CIBC Investor Presentation
...and Prudent Risk Management
Allowance for Credit Losses/Gross Loans 1,2 (%)
0.56%
0.47%
0.45%
2016
2017
38
36
2018
Loan Loss Ratio 2,3,4 (bps)
â– Impaired Total
0.51%
0.89%
2019
2020
34
27
31
27
28
29
25 25
26
23
2014
2015
Oil & Gas Crisis
2016
2017
2018
33
33
26
46
CIBC
61
2019
2020
COVID-19 Pandemic
1 Allowance for credit losses to gross carrying amount of loans. The gross carrying amount of loans include certain loans that are measured at FVTPL. 2 F20 results were affected by COVID-19 pandemic economic
impacts. 3 Fiscal years 2011 to 2017 are under IAS 39. Effective November 1, 2017, we adopted IFRS 9. 4 The ratio is calculated as the provision for credit losses on impaired loans to average loans and acceptances,
net of allowance for credit losses.
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