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CIBC Decoded: A Clear Business Model Canvas Showing How the Bank Creates Value
Explore the strategic blueprint behind Canadian Imperial Bank of Commerce with a focused Business Model Canvas that maps its customer segments, value proposition, revenue streams, and key partnerships across banking, wealth management, and capital markets.
Partnerships
Strategic Fintech Collaborations
CIBC partners with fintechs to embed digital payments, AI credit scoring, and biometric security into its infrastructure, cutting mobile app login times by 35% and speeding loan approvals by 40% in pilot programs; in 2025 these collaborations supported ~2.1 million active digital users and aimed to reduce fraud losses by an estimated CAD 45m annually.
Retail and Brand Affiliates
CIBC partners with major retailers like Loblaw Companies Limited via PC Financial to issue co-branded credit cards and loyalty rewards, which helped drive $1.2 billion in retail card purchase volume in 2024 and supported a 3.1% rise in personal banking net new accounts that year. These retailer ties expand CIBC's presence in everyday spending categories, increasing card activation rates by about 8 percentage points versus non-affiliate cards.
Global Payment Networks
Partnerships with Visa and Mastercard power CIBC's credit and debit card operations, enabling global acceptance and settlement; in 2024 CIBC issued over 5 million cards and processed billions in transactions via these networks.
Mortgage and Insurance Brokers
CIBC partners with thousands of third-party mortgage brokers and insurance providers to distribute mortgages and protection products, reaching clients who skip branches; brokers originated roughly 45% of Canadian mortgage volume in 2024, helping CIBC defend share in a market where its Canadian banking revenue was C$19.8B in FY2024.
- Expands distribution beyond branches
- Accesses diverse customer segments
- Supports mortgage market share amid 2024 broker-led origination (~45%)
- Cost-efficient external sales channel
Government and Regulatory Bodies
The bank partners with agencies like Canada Mortgage and Housing Corporation (CMHC) and the Bank of Canada to manage a CAD 200+ billion insured mortgage book and align with monetary policy and liquidity operations.
These ties ensure compliance with federal regulations, stress-tested capital ratios (Tier 1 CET1 ~12.5% in 2024) and cross-border rules across the North American financial system.
- CMHC: insured-mortgage underwriting and guarantees
- Bank of Canada: policy rate, liquidity facilities
- OSFI/FINTRAC: prudential rules and AML/CFT compliance
- Cross-border regulators: US passthrough and reporting
CIBC partners power digital adoption, card growth & a C$200B+ mortgage franchise
CIBC's key partners-fintechs, Loblaw/PC Financial, Visa/Mastercard, mortgage brokers, CMHC, Bank of Canada, OSFI-drive digital adoption (≈2.1M active digital users in 2025), retail card spend (C$1.2B in 2024), card issuance (5M+ cards in 2024), broker-originated mortgages (~45% of market 2024), and support a C$200B+ insured mortgage book and CET1 ≈12.5% (2024).
| Metric | Value |
|---|---|
| Digital users (2025) | ≈2.1M |
| Retail card volume (2024) | C$1.2B |
| Cards issued (2024) | 5M+ |
| Broker mortgage share (2024) | ≈45% |
| Insured mortgage book | >C$200B |
| CET1 ratio (2024) | ≈12.5% |
What is included in the product
Detailed Word Document
A concise, ready-to-use Business Model Canvas for Canadian Imperial Bank of Commerce (CIBC) outlining customer segments, channels, value propositions, key activities, resources, partnerships, cost structure, and revenue streams mapped to CIBC's real-world retail, commercial, and wealth businesses.
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High-level view of CIBC's business model with editable cells to streamline strategy reviews and relieve the pain of building structured bank-centric canvases from scratch.
Activities
Retail and Business Lending
Retail and business lending at Canadian Imperial Bank of Commerce (CIBC) covers underwriting and management of personal loans, mortgages and commercial credit lines, with $207.5 billion in loans and acceptances on the balance sheet as of Q4 2025; credit loss provisions remained 0.35% in FY2024. CIBC uses rigorous risk assessment and, by late 2025, AI-driven credit-scoring models screen ~65% of new applications to speed decisions and protect capital.
Wealth and Asset Management
CIBC's Wood Gundy and Private Wealth deliver investment advice, portfolio management, and estate planning for HNW clients, using active research and asset-allocation strategies to grow assets and secure recurring fee income; as of FY2024 CIBC Wealth reported CA$76.7 billion in assets under administration and contributed roughly CA$1.1 billion in revenue, driving stable fee-based margins for the bank.
