Canadian Banks Online, Canadian Imperial Bank of Commerce (CIBC)

Canadian Imperial Bank of Commerce (CIBC)

The largest merger of two chartered banks in Canadian history happened on June 1, 1961 - The Canadian Bank of Commerce (established 1867) and the Imperial Bank of Canada (established 1875) merged to form the Canadian Imperial Bank of Commerce (CIBC). Its history spans nearly two centuries and is full of adventure and enterprise.

Canadian Imperial Bank of Commerce (CIBC). Banking cibc online, cibc visa, bank cibc, chequing account

Products & Services:

Chequing Accounts
Interested in day-to-day banking? CIBC has accounts with competitive fees - and CIBC makes it simple to find the right one for you.
CIBC UnlimitedTM Chequing Account -This account is ideal if you want a chequing account with unlimited transactions, for a flat monthly fee.
CIBC EverydayTM Chequing Account-This chequing account offers value for your basic banking needs.

Borrowing & Credit
Reward yourself with a lifetime of experiences beyond your imagination with the CIBC AventuraTM Gold VISA* card.

Loans & Lines of Credit
Get the money you need. At one point or another, everyone needs to borrow. Whether it's for a new car, home renovations or a family vacation - borrowing money can help you achieve what's most important to you. From lines of credit to personal loans - CIBC will help you choose the solutions that best suit your needs


One of the first steps towards buying a home is applying for a mortgage pre-approval. That way, you can shop for your home with confidence - you'll know approximately how much you can afford and the mortgage interest rate will be secured for a certain period. Whether you want the peace of mind of a fixed rate mortgage, the flexibility of a variable rate mortgage or the advantage of lower initial monthly payments, CIBC has a mortgage that's right for you.

CIBC Securities Inc. - Mutual Funds
CIBC is one of Canada's largest mutual fund companies and a leader in the industry. CIBC offers a full range of savings, income and growth funds, as well as one of Canada's largest family of index funds. CIBC also offers professionally managed portfolios that are monitored and managed by leading investment professionals.

How to get the retirement you want. No matter what your plans may be, you probably know one thing for sure about your retirement - you want to enjoy it. CIBC has retirement planning and income options to help you achieve the retirement you want.
Retirement planning: RRSPs. To make your retirement everything you want it to be, you need a plan. CIBC has solutions designed to meet your investment needs and goals for your Registered Retirement Savings Plan (RRSP).







Low-Cost Housing in Barbados: Evolution or Social Revolution?
Book by University of the West Indies Press, 2001

Despite the existence of a well-developed academic discourse on the issue of self-help housing, relatively little attention has been paid to the importance of this type of shelter provision in the Caribbean. Indeed, few detailed empirical studies have been undertaken of housing in the Caribbean and the extent to which low-income households throughout the region capitalize upon their own 'sweat equity' in search of adequate shelter. The principal aim of this volume is to provide a detailed empirical examination of the low-income housing system in Barbados, focusing specifically on the relationship between the state and the poor. The book therefore provides an evaluation of the government's attempt to recognize the importance of self-help, upgrading and vernacular architecture in Barbados, and the first-ever empirical analysis of its Tenantries Programme which started in 1980. In assessing the island's formal housing market, the opportunities and constraints faced by low-income families in attempting to enter a system now characterized by a so-called benign state apparatus, and dominated by private sector institutions and external aid donors, are identified. As part of the work, a range of field-based approaches, social survey techniques and ethnographic methods was used to appraise housing conditions, upgrading and development on the tenantries. Cartographic and statistical modes of analysis were then employed, in order to analyse the results of first-hand surveys encompassing over 3,500 individual dwellings. In conclusion, the volume assesses the future of Barbadian housing, and the implications of the nation's period of IMF-imposed structural adjustment. It is argued that the need for continued government intervention in low-income housing is critical, and that the state's acceptance of the self-help tradition in providing homes for the poor is of paramount importance if it is to remain a truly viable actor in the Barbadian housing system. The authors would like to thank the Economic and Social Research Council (ESRC) of the United Kingdom, which funded the research. Justin Jacyno of the Department of Geography at Royal Holloway, University of London, assisted in the preparation of some of the computer-based cartographic work, whilst Dr John Coshall of the University of North London provided assistance with the multivariate statistical analysis.

In Barbados, a number of individuals and organizations were key agents in assisting the work. Firstly, the staff of the then Ministry of Housing and Lands provided invaluable help. Mr Allan Jones allowed Mark Watson to work within the ministry, whilst Mrs Margaret Talma provided unrivalled enthusiasm and knowledge of the Barbadian housing system. Thanks are due to Ms Patricia Barrow and Mr Rudy Headley for the advice they afforded. The ministry assisted Rob Potter in his studies of Barbadian housing carried out after 1987. We should also like to thank Vibert Best of the Housing Credit Fund for his time and interest in the research, along with other members of staff at the National Housing Corporation, who provided vital information during the period of fieldwork. Turning to the private sector, Brian Begg of Design Collaborative International, Stanton Gittens of Ideal Homes, Angela Archer of Spring Homes, Keith Codrington of Kentor Homes, and Richard Gill all provided invaluable insights into the island's housing system. Many thanks are also due to the staff of the United States Agency for International Development (USAID). Undoubtedly, most importantly, we should like to thank all those citizens of Barbados who, as owner-occupiers or tenants, whether on housing estates, private residential developments or tenantries, gave freely of their time in participating in the research, and tolerated our intrusions into their daily lives.

We were lucky enough to be able to visit Barbados again in April 1997 and to discuss changes in housing policy since the fieldwork was carried out and the manuscript prepared. We are particularly grateful to those at the Housing Division of the Ministry of Public Works, Transport and Housing for the time they gave us. It has therefore been possible to cover developments through to 1996-1997 in the form of a postscript following chapter 13. We are happy to record that some of the policies that we stated that we should like to see put into practice, based on valorizing the indigenous self-help system, are indeed being extended in the form of an urban renewal programme.

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