Third Quarter 2023 Financial Results Overview
Canadian Personal & Commercial Banking 1
Continued loan and deposit growth underlying the Canadian P&C business
Net Income ($MM)
Net Interest Margin on Average Interest Earning Assets (bps)³
(8)% YoY Reported
(12)% QoQ Reported
(9)% YoY Adjusted²
(10)% QoQ Adjusted²
985 1027
991 996
856 870
1027 1033
903 933
Reported: 252
Adjusted²: 251
Q3/22
Q4/22
Q1/23
Q2/23
Q3/23
■ Reported
■ Adjusted 2
Average Loans ($B)4,5
+4%
248
247
248
247
Q3/22
Q4/22
Q1/23
Reported NIM (bps)
Average Deposits ($B)4
+5%
257
257
Q2/23
--- Adjusted NIM (bps) 2
406
418
421
335
335
320
91
95
96
117
121
121
315
323
325
203
214
214
Q3/22
Endnotes are included on slides 46 to 51.
CIBC◇
Q2/23
Q3/23
■ Personal
■ Business
Third Quarter, 2023
Q3/22
Q2/23
Q3/23
■ Personal
■ Business
267
267
Q3/23
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