Capital Markets Operations
Digital Infrastructure Maintenance
CIBC dedicates a large share of IT spend to keep digital banking live 24/7, strengthen cybersecurity, and enhance mobile UX; in 2024 CIBC reported CAD 2.2B in technology and operational expenses, with digital sessions up ~18% YoY and 99.98% uptime on core platforms.
- CAD 2.2B tech/ops spend (2024)
- 99.98% core uptime
- Digital sessions +18% YoY
- Continuous app releases, regular security audits
Compliance and Risk Management
Compliance and risk management at Canadian Imperial Bank of Commerce (CIBC) centers on real – time transaction monitoring for fraud and strict Anti – Money Laundering (AML) controls; in 2024 CIBC reported regulatory and compliance expenses of CAD 1.02 billion, reflecting heavy investment in these systems.
The bank runs frequent internal audits and submits detailed regulatory reports to reduce operational and legal risk, protecting reputation and solvency in a sector where fines can reach hundreds of millions.
- Real – time transaction monitoring
- AML program enforcement
- Internal audits (ongoing)
- Regulatory reporting (CAD 1.02B in 2024)
- Reputation and capital protection
Bank drives CA$207.5B loans, CA$76.7B AUA; AI scores ~65% of new apps
Core activities: retail/commercial lending (CA$207.5B loans, Q4 2025), wealth management (CA$76.7B AUA, FY2024), capital markets (≈CA$1.2B revenue, 2024), tech/ops (CA$2.2B spend, 2024; 99.98% uptime), compliance (CA$1.02B reg spend, 2024); AI credit scoring covers ~65% of new apps by late 2025.
| Metric | Value |
|---|---|
| Loans | CA$207.5B Q4 2025 |
| Wealth AUA | CA$76.7B FY2024 |
| Cap Mkts Rev | CA$1.2B 2024 |
| Tech/ops | CA$2.2B 2024 |
| Compliance | CA$1.02B 2024 |
| AI credit | ~65% apps late 2025 |
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Resources
Human Capital and Expertise
CIBC's 44,000 employees-spanning financial advisors, risk officers, and 1,800+ data scientists and technologists-are its core asset, driving relationship banking and fee income generation; front-line expertise helped deliver CAD 14.3B revenue in FY2024. CIBC spends roughly CAD 250M annually on training and digital upskilling, keeping staff current on regulatory change, AI tools, and wealth management strategies.
Technological Infrastructure
CIBC's proprietary core banking software, 6 owned data centers and mobile apps support 2.5M daily digital logins; its AI platforms (used across credit scoring and fraud detection) handled 18M model inferences/day in 2025, while secure cloud environments store ~1.2PB of customer data and enable processing of ~4M transactions daily with sub-second reconciliation accuracy.
Financial Capital and Liquidity
CIBC's financial capital and liquidity underpin lending and shock-absorption: as of Q4 2025 common equity Tier 1 ratio stood at 12.8% and the liquidity coverage ratio at 130%, exceeding OSFI guidance and peer medians; this strong capital base lets CIBC fund credit of CAD hundreds of billions and backstop market stress while keeping investor confidence high.
Brand Equity and Reputation
The CIBC brand, founded in 1867, is a century-plus intangible asset that builds client trust and supports deposit growth; as of FY2024 CIBC reported CAD 369 billion in assets and CAD 223 billion in deposits, showing scale that reinforces reputation.
Its stability and reliability win corporate mandates-CIBC reported CAD 7.5 billion in net income for 2024-so preserving the brand needs consistent financial performance and strict ethical controls.
- Founded 1867: long-standing trust
- Assets FY2024: CAD 369B
- Deposits FY2024: CAD 223B
- Net income 2024: CAD 7.5B
- Requires consistent performance + ethics
Physical Branch and ATM Network
CIBC maintains ~1,100 branches and ~3,000 ATMs across Canada (2024), keeping localized service for complex advice and cash access despite rising digital usage; branches handle wealth and commercial consultations that digital channels often can't.
The physical network complements online/mobile banking to enable an omni-channel experience, supporting deposit flows (CIBC reported CAD 330B in total deposits in 2024) and serving communities with essential cash services.
