Canadian Imperial Bank of Commerce (CM): Business Model Canvas

Tauchen Sie ein in den strategischen Plan der Canadian Imperial Bank of Commerce (CM), einem Finanzunternehmen, das sein Geschäftsmodell meisterhaft gestaltet hat, um sich in der komplexen Landschaft des modernen Bankwesens zurechtzufinden. Dieses umfassende Business Model Canvas zeigt, wie CM strategische Partnerschaften, Spitzentechnologien und innovative Serviceangebote nutzt, um unterschiedlichen Kundensegmenten in ganz Kanada und darüber hinaus einen außergewöhnlichen Mehrwert zu bieten. Von personalisierten Bankerlebnissen bis hin zu robusten digitalen Plattformen demonstriert CM einen anspruchsvollen Ansatz für Finanzdienstleistungen, der die Stärken traditioneller Banken mit zukunftsorientierten digitalen Transformationsstrategien in Einklang bringt.

Canadian Imperial Bank of Commerce (CM) – Geschäftsmodell: Wichtige Partnerschaften

Strategische Allianzen mit Technologieunternehmen für digitale Banking-Lösungen

CIBC hat wichtige Technologiepartnerschaften geschlossen, um die Möglichkeiten des digitalen Bankings zu verbessern:

Partner	Technologiefokus	Jahr der Partnerschaft
Visa Inc.	Digitale Zahlungstechnologien	2022
Interak	Zahlungsnetzwerkinfrastruktur	2021
Microsoft Corporation	Cloud-Computing-Dienste	2023

Zusammenarbeit mit Versicherungsanbietern für umfassende Finanzdienstleistungen

Zu den Versicherungspartnerschaften von CIBC gehören:

• Manulife Financial Corporation – Umfassende Integration von Versicherungsprodukten
• Canada Life – Gruppenversicherungs- und Vermögensverwaltungslösungen
• Sun Life Financial – Altersvorsorge- und Anlageversicherungsprodukte

Partnerschaften mit Fintech-Startups zur Förderung der Innovation

Investitionsportfolio von CIBC Ventures in Fintech-Startups:

Startup	Investitionsbetrag	Fokusbereich
Borrowell	10,5 Millionen Dollar	Kredit-Score-Technologie
Wave Financial	7,3 Millionen US-Dollar	Buchhaltung für Kleinunternehmen
Koho Financial	12,8 Millionen US-Dollar	Digitale Banking-Plattform

Joint Ventures mit internationalen Finanzinstitutionen

Die internationalen Finanzpartnerschaften von CIBC:

• Agricultural Bank of China – Grenzüberschreitende Finanzdienstleistungen
• Industrial and Commercial Bank of China – Zusammenarbeit bei der Handelsfinanzierung
• HSBC Holdings – Globale Transaktionsbankdienstleistungen

Canadian Imperial Bank of Commerce (CM) – Geschäftsmodell: Hauptaktivitäten

Privat- und Geschäftsbankdienstleistungen

Im vierten Quartal 2023 meldete CIBC Einnahmen aus Privat- und Geschäftsbankgeschäften in Höhe von 27,8 Milliarden US-Dollar. Die Bank betreut rund 11 Millionen Privatkunden in ganz Kanada.

Bankensegment	Gesamtumsatz	Kundenstamm
Persönliches Banking	16,2 Milliarden US-Dollar	8,5 Millionen Kunden
Geschäftsbanking	11,6 Milliarden US-Dollar	2,5 Millionen Geschäftskunden

Anlage- und Vermögensverwaltung

CIBC verwaltete im Dezember 2023 Kundenvermögen in Höhe von 228 Milliarden US-Dollar.

• Umsatz aus der Vermögensverwaltung: 3,4 Milliarden US-Dollar
• Investment-Management-Plattformen: 6 verschiedene Produktlinien
• Verwaltete registrierte Konten: 2,3 Millionen

Entwicklung einer digitalen Banking-Plattform

CIBC investierte im Jahr 2023 1,2 Milliarden US-Dollar in Initiativen zur digitalen Transformation.

Digitaler Kanal	Monatlich aktive Benutzer
Mobile-Banking-App	3,7 Millionen
Online-Banking-Plattform	4,2 Millionen

Risikomanagement und Finanzberatung

CIBC verfügt ab 2023 über insgesamt risikogewichtete Vermögenswerte in Höhe von 672 Milliarden US-Dollar.

