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City Internal Model / / Company Specific PCL / Best Overall Fund Group / Dexia / RBC Capital Markets / BlueBay / General Motors / ROYAL BANK OF CANADA / MBIA / Microsoft / General Growth Properties / / Continent Asia / North America / Europe / / Country Barbados / United States / Canada / United Kingdom / / Currency USD / GBP / / Event Reorganization / Conference Call / Business Partnership / Debt Financing / Dividend Issuance / M&A / / IndustryTerm positive cumulative accounting impact / daily banking transactions / private bank / investment banking businesses / investment banking results / investment banking component / retail businesses / surface technology / favourable accounting impact / investment bank / interactive advice-based applications / private banking services / investment banking revenues / us with increased product / mobile banking application / investment banking / / NaturalFeature Blue Bay / / Organization World Bank / UNITED STATES SECURITIES AND EXCHANGE COMMISSION / U.K. Government / BANK OF CANADA / / Person GORDON M. NIXON / JANICE FUKAKUSA / Gord / / Position financial advisor / CHIEF ADMINISTRATIVE OFFICER AND CHIEF FINANCIAL OFFICER Thanks Morten / bookrunner and lead manager of financing / speaker / Private / PRESIDENT & CEO / market leader / OFFICER / / ProvinceOrState Ontario / / Region Caribbean / Middle East / / Technology surface technology / smart phones / mobile banking / / SocialTag