CIBC Q1 2019 Fixed Income Investor Presentation
Credit Review
Provision For Credit Losses (PCL)
1.00%
0.75%
0.50%
0.25%
PCL
-Loan loss ratio
0.00%
0
Q1/13 Q3/13 01/14 Q3/14 Q1/15 Q3/15 Q1/16
Q3/16 Q1/17 Q3/17 Q1/18 Q3/18 Q1/19
Fiscal Quarter
400
350
300
250
200
150
100
50
Provision for Impaired down QoQ
Overall credit quality remains strong
Higher provisions in Canadian
Commercial Banking and Capital Markets
Increase in performing provision due to
unfavourable changes in forward-looking
information
Reported
(SMM)
Q1/18 Q4/18 Q1/19
90+ Days Delinquency Rates
Canadian Personal and Small Business Banking
180
182
192
90+ Days Delinquency Rates
Residential Mortgages
Q1/18 Q4/18
Q1/19
0.23%
0.24%
0.27%
Canadian Commercial Banking and Wealth
4
8
48
U.S. Commercial Banking and Wealth
4
22
5
Capital Markets
Uninsured
Insured
0.19%
0.19%
0.21%
0.30%
0.34%
0.37%
2
2
42
Corporate and Other
12
45
8
Credit Cards
0.94%
0.80%
0.82%
Provision for Impaired
202
259
295
Personal Lending
0.30%
0.33%
0.34%
Provision for Performing
(49)
5
43
Canadian Personal Banking
0.28%
0.29%
0.31%
Total Provision for Credit Losses
153
264
338
Total Provision for Credit Losses - Adjusted¹
153
236
338
1. Adjusted results are Non-GAAP financial measures that do not have any standardized meaning prescribed by GAAP and are therefore unlikely to be comparable to similar measures
presented by other issuers.
CIBC Q1 2019 Fixed Income Investor Presentation
CIBC
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