Q1 2020 Fixed Income Investor Presentation
Credit Review
Provision For Credit Losses (PCL)
18
1.00%
PCL
-Loan loss ratio
400
Reported & Adjusted¹ ($MM)
Q1/19
Q4/19
Q1/20
350
Cdn. Personal & Small Business
208
255
215
0.75%
300
Impaired
192
218
192
250
Performing
16
37
23
Cdn. Commercial Banking & Wealth
43
80
35
0.50%
200
Impaired
48
71
34
150
Performing
(5)
9
1
0.25%
100
U.S. Commercial Banking & Wealth
16
17
15
Impaired
5
13
16
50
Performing
11
4
(1)
0.00%
Q1/13 Q3/13
Q1/14 Q3/14 Q1/15 Q3/15 Q1/16
Q3/16 Q1/17 Q3/17 Q1/18 Q3/18 Q1/19 Q3/19 Q1/20
Capital Markets
66
Fiscal Quarter
Impaired
42
90+ Days Delinquency Rates
Performing
24
422
45
(10)
24
(5)
21
(5)
Corporate & Other
5
LO
6
90+ Days
Q1/19 Q4/19 Q1/20
Delinquency Rates
Impaired
Performing
8
4
7
(3)
1
(1)
Canadian Residential Mortgages
0.27% 0.28% 0.30%
Total PCL
338
402
261
Uninsured
Insured
0.21% 0.22% 0.24%
0.37% 0.41% 0.43%
Impaired
Performing
295
330
244
43
72
17
Canadian Credit Cards
0.82% 0.76% 0.82%
Personal Lending
Total
0.34% 0.37% 0.37%
0.31% 0.33% 0.34%
(1) Adjusted results are Non-GAAP financial measures that do not have any standardized meaning prescribed by GAAP and are therefore unlikely to be comparable to similar measures
presented by other Canadian Banks.
(2) Source: CIBC Q1, 2020 Investor Presentation
CIBC Q1 2020 Fixed Income Investor Presentation
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