Q2 2023 Financial Results
Robust operational framework underpinning strength and stability of our bank...
The resilience of our bank is underpinned by a strong balance sheet, a sustainable funding profile,
and disciplined risk and capital management practices.
Resilient
capital base
Strong liquidity
position
Quality
deposit franchise
Prudent lending
standards
Solid capital generation
capabilities to withstand
market headwinds
Well-diversified, high-
quality, and client-
centric funding structure
Deep client relationships
and diversification across
industries
Proactively managed
portfolios with strong
risk profiles
CET1 ratio of 11.9%;
strong capital
generation; insignificant
net impact of
Basel III reforms
Average LCR² of
124%; well above the
minimum regulatory
requirement
of 100% by OSFI
Client deposits
comprise 55%
of total funding;
wholesale funding
constitutes ~20%
Allowance coverage
ratio³ of 0.66%;
above pre-pandemic
levels in response to
economic uncertainties
CIBC◇
For footnoted information refer to slide 37.
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