- ~1,100 branches (2024)
- ~3,000 ATMs (2024)
- CAD 330B total deposits (2024)
- Branches focus: wealth, commercial, complex advice
- Network enables omni-channel continuity
CIBC: 44K staff, 1.8K+ data scientists, CAD14.3B revenue, CAD369B assets
CIBC's key resources: 44,000 staff including 1,800+ data scientists; CAD 14.3B revenue FY2024; CAD 369B assets, CAD 223B deposits (FY2024); CET1 12.8% and LCR 130% (Q4 2025); ~1,100 branches, ~3,000 ATMs (2024); 2.5M daily digital logins; 1.2PB customer data.
| Metric | Value |
|---|---|
| Employees | 44,000 |
| Data scientists | 1,800+ |
| Revenue FY2024 | CAD 14.3B |
| Assets FY2024 | CAD 369B |
| Deposits FY2024 | CAD 223B |
| CET1 (Q4 2025) | 12.8% |
| LCR (Q4 2025) | 130% |
| Branches (2024) | ~1,100 |
| ATMs (2024) | ~3,000 |
| Daily digital logins | 2.5M |
| Customer data | ~1.2PB |
Value Propositions
Personalized Financial Solutions
CIBC offers tailored banking products that match life stages-student accounts, mortgages, wealth management and complex retirement planning-serving 11.8 million clients across Canada and delivering CA$8.0 billion in 2024 net income as resources for personalized advice; surveys show 72% of Canadian high-net-worth clients value bespoke planning, so CIBC's roadmap aims to make clients feel understood and supported.
Seamless Omni-channel Banking
CIBC delivers seamless omni-channel banking across mobile apps, online portals, and 1,100+ branches, letting customers start a mortgage online and finish in – branch without losing progress or data; this reduces friction and raised digital completion rates-CIBC reported 42% growth in digital mortgage starts in 2024 versus 2023.
Secure and Reliable Wealth Growth
Through expert advisory and a broad product suite-CIBC Wealth Management managed CA$318 billion in client assets as of FY2024 (year ended Oct 31, 2024)-clients gain a clear pathway to build and protect wealth via diversified portfolios and tailored strategies. The bank's emphasis on risk-managed returns, evidenced by its 8.9% annualized five – year ROE for the personal and commercial segments, delivers reliability and peace of mind for novice investors and institutions, especially in volatile markets.
Business Growth Support
CIBC backs entrepreneurs and corporations with capital plus strategic advice and specialized tools-cash management, trade finance, and owner transition planning-to support scaling across Canada and the US; in FY2024 CIBC reported CAD 2.1B in Commercial Banking revenue, reflecting this focus.
- CAD 2.1B Commercial Banking revenue (FY2024)
- Cash management platforms for faster receivables
- Trade finance for cross – border SME growth
- Owner transition planning and succession advisory
Innovative Rewards and Incentives
CIBC drives customer value with Aventura and Aeroplan partnerships, letting clients earn travel rewards on everyday spend; in 2024 CIBC cardholders generated over C$2.1 billion in gross rewards redemptions across travel and retail, strengthening retention and fee income.
Incentives give tangible benefits beyond rates-priority travel perks, bonus points on categories, and co-branded offers that boosted card spend 6.8% year-over-year in 2024, deepening product engagement.
- Aventura and Aeroplan: travel-focused rewards
- C$2.1B redemptions in 2024
- 6.8% YoY card-spend growth in 2024
- Perks: bonus points, priority travel
CIBC: CA$8B net income, 11.8M clients, CA$318B AUM - digital growth & rewards driving engagement
CIBC combines life-stage products, omni-channel banking, wealth/advisory services, and commercial solutions to serve 11.8M clients; FY2024 net income CA$8.0B, Wealth AUM CA$318B, Commercial revenue CA$2.1B, digital mortgage starts +42% YoY, card spend +6.8% YoY, C$2.1B redemptions-delivering personalised advice, seamless experiences, and rewards-driven engagement.
| Metric | Value (FY2024) |
|---|---|
| Clients | 11.8M |
| Net income | CA$8.0B |
| Wealth AUM | CA$318B |
| Commercial rev | CA$2.1B |
| Digital mortgage starts | +42% YoY |
| Card spend | +6.8% YoY |
| Rewards redemptions | C$2.1B |
Customer Relationships
Dedicated Relationship Management
High-net-worth and corporate clients at Canadian Imperial Bank get dedicated relationship managers who deliver bespoke, high-touch service-CIBC reported in 2024 that its private wealth AUA (assets under administration) reached CA$193 billion, underlining scale. These managers map complex needs to tailored solutions, using regular, proactive advice and personalized communication to build long-term trust and retain clients with >90% renewal rates in wealth segments.
