase of land from the Hudsons Bay Company, the North West Company built Fort Gibraltar in 1809, and the Hudsons Bay Company built Fort Douglas in 1812, both in the area of present-day Winnipeg. The two companies competed fiercely over trade, the Métis and Lord Selkirks settlers fought at the Battle of Seven Oaks in 1816. In 1821, the Hudsons Bay and North West Companies merged, Fort Gibraltar was renamed Fort Garry in 1822 and became the leading post in the region for the Hudsons Bay Company
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Manitoba
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Manitoba is a province at the longitudinal centre of Canada. It is one of the three provinces and Canadas fifth-most populous province with its estimated 1.3 million people. Manitoba covers 649,950 square kilometres with a varied landscape. Aboriginal peoples have inhabited what is now Manitoba for thousands of years, in the late 17th century, fur traders arrived in the area when it was part of Ruperts Land and owned by the Hudsons Bay Company. In 1869, negotiations for the creation of the province of Manitoba led to an uprising of the Métis people against the Government of Canada. The rebellions resolution led to the Parliament of Canada passing the Manitoba Act in 1870 that created the province, Manitobas capital and largest city, Winnipeg, is Canadas eighth-largest census metropolitan area. Winnipeg is the seat of government, home to the Legislative Assembly of Manitoba, four of the provinces five universities and all four of its professional sports teams are in Winnipeg. The name Manitoba is believed to be derived from the Cree, the name derives from Cree manitou-wapow or Ojibwa manidoobaa, both meaning straits of Manitou, the Great Spirit, a place referring to what are now called The Narrows in the centre of Lake Manitoba. It may also be from the Assiniboine for Lake of the Prairie, the lake was known to French explorers as Lac des Prairies. Thomas Spence chose the name to refer to a new republic he proposed for the south of the lake. Métis leader Louis Riel also chose the name, and it was accepted in Ottawa under the Manitoba Act of 1870 and it adjoins Hudson Bay to the northeast, and is the only prairie province to have a saltwater coastline. The Port of Churchill is Canadas only Arctic deep-water port and the shortest shipping route between North America and Asia, Lake Winnipeg is the tenth-largest freshwater lake in the world. Hudson Bay is the worlds second-largest bay, Manitoba is at the heart of the giant Hudson Bay watershed, once known as Ruperts Land. It was a area of the Hudsons Bay Company, with many rivers. The province has a saltwater coastline bordering Hudson Bay and more than 110,000 lakes, Manitobas major lakes are Lake Manitoba, Lake Winnipegosis, and Lake Winnipeg, the tenth-largest freshwater lake in the world. Some traditional Native lands and boreal forest on Lake Winnipegs east side are a proposed UNESCO World Heritage Site. Manitoba is at the centre of the Hudson Bay drainage basin, with a volume of the water draining into Lake Winnipeg. This basins rivers reach far west to the mountains, far south into the United States, major watercourses include the Red, Assiniboine, Nelson, Winnipeg, Hayes, Whiteshell and Churchill rivers
CA$40.66 billion (2017)
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