Financial Performance and ESG Strategy Update
Highlights - Canadian Personal and Business Banking
Strategic priorities accelerating growth
Enhancing Digital Client Experiences to drive
simplicity and speed
Reported
Adjusted²
($MM)
Revenue
F22
YOY
F22
YOY
8,909
9%
8,893
9%
☐
Net interest income
6,657
12%
6,641
12%
Non-interest income
2,252
3%
2,252
3%
Expenses
4,975
(13%)
4,854
(10%)
PPPT1
3,934
5%
4,039
8%
☑
Provision for Credit Losses
876 (150%)
782
(123%)
Net Income
2,249
(10%)
2,396
(4%)
Loans (Average³, $B)
302
12%
302
12%
Deposits (Average, $B)
204
9%
204
9%
Net Interest Margin on Average
221
0
221
0
Interest Earning Assets (NIM) 4 (bps)
F22 Key Highlights
Increasing Productivity with an effective frontline
team to win at client relationships
Differentiating with Personalized Advice
focused on the Affluent
12%/9%
Loan & Deposit Growth 3,5
Above market growth
+358K/38%7
Net New Clients / Affluent
Strongest YoY growth since 2017
2nd
for Client Experience
J.D. Power Client Satisfaction Survey
CIBC
For footnoted information refer to slide 37.
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