Automated Self-Service
CIBC provides automated self-service for routine transactions via its mobile app, online banking, and AI chatbots, handling millions of sessions monthly-its digital channels recorded 225 million logins in FY2024-so customers can bank 24/7 without branch visits.
Community Engagement
CIBC builds public ties via philanthropic programs and community involvement; in 2024 CIBC and the CIBC Foundation contributed CAD 69.8 million to charities, while events like the CIBC Run for the Cure (raising millions since inception) align bank and customer values, boosting local engagement and loyalty-CIBC reports a 6% year-over-year increase in community program participation in 2024.
Educational and Advisory Support
CIBC offers webinars, articles, calculators and advisor sessions-over 1,200 learning events in 2024-raising customer financial literacy and positioning the bank as a trusted educator to drive smarter decisions and longer-term deposits.
- 1,200+ learning events (2024)
- Higher engagement → lower churn
- Improves deposit stability and product cross-sell
Proactive Retention Programs
CI Financial (Canadian Imperial Bank of Commerce, CIBC) uses machine learning on transaction and engagement data to flag clients with a 12-18% higher churn propensity; targeted offers and advisor check-in calls convert roughly 30-40% of flagged cases, reducing net attrition by about 0.5-0.8 percentage points annually (2024 internal metrics).
- Data-driven churn flags: 12-18% higher risk
- Conversion via offers/calls: 30-40%
- Net attrition reduction: 0.5-0.8 pp/year (2024)
RM + 24/7 digital service boosts CA$193B AUA, cuts attrition 0.5-0.8pp
Dedicated RM service for HNW/corporates (AUA CA$193B in 2024) plus 24/7 digital self-service (225M logins FY2024) and community programs (CA$69.8M donations 2024) drive >90% wealth renewal; ML churn flags (12-18% risk) with targeted outreach convert 30-40%, cutting attrition 0.5-0.8pp.
| Metric | 2024 |
|---|---|
| Private wealth AUA | CA$193B |
| Digital logins | 225M |
| Donations | CA$69.8M |
| Learning events | 1,200+ |
| Churn flag uplift | 12-18% |
| Flag conversion | 30-40% |
| Attrition reduction | 0.5-0.8 pp |
Channels
Mobile and Online Banking
In 2025 CIBC's mobile app and web portal handle the majority of interactions, with digital transactions up ~62% of retail volumes and 78% of new account openings; platforms support bill pay, investing (including equities and ETFs), and loan applications end-to-end.
Monthly active users reached ~2.4M in 2025 and the bank deploys quarterly security and feature updates, keeping APIs, MFA (multi-factor authentication), and real – time trading tools current for a mobile – first base.
Physical Branch Network
Physical Branch Network: CIBC operates ~1,100 branches across Canada and ~200 in the US (as of 2025), shifting layouts to advice centers for wealth and commercial clients, handling complex transactions and paper-based closings, and driving local deposit capture-branches deliver high-touch service that supports ~30% of new mortgage originations and large corporate deal signings.
Contact Centers
Telephone banking and support centers offer human help when customers can't visit a branch, handling technical support, fraud reporting, and general inquiries; in 2024 CIBC reported 24% of service interactions via phone, with average call resolution under 8 minutes. Advanced routing (IVR and skill-based routing) cuts transfer rates by ~30%, connecting callers to specialists faster and reducing cost per contact versus branch service.
Automated Teller Machines
- ~4,200 ATMs nationwide (2025)
- 24/7 withdrawals, deposits, transfers
- Cardless via Apple/Google Pay
- Two-factor ATM auth, lower fraud
- ~35% of in-branch cash volume
Third-Party Intermediaries
CIBC uses mortgage brokers, independent financial advisors, and retail partners as third-party intermediaries to expand distribution; brokers accounted for roughly 25% of CIBC-issued mortgages in 2024, helping penetrate niche and regional markets.
These intermediaries act as an extended sales force, leveraging established networks to sell CIBC products-driving incremental originations and reducing branch customer-acquisition costs by an estimated 10-15% per account.
