Canadian Personal Banking Digital Transformation
Canadian Real Estate Secured Personal Lending
90+ Days Delinquency Rates
Q3/19
Q2/20
Q3/20
Total Mortgages
0.27%
0.32%
0.36%
•
Uninsured Mortgages
0.22%
0.28%
0.34%
Uninsured Mortgages in GVA¹
0.16%
0.18%
0.23%
Uninsured Mortgages in GTA¹
0.14%
0.18%
0.26%
Uninsured Mortgages in Oil Provinces²
0.58%
0.64%
0.80%
Mortgage Balances ($B; spot)
201
204
207
•
Total mortgage delinquency rate was up due to COVID-19
The Greater Vancouver Area¹ (GVA) and Greater Toronto Area¹ (GTA) continue to
outperform the Canadian average
HELOC Balances ($B; spot)
21.6
20.3
19.5
111
113
115
12.1
11.4
10.9
63
64
65
6.7
6.3
6.1
27
27
27
2.8
2.6
2.5
Q3/19
Q2/20
Q3/20
Q3/19
Q2/20
Q3/20
■GVA¹
1
■GTA¹
1
1
■ Other Region
■ GVA
■ GTA
■ Other Region
CIBC
1 GVA and GTA definitions based on regional mappings from Teranet.
2 Alberta, Saskatchewan and Newfoundland and Labrador.
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