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IFRS 7 Disclosure (Tables)
 6 Months Ended
Apr. 30, 2021
Text block [abstract]  
Summary of Exposure to Credit Risk
Exposure to credit risk
$ millions, as at  
2021
Apr. 30
   
2020
Oct. 31
 
Business and government portfolios – advanced internal ratings-based approach (AIRB)
          
Drawn
  
$
231,091
 
  $248,265 
Undrawn commitments
  
 
64,009
 
   59,379 
Repo-style transactions
  
 
221,772
 
   202,809 
Other
off-balance
sheet
  
 
78,971
 
   75,399 
OTC derivatives
  
 
17,521
 
   18,850 
Gross exposure at default (EAD) on business and government portfolios
  
 
613,364
 
   604,702 
Less: Collateral held for repo-style transactions
  
 
204,935
 
   187,832 
Net EAD on business and government portfolios
  
 
408,429
 
   416,870 
Retail portfolios – AIRB approach
          
Drawn
  
 
279,121
 
   265,097 
Undrawn commitments
  
 
92,093
 
   87,294 
Other
off-balance
sheet
  
 
335
 
   306 
Gross EAD on retail portfolios
  
 
371,549
 
   352,697 
Standardized portfolios
(1)
  
 
79,639
 
   79,350 
Securitization exposures – AIRB approach
  
 
10,396
 
   12,276 
Gross EAD
  
$
    1,074,948
 
  $    1,049,025 
Net EAD
  
$
870,013
 
  $861,193 
(1)
Includes $69.0 billion relating to business and government loans (October 31, 2020: $69.7 billion), $5.9 billion (October 31, 2020: $6.2 billion) relating to retail portfolios, and $4.8 billion (October 31, 2020: $3.5 billion) relating to securitization exposures. Our business and government loans under the standardized approach consist of $43.3 billion (October 31, 2020: $45.7 billion) to corporates, $24.1 billion (October 31, 2020: $22.7 billion) to sovereigns, and $1.6 billion (October 31, 2020: $1.3 billion) to banks.
Summary of Risk Measurement
The following table shows the rating profile of OTC derivative
mark-to-market
(MTM) receivables:
 
$ billions, as at
  
2021
Apr. 30
   
2020
Oct. 31 
(1)
 
    Exposure
(2)
 
Investment grade
  
$
8.67
 
  
 
77.0
 % 
  $7.45    74.8 % 
Non-investment
grade
  
 
2.48
 
  
 
22.0
 
   2.40    24.1 
Watch list
  
 
0.10
 
  
 
0.9
 
   0.10    1.0 
Default
  
 
0.01
 
  
 
0.1
 
   0.01    0.1 
   
$
    11.26
 
  
 
100.0
 % 
  $    9.96    100.0 % 
(1)
Restated from amounts previously presented.
(2)
MTM of OTC derivative contracts is after the impact of master netting agreements, but before any collateral.
Summary of Market Risks by Type of Risks
VaR by risk type – trading portfolio
                      
As at or for the three
months ended
     
As at or for the six
months ended
 
$ millions
             
2021
Apr. 30
      
2021
Jan. 31
      
2020
Apr. 30
     
2021
Apr. 30
  
2020
Apr. 30
 
   
High
  
Low
  
As at
  
Average
  As at  Average  As at  Average     
Average
  Average 
Interest rate risk
 
$
12.0
 
 
$
4.1
 
 
$
10.3
 
 
$
7.5
 
 $5.2  $6.6  $7.4  $5.3      
$
7.1
 
 $5.9 
Credit spread risk
 
 
11.8
 
 
 
6.1
 
 
 
9.4
 
 
 
8.9
 
  8.8   8.0   8.7   6.4      
 
8.5
 
  4.1 
Equity risk
 
 
5.3
 
 
 
3.0
 
 
 
3.3
 
 
 
3.7
 
  3.7   3.4   4.7   5.0      
 
3.5
 
  3.7 
Foreign exchange risk
 
 
1.7
 
 
 
0.7
 
 
 
1.1
 
 
 