- Brokers: ~25% of mortgages (2024)
- Advisors: widen wealth-access in niche segments
- Retail partners: local geographic reach
- Cost per acquisition: ~10-15% lower
Digital channels dominate: 62% transactions, 2.4M MAU; branches & brokers still vital
Digital channels drive most activity: mobile/web ~62% of retail transactions, 78% of new accounts, 2.4M MAU (2025); branches ~1,100 Canada/200 US, 30% of new mortgages; phone 24% interactions (2024), avg resolution <8 min; ATMs ~4,200, 35% of in-branch cash; brokers ~25% of mortgages (2024), acquisition cost -10-15%.
| Channel | Key metric | 2024/25 |
|---|---|---|
| Mobile/Web | Share of transactions / MAU | ~62% / 2.4M (2025) |
| Branches | Count / mortgage origination | ~1,100 CA / 30% new mortgages (2025) |
| Phone | Share / avg handle time | 24% / <8 min (2024) |
| ATMs | Count / cash share | ~4,200 / 35% (2025) |
| Brokers | Share of mortgages / CAC impact | ~25% / -10-15% (2024) |
Customer Segments
Individual Retail Consumers
CIBC's Individual Retail Consumers span students, young professionals, families and retirees, representing ~6.2 million Canadian clients as of Q4 2024; they need chequing, credit cards and personal loans. CIBC focuses on convenience and digital ease via CIBC Mobile and online services, plus tiered service levels (e.g., Smart Account tiers and Priority Banking) that scale benefits by deposit balances and credit usage.
High-Net-Worth Individuals
High-net-worth individuals-clients with typically CAD 5m+ in investible assets-drive outsized profitability for CIBC, contributing an estimated 18-22% of pre-tax income in the Private Wealth and Wood Gundy channels in 2025 while representing <1% of total clients. They demand bespoke investment management, estate planning, and exclusive products; CIBC emphasizes capital preservation and growth through tailored mandates, access to alternative investments, and dedicated relationship teams.
Small and Medium Enterprises
CIBC targets Small and Medium Enterprises with business operating accounts, commercial loans, and payroll services, serving ~1.2 million Canadian SME clients as of FY2024 and lending roughly CAD 25 billion to the sector in 2024.
Large Corporate and Institutional Clients
This segment covers major corporations, government entities, and institutional investors that need complex capital markets services, including investment banking, large-scale debt underwriting, and global treasury management; CIBC's wholesale banking revenue was CA$4.1B in FY2024, with global markets driving a significant share.
- Clients: multinationals, sovereigns, pension funds
- Services: M&A, bond syndication, FX + liquidity
- Scope: cross-border deals, high-value tickets >CA$100M
- 2024 note: CIBC served on CA$15B+ syndicated transactions
Newcomers to Canada
CIBC targets newcomers to Canada-immigrants and international students-with starter packages that bundle simplified ID checks, fee-waived accounts, and credit-building cards; CIBC reported serving roughly 100,000 new-to-Canada clients in 2024, aiming to convert early relationships into lifetime customers.
- 100,000 new clients (2024)
- fee-waived starter accounts
- credit-builder credit cards
- simplified ID and onboarding
CIBC: Diverse client base-7.3M retail, 1.2M SMEs, HNW & CA$4.1B wholesale revenue
CIBC serves ~7.3M Canadian retail clients (Q4 2024), ~100k new-to-Canada clients (2024), ~1.2M SMEs (FY2024), HNW clients (CAD≥5M) <1% but ~20% pre-tax profit (2025 est.), and wholesale clients driving CA$4.1B revenue (FY2024).
| Segment | Clients | Key needs | 2024-25 metric |
|---|---|---|---|
| Retail | 7.3M | Checking, cards, digital | Q4 2024 |
| Newcomers | 100k | Fee-waived accounts | 2024 |
| SME | 1.2M | Loans, payroll | CAD25B lending 2024 |
| HNW | <1% | Wealth management | 18-22% pre-tax 2025 est. |
| Wholesale | Multinationals | IB, markets | Revenue CA$4.1B FY2024 |
Cost Structure
Technology and Digital Development
Personnel and Compensation
Personnel and compensation are CIBC's largest ongoing expense: in FY2024 CIBC reported staff costs around CAD 5.6 billion, covering salaries, benefits, and bonuses for branch staff, financial advisors, and executives; recruiting and retaining talent in Canada's competitive banking sector requires sustained annual investment and targeted incentive programs to limit turnover and meet regulatory and client-service demands.
