Q3 2019 Fixed Income Investor Presentation
CIBC Canadian Uninsured Residential Mortgages
Beacon Distribution
39% 42% 40%
27%
23%26%
7% 6% 7%
13% 12% 13%
17%
14%
14%
≤650
651-700
701-750
751-800
>800
■Canada ■GVA² ■GTA²
Loan-to-value (LTV)1 Distribution
36%
28%
30%29%
.32%
27%
23%
22%
15%
15%
9%
11%
11%
7%
5%
<30%
30 to <45%
45 to <60%
60 to ≤75%
>75%
■Canada GVA² ■GTA²
2
2
1 LTV ratios for residential mortgages are calculated based on weighted average.
2 GVA and GTA definitions based on regional mappings from Teranet.
CIBC Q3 2019 Fixed Income Investor Presentation
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: 46%
GTA²: 50%
CIBC
44View entire presentation