CIBC Investor Presentation
Financial Highlights: U.S. Commercial Banking and Wealth Management
Adjusted Net Income 1,2,3 (SB)
Adjusted Pre-Provision Pre-Tax Earnings 1,2 ($B)
$0.69
2019
54.7%
2019
$1.00
$0.85
$0.26
$0.44
$0.58
$0.43
$0.26
$0.15
$0.28
$0.23
$0.24
$0.08
$0.03
$0.18
$0.20
$0.23
$0.30
2020
2021
2019
2020
2021
Q1 Q2
Q3
Q4
Adjusted Efficiency Ratio 1,2 (%)
51.1%
2020
47.6%
Q2 2021
NIM 1,2 (%)
3.71%
3.51%
2019
3.35%
2020
Q2 2021
CIBC
EXPANDING CLIENT RELATIONSHIPS BY LEVERAGING CROSS-BORDER AND CROSS-BUSINESS CAPABILITIES
1 Adjusted results are non-GAAP measures. See non-GAAP section of CIBC's Q2/21 Report to Shareholders. 2019-2020 amounts have been restated since Q1/21. 2 F20 results were affected by economic impacts from COVID-19
pandemic ³ TEB = a non-GAAP financial measure representing gross up of tax-exempt revenue on certain securities to an equivalent before-tax basis to facilitate comparison of NII from both taxable and tax-exempt sources.
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