Canadian House Prices and Banking Performance
Notes on slides 13-19
Slide 13...and prudent risk management
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All results are on a Reported basis and in Canadian dollars unless otherwise indicated.
Allowance for credit losses to gross carrying amount of loans. The gross carrying amount of loans include certain loans that are measured at fair value through profit or loss (FVTPL).
Provision for (reversal of) credit losses on impaired loans to average loans and acceptances, net of allowance for credit losses
Provision for (reversal of) credit losses to average loans and acceptances, net of allowance for credit losses.
Slide 14 - Lending portfolio has a strong risk profile
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Incorporates security pledged; equivalent to S&P/Moody's rating of BBB/Baa2.
LTV ratios for residential mortgages are calculated based on weighted average. See page 27 of the Q1/23 Report to Shareholders for further details.
GVA and GTA definitions based on regional mappings from Teranet
Slide 16Highlights - Canadian Personal & Business Banking
Pre-provision, pre-tax earnings is revenue net of non-interest expenses and is a non-GAAP measure. See slide 40 for further details.
Adjusted results are non-GAAP measures. See slide 40 for further details.
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Loan amounts are stated before any related allowances.
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Loan and deposit growth is calculated using average balances. Average balances are calculated as a weighted average of daily closing balances.
Reflects financial transactions only.
Slide 17 Growing digital adoption and engagement
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Canadian Personal Banking only, excluding Simplii Financial. Based on spot balances as at January 31 for the respective periods.
Digital Adoption (Penetration) Rate represents the percentage share of Digital Registered Customers who have been engaged on CIBC Online Banking and/or CIBC Mobile Banking at least once in the last 90 calendar
days out of all Canadian Personal Banking customers engaged across any channel.
Active Digital Users represent the 90-day Active clients in Canadian Personal Banking.
Reflects financial transactions only.
Other includes transfers and eDeposits.
Slide 18 - Loan & Deposit Highlights - Canadian Personal & Business Banking
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All figures represent average balances. Average balances are calculated as a weighted average of daily closing balances.
Loan amounts are stated before any related allowances.
Slide 19 Highlights - Canadian Commercial Banking & Wealth Management
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Adjusted results are non-GAAP measures. See slide 40 for further details.
Pre-provision, pre-tax earnings is revenue net of non-interest expenses and is a non-GAAP measure. See slide 40 for further details.
Comprises loans and acceptances and notional amount of letters of credit. Loan amounts are stated before any related allowances.
Assets under management (AUM) are included in assets under administration (AUA).
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Loan and deposit growth is calculated using average balances. Average balances are calculated as a weighted average of daily closing balances.
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Annual net flows are calculated based on net investmentsales from Private Wealth Management and include the impact of reinvested income.
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For additional information on the composition, see the "Glossary" section on pages 42-48 in the Q1/23 Report to Shareholders, available on SEDAR at www.sedar.com.
A referral is defined as a single opportunity received by one line of business, from another line of business. The opportunity could be for an existing client of the referring party, or a new client to the Bank.
CIBC
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