1.2
 
  1.4   1.7   1.7   1.4      
 
1.4
 
  2.0 
Commodity risk
 
 
5.2
 
 
 
1.1
 
 
 
1.1
 
 
 
3.1
 
  3.2   3.1   7.9   2.6      
 
3.1
 
  2.8 
Debt specific risk
 
 
5.7
 
 
 
2.1
 
 
 
3.5
 
 
 
3.5
 
  4.1   3.2   2.5   2.2      
 
3.3
 
  2.1 
Diversification effect
(1)
 
 
n/m
 
 
 
n/m
 
 
 
(21.5
) 
 
 
(21.1
) 
  (19.4)   (18.2)   (19.8)   (11.0)      
 
(19.6
) 
  (11.7) 
Total VaR
(one-day
measure)
 
$
    10.0
 
 
$
    4.6
 
 
$
7.2
 
 
$
    6.8
 
 $    7.0  $    7.8  $    13.1  $    11.9      
$
    7.3
 
 $    8.9 
(1)
Total VaR is less than the sum of the VaR of the different market risk types due to risk offsets resulting from a portfolio diversification effect.
n/m
Not meaningful. It is not meaningful to compute a diversification effect because the high and low may occur on different days for different risk types.
Summary of Stressed Value at Risk by Trading Activities
Stressed VaR by risk type – trading portfolio
                      
As at or for the three
months ended
     
As at or for the six
months ended
 
$ millions
             
2021
Apr. 30
      
2021
Jan. 31
      
2020
Apr. 30
     
2021
Apr. 30
  
2020
Apr. 30
 
   
High
  
Low
  
As at
  
Average
  As at  Average  As at  Average     
Average
  Average 
Interest rate risk
 
$
39.8
 
 
$
13.6
 
 
$
31.3
 
 
$
23.7
 
 $25.7  $24.4  $18.2  $17.7      
$
24.0
 
 $22.7 
Credit spread risk
 
 
12.1
 
 
 
5.7
 
 
 
6.8
 
 
 
8.9
 
  10.2   9.8   9.2   10.1      
 
9.3
 
  10.1 
Equity risk
 
 
14.8
 
 
 
2.5
 
 
 
6.4
 
 
 
8.1
 
  13.6   8.9   3.7   7.2      
 
8.5
 
  4.7 
Foreign exchange risk
 
 
12.1
 
 
 
0.2
 
 
 
2.1
 
 
 
2.4
 
  15.7   10.7   11.8   6.7      
 
6.5
 
  8.9 
Commodity risk
 
 
11.1
 
 
 
1.5
 
 
 
2.6
 
 
 
3.1
 
  2.0   2.3   3.6   4.4      
 
2.7
 
  5.4 
Debt specific risk
 
 
6.8
 
 
 
4.1
 
 
 
5.5
 
 
 
5.2
 
  6.3   5.8   4.6   5.4      
 
5.5
 
  5.2 
Diversification effect
(1)
 
 
n/m
 
 
 
n/m
 
 
 
(27.5
) 
 
 
(25.2
) 
  (43.5)   (34.8)   (28.8)   (29.8)      
 
(29.9
) 
  (36.7) 
Stressed total VaR
(one-day
measure)
 
$
    40.0
 
 
$
    17.6
 
 
$
    27.2
 
 
$
    26.2
 
 $    30.0  $    27.1  $    22.3  $    21.7      
$
    26.6
 
 $    20.3 
(1)
Stressed total VaR is less than the sum of the VaR of the different market risk types due to risk offsets resulting from a portfolio diversification effect.
n/m
Not meaningful. It is not meaningful to compute a diversification effect because the high and low may occur on different days for different risk types.
Summary of Incremental Risk Charge by Trading Activities
Incremental risk charge – trading portfolio
                       
