Strategic Priorities & Financial Overview
Notes on slides 15-19
Slide 15 - Growing Digital Adoption and Engagement
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Canadian Personal Banking only, excluding Simplii Financial. Based on spot balances as at October 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 16 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 17 Highlights - Canadian Commercial Banking & Wealth Management
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Adjusted results are non-GAAP measures. See slide 38 for further details.
Pre-provision, pre-tax earnings is revenue net of non-interest expenses and is a non-GAAP measure. See slide 38 for further details.
Comprises loans and acceptances and notional amount of letters of credit. Loan amounts are stated before any related allowances.
4. Average balances are calculated as a weighted average of daily closing balances. Loan and deposit growth is calculated using average balances.
Assets under management (AUM) are included in assets under administration (AUA).
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For additional information on the composition, see the "Glossary" section on pages 101-107 in the 2023 Annual Report, available on SEDAR+ at www.sedarplus.ca.
Referrals represent funds managed related to existing Canadian Commercial and Wealth clients that have developed a new relationship within Canadian Wealth Management. Funds managed include loans (before any
related allowances), deposits and GICs, and investments. We believe that funds managed provide the reader with a better understanding of how management assesses the size of our total client relationships.
Slide 18 Highlights - U.S. Commercial Banking & Wealth Management
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Adjusted results are non-GAAP measures. See slide 38 for further details.
Pre-provision, pre-tax earnings is revenue net of non-interest expenses and is a non-GAAP measure. See slide 38 for further details.
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Loan amounts are stated before any related allowances or purchase accounting adjustments.
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Average balances are calculated as a weighted average of daily closing balances.
Assets under management (AUM) are included in assets under administration (AUA). Includes certain Canadian Commercial Banking and Wealth Management assets that U.S. Commercial Banking and Wealth Management
provides sub-advisory services for.
Metric refers to referrals made across lines of business (LOB) within the US Commercial and Wealth Management segment, as well as referrals made to the Capital Markets segment.
Net flows from new clients refers to any inflows (excluding reinvested dividends) related to a client within a 12-month period of client inception.
Slide 19 Highlights - Capital Markets & Direct Financial Services
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Adjusted results are non-GAAP measures. See slide 39 for further details.
2. Revenue is reported on a taxable equivalent basis (TEB). TEB adjustment in F23 was $254 million.
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Pre-provision, pre-tax earnings is revenue net of non-interest expenses and is a non-GAAP measure. See slide 38 for further details.
Loan amounts are before any related allowances or purchase accounting adjustments.
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Average balances are calculated as a weighted average of daily closing balances.
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Includes net client acquisition from Simplii Financial over the last twelve months (LTM) - Nov/22 to Oct/23.
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ASG refers to the Alternate Solutions Group within the Direct Financial Services business line.
CIBC
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