CIBC Q1 2019 Fixed Income Investor Presentation
CIBC Canadian Real Estate Secured Personal Lending
11
41
90+ Days Delinquency Rates
Total Mortgages
Uninsured Mortgages
Uninsured Mortgages in GVA¹
Uninsured Mortgages in GTA¹
Uninsured Mortgages in Oil Provinces
Mortgage Balances ($B; spot)
Q1/18 Q4/18 Q1/19
0.23% 0.24% 0.27%
0.19% 0.19% 0.21%
0.07% 0.06% 0.10%
0.10% 0.08% 0.13%
0.48% 0.54% 0.54%
Delinquency rates increased in Q1/19
⚫ The Greater Vancouver Area¹ (GVA) and
Greater Toronto Area¹ (GTA) continue to
outperform the Canadian average
Oil provinces remain stable QoQ, but
have increased YoY
HELOC Balances ($B; spot)
203
202
201
21.6
22.1
21.8
63
63
63
6.6
6.9
6.7
28
28
27
2.7
2.8
2.8
112
111
111
12.3
12.4
12.3
Q1/18
Q4/18
Q1/19
Q1/18
Other Region ■GVA' ■GTA
Q4/18
Q1/19
Other Region ■GVA ■GTA¹
1
GVA and GTA definitions based on regional mappings from Teranet.
CIBC Q1 2019 Fixed Income Investor Presentation
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