CIBC Investor Presentation
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Weekly Account Accommodations - Canadian Personal Banking
(000s)
61
79
43
30
20
20
21
16
97442211111111111111110000
•
03/22 04/05 04/19 05/03 05/17 05/31 06/14 06/28 07/12 07/26 08/09 08/23 09/06 09/20 10/04 10/18 11/01
Payment Deferrals
New accommodation requests for Canadian Personal Banking down to
minimal levels
The majority of remaining mortgage balances run off in November and
December
Overall client patterns since returning from deferral are within expectations
CIBC
($B)
Q2
Q2
Q3
Q3
Balance Accounts| Balance Accounts
(# 000s) ($B) (# 000s)
Q4
Balance Accounts
($B) (# 000s)
Q4
Current³
Additional Details4
as at Q4
Canadian Personal Banking
Mortgages
35.5
108
33.3
99
2.7
98%
Uninsured: Average FICO: 721; Average LTV: 55%
Credit Cards
1.8
270
1
Average FICO: 699
Reactive
0.8
75
1
94%
Average FICO: 707
Proactive
1.0
195
75%
Average FICO: 694
Other Personal Lending
2.3
70
0.8
Canadian Business Banking¹
8.6
6
2.4
23
23
0.3
8
95%
Average FICO: 700
0.5
1
99%
U.S. Region (US$)²
0.6
0.1
1.2
0.2
0.4
100%
1 Includes Business Banking from the Canadian Personal & Business Banking, Canadian Commercial Banking & Wealth Management and Capital Markets segments.
2 Includes U.S. Commercial Banking & Wealth Management.
3 Includes clients that have exited deferral, and are current or <=30 days past due as at October 31st, including those who haven't reached their next payment due date, based on total balances.
4 Includes active and exited deferral accounts.
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