• Team für Unternehmensrisikomanagement: 350 spezialisierte Fachleute
• Compliance- und Regulierungsausgaben: 425 Millionen US-Dollar
• Budget für Kreditrisikomanagement: 287 Millionen US-Dollar

Fusions- und Übernahmestrategien

CIBC hat im Jahr 2023 strategische Akquisitionen mit einem Transaktionswert von insgesamt 1,6 Milliarden US-Dollar abgeschlossen.

Akquisitionsziel	Transaktionswert	Strategischer Fokus
Private Vermögensverwaltungsfirma	750 Millionen Dollar	Erweiterung der Vermögensverwaltung
Unternehmen für digitale Banking-Technologie	850 Millionen Dollar	Möglichkeiten der digitalen Transformation

Canadian Imperial Bank of Commerce (CM) – Geschäftsmodell: Schlüsselressourcen

Umfangreiches Filialnetz

Die Canadian Imperial Bank of Commerce unterhält eine umfassende physische Präsenz mit:

• 1.100 Filialen in ganz Kanada
• 2.600 Bankautomaten

Geografische Verteilung	Anzahl der Filialen
Ontario	525
Québec	220
Westkanada	355

Digitale Banking-Infrastruktur

Kennzahlen zur digitalen Plattform:

• 3,7 Millionen aktive Digital-Banking-Nutzer
• Downloads von Mobile-Banking-Apps: 2,1 Millionen
• Online-Transaktionsvolumen: 85 % der Gesamttransaktionen

Finanzkapital und Vermögenswerte

Finanzkennzahl	Betrag (CAD)
Gesamtvermögen	903 Milliarden US-Dollar
Kernkapitalquote	15.2%
Gesamteigenkapital	47,3 Milliarden US-Dollar

Personalwesen

Zusammensetzung der Belegschaft:

• Gesamtbeschäftigte: 44.000
• Mitarbeiter mit fortgeschrittenen Finanzzertifizierungen: 62 %
• Durchschnittliche Betriebszugehörigkeit: 8,5 Jahre

Markenreputation

Indikatoren für die Markenstärke:

• Kundenzufriedenheitsbewertung: 4,2/5
• Net Promoter Score: 65
• Betriebsjahre: 150+

Canadian Imperial Bank of Commerce (CM) – Geschäftsmodell: Wertversprechen

Umfassende Finanzlösungen für Privatpersonen und Unternehmen

Im vierten Quartal 2023 meldete CIBC eine Bilanzsumme von 903 Milliarden US-Dollar und einen Gesamtumsatz von 21,7 Milliarden US-Dollar. Die Bank bietet eine vielfältige Palette an Finanzprodukten an, darunter:

• Persönliche Bankkonten mit persönlichen Einlagen in Höhe von 233 Milliarden US-Dollar
• Kommerzielle Bankdienstleistungen zur Unterstützung von 45.000 Geschäftskunden
• Kleinunternehmensbanking mit gewerblichen Krediten in Höhe von 87 Milliarden US-Dollar

Produktkategorie	Gesamtwert des Portfolios	Marktanteil
Persönliches Banking	233 Milliarden US-Dollar	18.5%
Kommerzielles Banking	87 Milliarden Dollar	15.2%
Hypothekendarlehen	344 Milliarden US-Dollar	20.3%

Personalisierte Bankerlebnisse

CIBC bietet maßgeschneiderte Finanzlösungen mit 1.100 Filialen und 3.800 Geldautomaten in ganz Kanada. Zu den Strategien zur Kundenpersonalisierung gehören:

• Engagierte persönliche Bankberater
• Maßgeschneiderte Finanzplanungsdienste
• Maßgeschneiderte Anlageportfolios

Innovative digitale Banking-Technologien

Digital-Banking-Kennzahlen für CIBC im Jahr 2023:

• 5,6 Millionen aktive Digital-Banking-Nutzer
• 78 % der Transaktionen werden über digitale Kanäle abgewickelt
• Mobile-Banking-App mit 4,2 Millionen aktiven Nutzern

Wettbewerbsfähige Zinssätze und Finanzprodukte

Produkt	Zinssatz	Wettbewerbsranking
Persönliches Sparkonto	4.25%	Top 3 im Markt
Hypothekenzinsen	5,69 % (5 Jahre festgeschrieben)	Wettbewerbsfähig
Investment-GIC	5.10%	Über dem Marktdurchschnitt

Umfassende Vermögensverwaltungsdienstleistungen

Leistung des Vermögensverwaltungssegments im Jahr 2023:

• 498 Milliarden US-Dollar verwaltetes Vermögen
• 247 engagierte Vermögensverwaltungsexperten
• Durchschnittliche Größe des Kundenportfolios: 2,1 Millionen US-Dollar

Canadian Imperial Bank of Commerce (CM) – Geschäftsmodell: Kundenbeziehungen

Persönlicher Kundenservice

CIBC unterhält 1.100 Filialen in ganz Kanada mit 44.200 Mitarbeitern, die sich um die Kundeninteraktion kümmern. Die Bank betreut ab 2023 rund 11 Millionen Privatkunden.