As at or for the three
months ended
     
As at or for the six
months ended
 
            
$ millions
             
2021
Apr. 30
      
2021
Jan. 31
      
2020
Apr. 30
     
2021
Apr. 30
  
2020
Apr. 30
 
   
High
  
Low
  
As at
  
Average
  As at  Average  As at  Average     
Average
  Average 
Default risk
 
$
208.8
 
 
$
113.5
 
 
$
152.3
 
 
$
144.2
 
 $130.5  $113.1  $128.9  $146.9      
$
128.9
 
 $152.2 
Migration risk
 
 
74.9
 
 
 
43.5
 
 
 
67.5
 
 
 
55.0
 
  50.5   59.1   79.7   82.3      
 
57.0
 
  76.3 
IRC
(one-year
measure)
(1)
 
$
    266.4
 
 
$
  164.3
 
 
$
    219.8
 
 
$
    199.2
 
 $    181.0  $    172.2  $    208.6      $229.2      
$
    185.9
 
 $    228.5 
(1)
High and low IRC are not equal to the sum of the constituent parts, because the highs and lows of the constituent parts may occur on different days.
Summary of Structural Interest Rate Sensitivity - Measures
Structural interest rate sensitivity – measures
 
$ millions
 
(pre-tax),
 
as at
       
2021
Apr. 30
        2021
Jan. 31		        2020
Apr. 30		 
    
CAD 
(1)
   
USD
   CAD 
(1)
   USD   CAD 
(1)
   USD 
100 basis point increase in interest rates
                              
Increase (decrease) in net interest income
  
$
     362
 
  
$
     77
 
  $      384   $      42   $      296   $        47 
Increase (decrease) in present value of shareholders’ equity
  
 
(608
)
 
  
 
(288
)
 
   (564)    (365)    (579)    (257) 
25 basis point decrease in interest rates
                              
Increase (decrease) in net interest income
  
 
(148
)
 
  
 
(50
)
 
   (122)    (66)    (92)    (70) 
Increase (decrease) in present value of shareholders’ equity
  
 
83
 
  
 
27
 
   77    40    107    (12) 
(1)
Includes CAD and other currency exposures.
Summary of Encumbered and Unencumbered Assets from On- and Off-Balance Sheet Sources
Encumbered and unencumbered liquid assets from
 
on-
 
and
 
off-balance
 
sheet sources are summarized as follows:
$ millions, as at
  Bank owned
liquid assets		   Securities received
as collateral		   Total liquid
assets		   Encumbered
liquid assets		  Unencumbered
liquid assets
 
(1)
 
2021
  
Cash and deposits with banks
  
$
47,197
 
  
$
–
 
  
$
47,197
 
  
$
283
 
 
$
46,914
 
Apr. 30
  
Securities issued or guaranteed by sovereigns, central banks, and multilateral development banks
  
 
109,774
 
  
 
99,748
 
  
 
209,522
 
  
 
126,679
 
 
 
82,843
 
   
Other debt securities
  
 
4,779
 
  
 
3,969
 
  
 
8,748
 
  
 
2,401
 
 
 
6,347
 
   
Equities
  
 
36,398
 
  
 
20,191
 
  
 
56,589
 
  
 
23,667
 
 
 
32,922
 
   
Canadian government guaranteed National Housing Act mortgage-backed securities
  
 
37,459
 
  
 
317
 
  
 
37,776
 
  
 
13,577
 
 
 
24,199
 
   
Other liquid assets
 (2)
  
 
14,409
 
  
 
3,164
 
  
 
17,573
 
  
 
8,013
 
 
 
9,560
 
      
$
250,016
 
  
$
127,389
 
  
$
377,405
 
  
$
174,620
 
 
$
202,785
 
2020
  Cash and deposits with banks  $62,518   $–   $62,518   $133  $62,385 
Oct. 31
  
Securities issued or guaranteed by sovereigns, central banks, and multilateral development banks
   112,403    92,202    204,605    108,425   96,180 
   Other debt securities   4,798    4,288    9,086    2,603   6,483 
   Equities   27,169    15,924    43,093    21,449   21,644 
   
