Q3 2019 Fixed Income Investor Presentation
CIBC Canadian Real Estate Secured Personal Lending
90+ Days
Q3/18
Q2/19 Q3/19
Delinquency Rates
Total Mortgages
0.24%
0.27%
0.27%
Uninsured Mortgages
0.19%
0.21%
0.22%
Uninsured Mortgages in GVA¹
0.07%
0.12%
0.16%
Uninsured Mortgages in GTA¹
0.10%
0.11%
0.14%
Uninsured Mortgages in Oil
Provinces
0.51%
0.59%
0.58%
Mortgage Balances ($B; spot)
203
201
201
42
42
Delinquency rates remained flat in Q3/19
⚫ The Greater Vancouver Area1 (GVA) and Greater Toronto
Area (GTA) continue to outperform the Canadian
average
HELOC Balances ($B; spot)
22.0
21.8
21.6
112
111
111
12.4
12.2
12.1
63
63
63
6.8
6.8
6.7
28
27
27
2.8
2.8
2.8
Q3/18
Q2/19
Q3/19
Q3/18
Q2/19
Q3/19
■GVA¹ ■GTA¹ ■Other Region
1
GVA and GTA definitions based on regional mappings from Teranet.
CIBC Q3 2019 Fixed Income Investor Presentation
■GVA' ■GTA' Other Region
CIBCView entire presentation