Financial Performance and ESG Strategy Update
Lending portfolio has a strong risk profile
Nearly two-thirds of our portfolio is consumer lending, composed mainly of
mortgages with uninsured having an average loan-to-value of 48%
The total variable rate mortgage portfolio with fixed payments accounts for 38% of
the Canadian mortgage portfolio
• The balance of our portfolio is in business and government lending with an average
risk rating equivalent¹ to a BBB
Overall Loan Mix (Outstanding Loans and Acceptances)
Consumer
62%
Cards 3%
Canadian Uninsured Mortgage Loan-To-Value² Ratios
54%
52%
50%
48%
49%
48%
48%
47%
47%
46%
45%
44%
Q4/19
Q4/20
Q4/21
3
3
-Canada
GVA
GTA
For footnoted information refer to slide 37.
CIBC
Q4/22
Real Estate
Secured Lending
55%
$529B
Personal Lending 3%
Auto Lending 1%
Commercial
Real Estate
10%
Retailers 1%
Oil & Gas 1%
Leisure &
Entertainment 1%
Other
Business &
Government
25%
Business &
Government
38%
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