Investor Presentation Fourth Quarter 2020
Digital Engagement and Adoption1
Digital Adoption Rate²
Active Digital Banking Users³
(MM)
6.8%
11.2%
4.2
74.4%
3.8
3.9
67.6%
68.9%
Digital Channel Usage
(# of Sessions, MM)
27.9%
229
191
179
46.5%
50.3%
55.8%
2.6
2.9
3.2
178
146
125
Q4/18
Q4/19
Q4/20
Q4/18
■ Mobile
Q4/19
Q4/20
Q4/18
■ Mobile
Digital Transactions4
Transactions by Channel4
(MM)
41.7%
109
8.0%
Q4/19
■ Mobile
Q4/20
Banking Centres
-2.6%
1,049
1,024
1,022
89
12.1%
10.6%
77
46
42
38
16
87.9%
89.4%
92.0%
15
15
47
32
24
Q4/18
Q4/19
■ eTransfers
■ Bill Payments
Q4/20
■ Other 5
Q4/18
Q4/19
■Digital Channel
Q4/20
■Non-Digital Channel
Q4/18
Q4/19
Q4/20
CIBC
1 Canadian Personal Banking excluding Simplii Financial.
2 Digital Adoption Rate calculated using 90-day active users.
3 Active Digital Users represent the 90-day Active clients in Canadian Personal Banking.
4 Reflect financial transactions only.
5 Other includes transfers and eDeposits.
Fourth Quarter, 2020
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