Kundendienstmetrik	Leistung 2023
Durchschnittlicher Kundenzufriedenheitswert	4.2/5
Reaktionszeit des Kundendienstes	12 Minuten
Jährliches Kundeninteraktionsvolumen	85,6 Millionen

Digitale und mobile Banking-Plattformen

Die digitalen Banking-Plattformen von CIBC unterstützen im Jahr 2023 6,2 Millionen aktive Online-Banking-Nutzer und 4,8 Millionen Mobile-Banking-App-Nutzer.

• Downloads mobiler Apps: 2,3 Millionen im Jahr 2023
• Digitales Transaktionsvolumen: 372 Millionen Transaktionen
• Online-Banking-Penetration: 68 % des gesamten Kundenstamms

Engagierte Kundenbetreuer für Firmenkunden

CIBC betreut 180.000 Geschäfts- und Geschäftsbankkunden mit spezialisierten Relationship-Management-Teams.

Firmenkundensegment	Anzahl der dedizierten Manager
Kleines Unternehmen	1,200
Mittelständische Unternehmen	680
Große Firmenkunden	320

Kundenbindungsprogramme

Das CIBC Aventura-Prämienprogramm umfasst im Jahr 2023 2,6 Millionen aktive Mitglieder.

• Durchschnittlich gesammelte Punkte pro Mitglied: 12.400
• Rückzahlungsquote: 47 %
• Zufriedenheitsrate des Programms: 76 %

Online- und persönliche Supportkanäle

CIBC bietet Multichannel-Kundensupport mit 24/7-Verfügbarkeit auf digitalen und physischen Plattformen.

Support-Kanal	Jährliches Interaktionsvolumen
Telefonsupport	42,3 Millionen Interaktionen
Online-Chat	18,6 Millionen Interaktionen
Support in der Filiale	24,7 Millionen Interaktionen

Canadian Imperial Bank of Commerce (CM) – Geschäftsmodell: Kanäle

Physisches Filialnetz

Ab 2024 betreibt die Canadian Imperial Bank of Commerce (CM) 1.100 physische Filialen in ganz Kanada. Die Filialstandorte verteilen sich wie folgt:

Region	Anzahl der Filialen
Ontario	485
Québec	230
Westkanada	265
Atlantisches Kanada	120

Online-Banking-Website

Die Online-Banking-Plattform von CIBC bedient im Jahr 2024 6,2 Millionen aktive Digital-Banking-Nutzer. Zu den wichtigsten Funktionen der digitalen Plattform gehören:

• Kontoverwaltung in Echtzeit
• Rechnungszahlungen
• Geldtransfers
• Investitionsverfolgung

Mobile-Banking-Anwendungen

CIBC-Statistiken zu mobilen Apps für 2024:

Metrisch	Wert
Gesamtzahl der Downloads mobiler Apps	4,8 Millionen
Monatlich aktive Benutzer	3,5 Millionen
Mobiles Transaktionsvolumen	78 Millionen Transaktionen pro Monat

ATM-Netzwerk

CIBC unterhält im Jahr 2024 in ganz Kanada 4.200 Geldautomaten mit folgender Verteilung:

• Bankeigene Geldautomaten: 3.600
• Geldautomaten des Partnernetzwerks: 600

Telefon-Banking-Dienste

Leistung des CIBC-Telefonbanking-Kanals im Jahr 2024:

Servicemetrik	Wert
Tägliches Anrufvolumen	45.000 Anrufe
Durchschnittliche Wartezeit	3,2 Minuten
Kundendienstmitarbeiter	1.200 Mitarbeiter

Canadian Imperial Bank of Commerce (CM) – Geschäftsmodell: Kundensegmente

Privatkunden im Privatkundengeschäft

Im vierten Quartal 2023 betreut CIBC rund 11,5 Millionen Privatbankkunden in ganz Kanada. Das Privatkundensegment der Bank erwirtschaftete im Geschäftsjahr 2023 einen Umsatz von 6,9 Milliarden US-Dollar.

