Investor Presentation
Flexible, Strong Balance Sheet and Prudent Risk Management
CIBC◇
Strong Capital Ratios (%)
Strong Credit Ratings
Agency
16.1
16.2
15.7
14.9
15.0
Moody's
11.4
11.6
12.1
12.4
12.2
S&P
Fitch
2018
2019
2020
2021
Q1/22
CET1 Ratio
Total Capital Ratio
DBRS
119
Liquidity Coverage Ratio (LCR) (%)
131
125
T
142
Q1/18
Q1/19
Q1/20
Q1/21
Rating1
Aa2 (Senior² A2), Stable
A+ (Senior², A-), Stable
AA (Senior², AA-), Stable
AA (Senior² AA(low)), Stable
PCL Ratio on Impaired (bps)
24
123
22
Q1/22
For the quarter ended January 31, 2022, our three-month daily average LCR was 123%
compared to 142% for the same period last year. The decrease was driven by improving
economic conditions and the return of our LCR to pre-pandemic levels.
11
10
10
Q1/21
Q2/21
Q3/21
Q4/21
Q1/22
1 Long-term senior debt ratings. 2 Subject to conversion under the bank recapitalization "bail-in" regime. 3 Regulatory disclosure of Liquidity Coverage Ratio was effective the first quarter after Jan/15.
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