The lender’s outgoing CEO made the comments in a speech at Canadian Club Toronto on Monday as he prepares to hand the reins over to Harry Culham, who officially takes over on Nov. 1. (The Logic)

Talking Point: Dodig said the past decade may not have been Canada’s “finest hour.” He called for more access to capital for small and medium-sized enterprises, along with a national push for new nation-building projects. Dodig also stressed the importance of creating stronger financial incentives to help young Canadians save and invest. As CIBC rolled out its new U.S. digital banking app this morning, he emphasized that improving return on equity south of the border will remain a central pillar of the bank’s growth strategy under Culham’s leadership.