Investor Presentation Fourth Quarter 2020
Canadian Real Estate Secured Personal Lending
90+ Days Delinquency Rates
Q4/19
Q3/20
Q4/20
Total Mortgages
0.28%
0.36%
0.29%
Uninsured Mortgages
0.22%
0.34%
0.28%
Uninsured Mortgages in GVA¹
0.15%
0.23%
0.21%
Uninsured Mortgages in GTA¹
0.13%
0.26%
0.16%
Uninsured Mortgages in Oil Provinces²
0.65%
0.80%
0.72%
Mortgage Balances ($B; spot)
202
212
207
112
115
118
The Greater Vancouver Area1 (GVA) and Greater Toronto Area1 (GTA) continue to
outperform the Canadian average
HELOC Balances ($B; spot)
21.2
19.5
19.5
11.9
10.9
10.9
63
65
67
6.6
6.1
6.1
27
27
27
2.7
2.5
2.5
Q4/19
Q3/20
Q4/20
Q4/19
Q3/20
Q4/20
1
1
1
1
■GVA
■GTA
■ 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.
Fourth Quarter, 2020
32View entire presentation