Canadian Personal Banking Digital Transformation
The majority of client accommodation to roll-off next quarter
Weekly Account Accommodations - Canadian Personal Banking
(000s)
20
20
61
79
43
ili
30
30
21
16
9 7 4
4
2
2 1
1
1 1 1 1 1
03/22
04/05 04/19 05/03 05/17
05/31
06/14
06/28
07/12
07/26
•
Payment Deferrals
•
New accommodation requests have decreased and stabilized this quarter
The majority of our exposure in the deferral program are in Mortgages (90%)
Nearly all credit card accommodations have been completed and have returned to
regular payments
Overall payment patterns observed are within expectation
Q2
Canadian Personal Banking
Balance ($B)
Q2
Accounts
(# 000s)
Q3
Balance ($B)
Q3
Accounts
(# 000s)
Current or ≤30d
past due at time
Additional Details
of request³
Mortgages
Credit Cards
Reactive
35.5
108
33.3
99
98%
Uninsured: Average FICO: 723; Average LTV: 58%
1.8
270
1
Average FICO: 665
0.8
75
1
98%
Average FICO: 692
Proactive
1.0
195
68%
Average FICO: 639
Other Personal Lending
2.3
70
0.8
23
99%
Average FICO: 694
Canadian Business Banking¹
8.6
6
2.4
3
99%
U.S. Region (US$)²
0.6
0.1
1.2
0.2
100%
CIBC
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 Based on total balances.
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