Investor Presentation Fourth Quarter 2020
Canadian Uninsured Residential Mortgages
Beacon Distribution
12% 11% 11%
6% 5% 5%
≤650
25%
26%
22%
41%
43% 42%
Better current Beacon and LTV1 distributions in GVA² and
GTA² than the Canadian average
Less than 1% of this portfolio has a Beacon score of 650 or
lower and an LTV1 over 75%
Average LTV1 in Canada: 52%
19%
•
GVA²: 46%
16%
16%
•
GTA²: 48%
651-700
701-750
751-800
>800
■ Canada
■ GVA²
■GTA ²
Loan-to-value (LTV)1 Distribution
17%
14%
12%
CIBC
25%
35%
30%
27% 27% 28%
27%
23%
15%
9%
6%
5%
<30%
30 to <45%
45 to <60%
60 to ≤75%
>75%
■ Canada
■ GVA 2
■GTA²
2
1 LTV ratios for residential mortgages are calculated based on weighted average. See page 63 of the Annual Report for further details.
2 GVA and GTA definitions based on regional mappings from Teranet.
Fourth Quarter, 2020
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