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He spent his first 12 months as CEO hunkered down, slashing costs wherever he could. This year, Bharat Masrani finally came out of his shell.

During his first major public address, in December, 2014, Toronto-Dominion Bank's new chief executive officer warned that 2015 would be full of change. He wasn't exaggerating – the lender took two massive restructuring charges totalling $686-million last year, and they put employees on edge. Here was the so-called friendly bank acting a little ruthless. Story

DAILY DEALS

China returns to U.S. IPO market in a big way

ZTO Express Inc., the Chinese delivery service that gets about three-quarters of its business from Alibaba Group Holding Ltd., is following its top customer to the U.S. stock market with what is set to be the this year's biggest initial public offering. Story

IN CASE YOU MISSED IT

Deals could be on the rise as firms target oil-sands assets. Story

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