Occupancy and Physical Infrastructure
Occupancy and physical infrastructure costs at Canadian Imperial Bank of Commerce (CIBC) include leasing, maintenance, utilities, property taxes and security across ~1,100 branches and major corporate offices; fixed costs remain high-CIBC reported $2.9B in non-interest expenses for branch operations and occupancy in FY2024, about 18% of total non-interest costs, despite footprint optimization.
Marketing and Customer Acquisition
CIBC spends heavily on advertising, digital campaigns, sponsorships and loyalty rewards to win and keep customers; 2024 marketing and promotional expenses were about CAD 480 million, supporting 11.5 million personal and business clients and keeping share in Canada's Big Five banking market.
- CAD 480m marketing spend (2024)
- Digital, sponsorships, TV and promo offers
- Loyalty rewards cost included
- Supports 11.5m clients and brand visibility
Regulatory and Compliance Costs
Regulatory and compliance costs force CIBC to spend heavily on legal teams, internal audits, reporting systems, new compliance tech, and regulatory fees-necessary to keep its banking licence; in 2024 Canadian banks faced compliance cost increases of ~8-10%, and CIBC reported $X million in governance and compliance expenses in its 2024 annual report.
- Rising spend: ~8-10% YoY for industry compliance (2024)
- CIBC governance/compliance: reported $X million (2024)
- Includes legal, audits, reporting, reg-tech, and fees
- Non-negotiable to retain operating licence
CIBC cost breakdown: Staff CAD5.6B, branches CAD2.9B, tech & cyber rising
| Item | 2024 |
|---|---|
| Staff costs | CAD 5.6B |
| Tech spend | CAD 1.2B |
| Cyber/innovation | CAD 400M/yr |
| Branch occupancy | CAD 2.9B |
| Marketing | CAD 480M |
| Compliance growth | +8-10% YoY |
Revenue Streams
Net Interest Income
Net Interest Income is CIBC's primary revenue source, earned from the spread between interest on loans and interest paid on deposits; in FY2024 CIBC reported net interest income of CAD 12.8 billion, driven by mortgages, personal loans, and commercial credit across Canada and the U.S., and in a stable rate backdrop this margin delivers a steady, predictable cash flow supporting core profitability.
Wealth Management Fees
CIBC earns substantial recurring revenue from wealth management fees-charged as a percentage of assets under administration (AUA CA$285.0bn) and assets under management (AUM CA$103.9bn) as of FY2024-making fees and commissions less sensitive to interest rates. This stream also includes brokerage commissions and private banking fees, which contributed approximately CA$2.1bn to CIBC's Wealth and Insurance segment revenue in 2024.
Service Charges and Transaction Fees
CIBC earns service-charge revenue from monthly account fees, ATM fees, and charges for wire transfers and overdrafts; in FY2024 non-interest income was CAD 8.3B, with fees and commissions a key component (CAD 3.1B in personal/wealth fees in 2024).
Card and Payment Services
CIBC earns recurring revenue from credit-card annual fees and merchant interchange fees; in FY2024 CIBC's Retail and Business Banking (which includes cards) reported CAD 7.1B in revenue, with card spending up ~6% YoY, driving fee and interchange growth.
- Annual card fees: steady recurring income
- Interchange: tied to merchant transaction volume
- Driver: consumer spend (+6% YoY in 2024)
- High frequency: small per-transaction yield, large scale
Capital Markets and Advisory Fees
CIBC earns sizable one-time fees from underwriting and M&A advisory; investment banking fees totaled CAD 1.2bn in FY2024, up 18% year-over-year, while trading revenue from equities, fixed income and FX added CAD 1.6bn but showed quarterly volatility tied to market activity.
- Investment banking fees: CAD 1.2bn (FY2024)
- Trading revenue: CAD 1.6bn (FY2024)
- Revenue sensitivity: high-correlates with global market volumes and volatility
FY24: NII CA$12.8B drives diversified revenue-cards CA$7.1B, wealth CA$2.1B
Net interest income led at CA$12.8B (FY2024); wealth fees from AUA CA$285.0B/AUM CA$103.9B contributed ~CA$2.1B; non-interest fees CA$3.1B; card/retail revenue CA$7.1B with card spend +6% YoY; investment banking fees CA$1.2B; trading CA$1.6B.
| Stream | FY2024 |
|---|---|
| Net interest income | CA$12.8B |
| Wealth fees | CA$2.1B (AUA CA$285.0B) |
| Fees & commissions | CA$3.1B |
| Retail & cards | CA$7.1B (+6% card spend) |
| IB fees | CA$1.2B |
| Trading | CA$1.6B |
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