Fourth Quarter 2022 Financial Highlights
Canadian Uninsured Residential Mortgages
FICO score and LTV distributions remain healthy
Less than 1% of this portfolio has a FICO score of 650 or lower and an LTV1 over 75%
FICO score Distribution
43%45%44%43%
26%
26% 27%
22%
11%10%10% 12%
16%
19%
16% 14%
4% 4% 4% 4%
≤650
651-700
701-750
751-800
>800
2
2
■Canada Total ■GVA ■GTA
■Canada Variable Rate
Loan-to-Value (LTV)1 Distribution
24%
28%
26% 26%
29%
28%
26% 27%
27%
20%
121%
18%
21%
20%
14%
15%
11%
7%
8%
4%
<30%
30 to <45%
45 to <60%
60 to ≤75%
>75%
2
2
■Canada Total ■GVA ■GTA ■Canada Variable Rate
1
LTV ratios for residential mortgages are calculated based on weighted average. See pages 66-67 of the 2022 Annual Report for further details.
2
GVA and GTA definitions based on regional mappings from Teranet.
CIBC◇
Fourth Quarter, 2022
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