Third Quarter 2023 Financial Results Overview
Capital & Liquidity
Disciplined balance sheet management continues to support organic growth and prudent returns
Capital & Liquidity Position
•
CET1 ratio of 12.2%, up 30 bps QoQ, and above
current regulatory requirements; strong sequential
increase reflects:
•
Strong organic generation and share issuances
Excluding the impact of FX, risk-weighted assets
were stable due to disciplined resource allocation
Liquidity position continues to remain well above
minimum requirements
CET1 Ratio
$B
Q3/22
Q2/23
Q3/23
Average Loans and Acceptances¹
510.0
534.8
537.3
Average Deposits¹
CET1 Capital²
673.6
702.8
712.4
35.7
38.2
38.7
CET1 Ratio
11.8%
11.9%
12.2%
Risk-Weighted Assets (RWA)2
303.7
321.2
317.8
Leverage Ratio²
4.3%
4.2%
4.2%
Liquidity Coverage Ratio (average)²
123%
124%
131%
HQLA (average)2
167.7
177.3
182.3
Net Stable Funding Ratio²
117%
117%
117%
RWA ($B)
11.9%
17 bps
2 bps
12.2%
11 bps
321.2
(1.5)
1.3
317.8
(3.2)
Q2/23
Earnings Net
of Dividends
Share
Issuances
RWA Growth
Q3/23
Q2/23
Credit Risk
& Other
Market &
Operational Risk
FX
Q3/23
Endnotes are included on slides 46 to 51.
CIBC
Third Quarter, 2023
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