Third Quarter 2023 Financial Results Overview
Credit Portfolio Breakdown
Lending Portfolio has a strong risk profile
•
•
.
Nearly two-thirds of our portfolio is consumer lending, composed
mainly of mortgages, with uninsured having an average loan-to-
value of 51%
Total variable rate mortgage portfolio accounts for 33% of the
Canadian mortgage portfolio
Balance of portfolio is in business and government lending with an
average risk rating equivalent¹ to BBB
Canadian Uninsured Mortgage Loan-To-Value² Ratios
Overall Loan Mix (Net Outstanding Loans and Acceptances)
Consumer
62%
Mortgages
51%
HELOC 4%
Auto
Lending 1%
Personal
Lending 3%
Cards 3%
52%
51%
48%
47%
50%
46%
45%
46%
42%
45%
44%
41%
Q3/20
Q3/21
Q3/22
Q3/23
3
3
-Canada
GVA
GTA
Endnotes are included on slides 46 to 51.
CIBC◇
Third Quarter, 2023
$538B
Oil
& Gas 1%
Other
Business &
Government
25%
Commercial
Real Estate
11%
Retailers 1%
Business &
Government
38%
37View entire presentation