Q2 2019 Fixed Income Investor Presentation
CIBC Canadian Uninsured Residential Mortgages
Beacon Distribution
42%41%
39%
27% 24%
,27%
13% 12% 13%
14% 16%
13%
7% 6% 6%
≤650
651-700
701-750
■Canada ■GVA² ■GTA²
751-800
>800
Loan-to-Value (LTV)1 Distribution
38%
.33%
29%30%
27%
27%
22%
21%
15%
9%
10%
13%
13%
9%
4%
<30%
30 to <45%
45 to <60% 60 to ≤75%
■Canada ■GVA² ■GTA²
>75%
Better current Beacon and LTV1
distributions in GVA² and GTA² than the
Canadian average
1% of this portfolio has a Beacon score of
650 or lower and an LTV1 over 75%
Average LTV1 in Canada: 54%
- GVA²: 45%
-
GTA²: 51%
1 LTV ratios for residential mortgages are calculated based on weighted average.
2 GVA and GTA definitions based on regional mappings from Teranet.
CIBC Q2 2019 Fixed Income Investor Presentation
CIBC
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