Strategic Priorities & Financial Overview
Lending portfolio has a strong risk profile
CIBC
62% of our portfolio is consumer lending, composed mainly of
mortgages, with uninsured having an average loan-to-value of 50%
• Total variable rate mortgage portfolio accounts for 32% of the
Canadian mortgage portfolio
•
Balance of portfolio is in business and government lending with an
average risk rating equivalent¹ to BBB
Overall Loan Mix (Net Outstanding Loans and Acceptances)
Consumer
62%
Mortgages
51%
HELOC 4%
Auto
Lending 1%
Personal
Lending 3%
Cards 3%
Canadian Uninsured Mortgage Loan-To-Value2 Ratios
52%
50%
49%
48%
48%
49%
47%
48%
46%
45%
44%
44%
Q4/20
Q4/21
Q4/22
Q4/23
3
3
Canada
GVA
GTA
For footnoted information refer to slide 35.
$540B
Other
Business &
Government
25%
Commercial
Real Estate
11%
Business &
Government
38%
Oil
Retailers 1%
& Gas 1%
12View entire presentation