Fourth Quarter 2022 Financial Highlights
Our Digital Footprint
Growing Digital Adoption & Engagement¹
Digital Adoption Rate²
6.0%
Active Digital Banking Users³
(MM)
Active Digital Banking Users³
(Existing Personal Banking Clients vs. Co-brand)
39.8%
6.3
93%
82.8%
78%
76.8%
4.5
Q4/21
Digital Channel Usage
(# of Sessions, MM)
19.3%
Q4/22
Q4/21
Digital Transactions4
(MM)
12.7%
Q4/22
Existing Clients
New (Costco) Clients
Transactions by Channel4
7.1%
6.5%
61
51
301
252
16
16
92.9%
93.5%
55
61
Q4/21
Q4/22
Q4/21
Q4/22
■ e Transfers
■ Bill Payments
■ Other5
Q4/21
■Digital Channel
Q4/22
■Non-Digital Channel
Canadian Personal Banking only, excluding Simplii Financial. Based on spot balances as at October 31 for the respective periods.
Digital Adoption (Penetration) Rate represents the percentage share of Digital Registered Customers who have been engaged on CIBC Online Banking and/or CIBC Mobile Banking at least once in the last 90 calendar days out of all Canadian Personal Banking
customers engaged across any channel.
1
2
3
Active Digital Users represent the 90-day Active clients in Canadian Personal Banking.
4
Reflects financial transactions only.
5
Other includes transfers and eDeposits.
CIBC◇
Fourth Quarter, 2022
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