Investor Presentation
...and prudent risk management
31
Allowance for Credit Losses/Gross Loans 1,2
0.89%
0.51%
0.45%
2018
2019
2020
Loan Loss Ratio 2,3,4 (bps)
=4
34
29
25
25
26
29
23
2016
2017
2018
33
26
26
0.64%
0.61%
2021
Q1/22
61
16
11
6
4
2019
2020
2021
Q1/22
COVID-19 Pandemic
Impaired
Total
CIBC
1 Allowance for credit losses to gross carrying amount of loans. The gross carrying amount of loans include certain loans that are measured at FVTPL. 2 Results were affected by COVID-19 pandemic economic impacts.
3 Fiscal years 2016 and 2017 are under IAS 39. Effective November 1, 2017, we adopted IFRS 9. 4 The ratio is calculated as the provision for credit losses on loans to average loans and acceptances, net of allowance
for credit losses.
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