Investor Presentation
Canadian Real Estate Secured Personal Lending
90+ Days Delinquency Rates
Q1/21
Q4/21
Q1/22
Total Mortgages
0.27%
0.17%
0.17%
The Greater Vancouver Area¹ (GVA) and Greater Toronto Area¹ (GTA) continue to
outperform the Canadian average
Uninsured Mortgages
0.24%
0.14%
0.13%
Uninsured Mortgages in GVA¹
0.14%
0.13%
0.11%
Uninsured Mortgages in GTA¹
0.17%
0.08%
0.07%
Uninsured Mortgages in Oil Provinces²
0.60%
0.47%
0.48%
Mortgage Balances ($B; principal)
243
248
218
HELOC Balances ($B; principal)
18.9
18.8
18.7
132
133
121
10.5
10.4
10.2
79
82
69
5.9
6.0
6.0
28
Q1/21
32
33
2.5
2.4
2.5
Q4/21
Q1/22
Q1/21
Q4/21
Q1/22
■ GVA 1
■GTA¹
■ Other Region
■ GVA¹
■GTA¹
■ 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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