Household debt concerns put upward pressure on capital ratios
Increases in bankruptcy and debt restructurings reflect rising pressures, alongside normalizing numbers, TD reports
TD Private Wealth, Raymond James Montreal branch among firms with new appointments
Policy-makers must foster workforce participation, skills match
Amid growing challenges, Canadian banks still well positioned to absorb headwinds
Changes include two business banking leadership shifts
Longtime head Paul Douglas is stepping back from daily operations
Data from the bank's customers suggest strong Q4 retail sales
Lagging effects of higher rates to impact banks' bottom lines this year
TD expects inflation will fall next year but no consensus on whether BoC will hike rates further