Q1 2020 Fixed Income Investor Presentation
CIBC Canadian Uninsured Residential Mortgages - Q1/20
Beacon Distribution
40%
42%41%
26%
26%
23%
13%12%13%
7% 6% 6%
Better current Beacon and LTV1 distributions
in GVA² and GTA² than the Canadian average
Less than 1% of this portfolio has a Beacon
score of 650 or lower and an LTV1 over 75%
Average LTV1 in Canada: 53%
17%.
14%
14%
.
GVA²: 47%
≤650
651-700
701-750
751-800
>800
Canada GVA ■GTA
Loan-to-value (LTV) Distribution
33%
29%
30%30%
29%
28%
23%
23%
16%
14%
12%
9%
11%
7% 6%
<30%
30 to <45%
45 to <60% 60 to ≤75%
■Canada GVA ■GTA
>75%
.
GTA²: 50%
1 LTV ratios for residential mortgages are calculated based on weighted average. See page 24 of the Q1 2020 Quarterly Report for further details.
2 GVA and GTA definitions based on regional mappings from Teranet.
CIBC Q1 2020 Fixed Income Investor Presentation
CIBC
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