Canadian government guaranteed National Housing Act mortgage-backed securities
   40,592    895    41,487    13,084   28,403 
   Other liquid assets
 (2)
   10,909    2,109    13,018    5,441   7,577 
      $    258,389   $    115,418   $    373,807   $    151,135  $    222,672 
(1)
Unencumbered liquid assets are defined as
 
on-balance
 
sheet assets, assets borrowed or purchased under resale agreements, and other
 
off-balance
 
sheet collateral received less encumbered liquid assets.
(2)
Includes cash pledged as collateral for derivatives transactions, select asset-backed securities and precious metals.
Summary of Contractual Maturity Profile of On-Balance Sheet Assets, Liabilities and Equity at their Carrying Values
The following table provides the contractual maturity profile of our
 
on-balance
 
sheet assets, liabilities and equity at their carrying values. Contractual analysis is not representative of CIBC’s liquidity risk exposure, however this information serves to inform CIBC’s management of liquidity risk, and provide input when modelling a behavioural balance sheet.
 
$ millions, as at April 30, 2021
 Less than
1 month		  
1–3
months
  
3–6
months
  
6–9
months
  9–12
months		  
1–2
years
  
2–5
years
  Over
5 years		  No
specified
maturity		  Total 
Assets
                                        
Cash and
 
non-interest-bearing
 
deposits with banks
 (1)
 
$
26,924
 
 
$
–
 
 
$
–
 
 
$
–
 
 
$
–
 
 
$
–
 
 
$
–
 
 
$
–
 
 
$
–
 
 
$
26,924
 
Interest-bearing deposits with banks
 
 
20,273
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
20,273
 
Securities
 
 
3,936
 
 
 
4,605
 
 
 
5,353
 
 
 
5,118
 
 
 
5,010
 
 
 
17,231
 
 
 
45,282
 
 
 
31,337
 
 
 
37,250
 
 
 
155,122
 
Cash collateral on securities borrowed
 
 
11,573
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
11,573
 
Securities purchased under resale agreements
 
 
33,633
 
 
 
18,345
 
 
 
6,273
 
 
 
2,191
 
 
 
2,652
 
 
 
12
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
63,106
 
Loans
                                        
Residential mortgages
 
 
1,825
 
 
 
4,714
 
 
 
11,214
 
 
 
10,898
 
 
 
9,583
 
 
 
46,977
 
 
 
141,895
 
 
 
7,641
 
 
 
–
 
 
 
234,747
 
Personal
 
 
1,171
 
 
 
832
 
 
 
1,112
 
 
 
1,051
 
 
 
1,251
 
 
 
500
 
 
 
3,498
 
 
 
3,874
 
 
 
29,082
 
 
 
42,371
 
Credit card
 
 
223
 
 
 
447
 
 
 
670
 
 
 
670
 
 
 
670
 
 
 
2,679
 
 
 
5,274
 
 
 
–
 
 
 
–
 
 
 
10,633
 
Business and government
 
 
18,864
 
 
 
6,566
 
 
 
5,682
 
 
 
6,230
 
 
 
8,696
 
 
 
24,331
 
 
 
41,967
 
 
 
15,999
 
 
 
8,232
 
 
 
136,567
 
Allowance for credit losses
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
(3,200
) 
 
 
(3,200
) 
Derivative instruments
 
 
2,078
 
 
 
4,225
 
 
 
3,603
 
 
 
3,902
 
 
 
1,636
 
 
 
4,355
 
 
 
7,313
 
 
 
8,201
 
 
 
–
 
 
 
35,313
 
Customers’ liability under acceptances
 
 
9,795
 
 
 
1,171
 
 
 
20
 
 
 
–
 
 
 
16
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
11,002
 
Other assets
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
38,447
 
 
 
38,447
 
 
 
$
130,295
 
 
$
40,905
 
 
$
33,927
 
 
$
30,060
 
 
$
29,514
 
 
$
96,085
 
 
$
245,229
 
 
$
67,052
 
 
$
109,811
 
 
$
782,878
 
October 31, 2020
 (2)
 $    141,033  $    32,738  $    41,413  $    32,267  $    28,499  $    101,338  $    224,276  $    69,248  $98,739  $769,551 
Liabilities
                                        
Deposits
 (3)
 
