Investor Presentation Fourth Quarter 2020
Most accommodations are now complete
Weekly Account Accommodations - Canadian Personal Banking
(000s)
79
61
20
20
43
30
21
16
97442211111111111111110000
03/22 04/05 04/19 05/03 05/17 05/31 06/14 06/28 07/12 07/26 08/09 08/23 09/06 09/20 10/04 10/18 11/01
Payment Deferrals
•
•
New accommodation requests for Canadian Personal Banking down to
minimal levels
The majority of remaining mortgage balances run off in November and
December
Overall client patterns since returning from deferral are within expectations
Q2
Balance
Q2
($B)
Accounts
(# 000s)
Q3
Balance
($B)
Q3
Accounts
(# 000s)
Q4
Balance
($B)
Q4
Accounts
(# 000s)
Current³
Additional Details
as at Q4
Canadian Personal Banking
Mortgages
35.5
108
33.3
99
2.7
8
98%
Uninsured: Average FICO: 721; Average LTV: 55%
Credit Cards
1.8
270
1
Average FICO: 699
Reactive
0.8
75
1
94%
Average FICO: 707
Proactive
1.0
195
75%
Average FICO: 694
Other Personal Lending
2.3
70
0.8
23
23
0.3
8
95%
Average FICO: 700
Canadian Business Banking¹
8.6
6
2.4
3
0.5
1
99%
U.S. Region (US$)²
0.6
0.1
1.2
0.2
0.4
100%
CIBC
1 Includes Business Banking from the Canadian Personal & Business Banking, Canadian Commercial Banking & Wealth Management and Capital Markets segments.
2 Includes U.S. Commercial Banking & Wealth Management.
3 Includes clients that have exited deferral, and are current or <=30 days past due as at October 31st, including those who haven't reached their next payment due date, based on total balances.
4 Includes active and exited deferral accounts.
Fourth Quarter, 2020 21View entire presentation