$
29,851
 
 
$
37,172
 
 
$
35,218
 
 
$
27,150
 
 
$
23,102
 
 
$
32,181
 
 
$
47,244
 
 
$
13,743
 
 
$
330,902
 
 
$
576,563
 
Obligations related to securities sold short
 
 
20,269
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
20,269
 
Cash collateral on securities lent
 
 
3,205
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
3,205
 
Obligations related to securities sold under repurchase agreements
 
 
47,141
 
 
 
14,725
 
 
 
1,285
 
 
 
407
 
 
 
2,217
 
 
 
345
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
66,120
 
Derivative instruments
 
 
3,271
 
 
 
4,834
 
 
 
4,342
 
 
 
3,168
 
 
 
1,574
 
 
 
2,951
 
 
 
6,182
 
 
 
7,799
 
 
 
–
 
 
 
34,121
 
Acceptances
 
 
9,864
 
 
 
1,171
 
 
 
20
 
 
 
–
 
 
 
16
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
11,071
 
Other liabilities
 
 
24
 
 
 
51
 
 
 
78
 
 
 
73
 
 
 
73
 
 
 
305
 
 
 
609
 
 
 
471
 
 
 
21,512
 
 
 
23,196
 
Subordinated indebtedness
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
5,653
 
 
 
–
 
 
 
5,653
 
Equity
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
42,680
 
 
 
42,680
 
 
 
$
113,625
 
 
$
57,953
 
 
$
40,943
 
 
$
30,798
 
 
$
26,982
 
 
$
35,782
 
 
$
54,035
 
 
$
27,666
 
 
$
395,094
 
 
$
782,878
 
October 31, 2020
 $98,552  $40,528  $58,834  $43,919  $26,555  $33,273  $58,938  $26,416  $    382,536  $    769,551 
(1)
Cash includes interest-bearing demand deposits with Bank of Canada.
(2)
Restated from amounts previously presented.
(3)
Comprises $207.0 billion (October 31, 2020: $202.2 billion) of personal deposits; $352.5 billion (October 31, 2020: $351.6 billion) of business and government deposits and secured borrowings; and $17.1 billion (October 31, 2020: $17.0 billion) of bank deposits.
Summary of Off-Balance Sheet Credit Related Commitments
The following table provides the contractual maturity of notional amounts of credit-related commitments. Since a significant portion of commitments are expected to expire without being drawn upon, the total of the contractual amounts is not representative of future liquidity requirements.
 
$ millions, as at April 30, 2021 Less than
1 month		  1–3
months		  3–6
months		  6–9
months		  9–12
months		  
1–2
years
  
2–5
years
  Over
5 years		  No
specified
maturity 
(1)
  Total 
Unutilized credit commitments
 
$
1,182
 
 
$
11,857
 
 
$
3,578
 
 
$
6,001
 
 
$
5,125
 
 
$
24,173
 
 
$
45,924
 
 
$
3,325
 
 
$
181,930
 
 
$
283,095
 
Securities lending
 (2)
 
 
40,200
 
 
 
3,919
 
 
 
4,977
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
49,096
 
Standby and performance letters of credit
 
 
2,782
 
 
 
2,606
 
 
 
2,500
 
 
 
3,030
 
 
 
2,578
 
 
 
575
 
 
 
667
 
 
 
66
 
 
 
–
 
 
 
14,804
 
Backstop liquidity facilities
 
 
369
 
 
 
136
 
 
 
672
 
 
 
10,071
 
 
 
241
 
 
 
181
 
 
 
36
 
 
 
–
 
 
 
–
 
 
 
11,706
 
Documentary and commercial letters of credit
 
 
46
 
 
 
83
 
 
 
34
 
 
 
14
 
 
 
3
 
 
 
5
 
 
 
9
 
 
 
–
 
 
 
–
 
 
 
194
 
Other
 
 
1,160
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
–
 
 
 
1,160
 
 
 
$
45,739
 
 
$
18,601
 
 
$
11,761
 
 
$
19,116
 
 
$
7,947
 
 
$
24,934
 
 
$
46,636
 
 
$
3,391
 
 
$
181,930
 
 
$
360,055
 
October 31, 2020
 $    39,474  $    24,451  $    11,188  $    8,798  $    6,427  $    20,638  $    51,245  $    1,714  $    173,157  $    337,092 
(1)
Includes $136.7 billion (October 31, 2020: $131.3 billion) of personal, home equity and credit card lines, which are unconditionally cancellable at our discretion.
(2)
Excludes securities lending of $3.2 billion (October 31, 2020: $1.8 billion) for cash because it is reported on the interim consolidated balance sheet.
Summary of Contractual Maturities of Other Contractual Obligations Affecting Our Funding Needs
The following table provides the contractual maturities of other contractual obligations affecting our funding needs:
 
$ millions, as at April 30, 2021  Less than
1 month		   1–3
months		   3–6
months		   6–9
months		   9–12
months		   
1–2
years
   2–5
years		   Over
5 years		   Total 
Purchase obligations
 (1)
  
$
90
 
  
$
251
 
  
$
181
 
  
$
156
 
  
$
118
 
  
$
428
 
  
$
423
 
  
$
318
 
  
$
1,965
 
Future lease commitments
  
 
–
 
  
 
1
 
  
 
7
 
  
 
10
 
  
 
11
 
  
 
52
 
  
 
92
 
  
 
1,316
 
  
 
1,489
 
Investment commitments
  
 
–
 
  
 
2
 
  
 
2
 
  
 
1
 
  
 
–
 
  
 
–
 
  
 
5
 
  
 
265
 
  
 
275
 
Underwriting commitments
  
 
210
 
  
 
–
 
  
 
–
 
  
 
–
 
  
 
–
 
  
 
–
 
  
 
–
 
  
 
–
 
  
 
210
 
Pension contributions
 (2)
  
 
135
 
  
 
–
 
  
 
–
 
  
 
–
 
  
 
–
 
  
 
–
 
  
 
–
 
  
 
–
 
  
 
135
 
   
$
435
 
  
$
254
 
  
$
190
 
  
$
167
 
  
$
129
 
  
$
480
 
  
$
520
 
  
$
1,899
 
  
$
4,074
 
October 31, 2020
  $    211   $    243   $    231   $    239   $    204   $    488   $    795   $    1,625   $    4,036 
(1)
Obligations that are legally binding agreements whereby we agree to purchase products or services with specific minimum or baseline quantities defined at fixed, minimum or variable prices over a specified period of time are defined as purchase obligations. Purchase obligations are included through to the termination date specified in the respective agreements, even if the contract is renewable. Many of the purchase agreements for goods and services include clauses that would allow us to cancel the agreement prior to expiration of the contract within a specific notice period. However, the amount above includes our obligations without regard to such termination clauses (unless actual notice of our intention to terminate the agreement has been communicated to the counterparty). The table excludes purchases of debt and equity instruments that settle within standard market time frames.
(2)
Includes estimated minimum funding contributions for our funded defined benefit pension plans in Canada, the U.S., the U.K., and the Caribbean. Estimated minimum funding contributions are included only for the next annual period ending October 31, 2021 as the minimum contributions are affected by various factors, such as market performance and regulatory requirements, and therefore are subject to significant variability.
Schedule of Loans Past Due But Not Impaired
$ millions, as at            
2021
Apr. 30
   2020
Oct. 31 
(1)
 
    
31 to
90 days
   
Over
90 days
   
Total
   Total 
Residential mortgages
  
$
    672
 
  
$
–
 
  
$
672
 
  $1,152 
Personal
  
 
159
 
  
 
–
 
  
 
159
 
   222 
Credit card
  
 
125
 
  
 
78
 
  
 
203
 
   321 
Business and government
  
 
301
 
  
 
–
 
  
 
301
 
   281 
 
  
$
1,257
 
  
$
    78
 
  
$
    1,335
 
  $    1,976 
(1)
Excludes loans past due less than 30 days as such loans are not indicative of an impairment in creditor ability to repay.