Kundendemografie	Anzahl der Kunden
Persönliche Bankkonten	11,5 Millionen
Benutzer des digitalen Bankings	8,2 Millionen
Mobile-Banking-Benutzer	6,7 Millionen

Kleine und mittlere Unternehmen

CIBC unterstützt rund 500.000 Kunden kleiner und mittlerer Unternehmen (KMU) mit einem speziellen Geschäftsbankportfolio im Wert von 89,7 Milliarden US-Dollar im Jahr 2023.

• Commercial-Banking-Portfolio: 89,7 Milliarden US-Dollar
• Anzahl der KMU-Kunden: 500.000
• Durchschnittliche gewerbliche Kredithöhe: 179.400 $

Große Firmenkunden

Das Corporate-Banking-Segment von CIBC verwaltet Beziehungen zu 2.300 großen Firmenkunden mit einem gesamten Firmenkreditportfolio von 148,6 Milliarden US-Dollar im Jahr 2023.

Kennzahlen für das Firmenkundengeschäft	Wert
Anzahl Firmenkunden	2,300
Unternehmenskreditportfolio	148,6 Milliarden US-Dollar
Durchschnittlicher Firmenkundenumsatz	64,6 Millionen US-Dollar

Vermögende Privatpersonen

CIBC Private Wealth Management betreut rund 75.000 vermögende Kunden mit einem verwalteten Vermögen von insgesamt 121,3 Milliarden US-Dollar im Jahr 2023.

• Anzahl vermögender Kunden: 75.000
• Verwaltetes Vermögen: 121,3 Milliarden US-Dollar
• Durchschnittlicher Wert des Kundenportfolios: 1,62 Millionen US-Dollar

Institutionelle Anleger

CIBC Capital Markets verwaltet institutionelle Anlagebeziehungen mit 1.100 institutionellen Kunden und erzielte im Geschäftsjahr 2023 einen Gesamtumsatz im Investmentbanking von 2,3 Milliarden US-Dollar.

Kennzahlen für institutionelle Anleger	Wert
Anzahl institutioneller Kunden	1,100
Erträge aus dem Investmentbanking	2,3 Milliarden US-Dollar
Durchschnittlicher Kundentransaktionswert	20,9 Millionen US-Dollar

Canadian Imperial Bank of Commerce (CM) – Geschäftsmodell: Kostenstruktur

Gehälter und Vergütung der Mitarbeiter

Im vierten Quartal 2023 beliefen sich die gesamten Mitarbeiterausgaben von CIBC auf 4,98 Milliarden CAD. Die Bank beschäftigte rund 44.000 Vollzeitmitarbeiter mit einem durchschnittlichen Vergütungspaket von 113.636 CAD pro Mitarbeiter.

Kostenkategorie	Betrag (CAD)	Prozentsatz der Gesamtausgaben
Grundgehälter	3,234,000,000	65%
Leistungsprämien	826,000,000	16.6%
Leistungen und Rente	914,000,000	18.4%

Wartung von Technologie und Infrastruktur

CIBC investierte im Jahr 2023 1,2 Milliarden CAD in Technologie und digitale Infrastruktur.

• Cloud-Computing-Ausgaben: 215 Millionen CAD
• Cybersicherheitsinfrastruktur: 180 Millionen CAD
• Wartung der Digital-Banking-Plattform: 345 Millionen CAD
• IT-Hardware- und Software-Upgrades: 460 Millionen CAD

Betriebskosten des Filialnetzes

CIBC unterhielt 1.100 Filialen in ganz Kanada mit jährlichen Betriebskosten von 762 Millionen CAD.

Filialausgabenkategorie	Betrag (CAD)
Miete und Ausstattung	342,000,000
Dienstprogramme	124,000,000
Gehälter für Filialmitarbeiter	296,000,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Gesamtaufwendungen von CIBC für die Einhaltung gesetzlicher Vorschriften beliefen sich im Jahr 2023 auf 415 Millionen CAD.

• Rechts- und Compliance-Abteilung: 186 Millionen CAD
• Regulatorische Meldesysteme: 98 Mio. CAD
• Infrastruktur zur Bekämpfung der Geldwäsche: 131 Mio. CAD

Aufwendungen für Marketing und Kundenakquise

CIBC gab im Jahr 2023 328 Millionen CAD für Marketing und Kundenakquise aus.

Marketingkanal	Aufwand (CAD)
Digitales Marketing	142,000,000
Traditionelle Medienwerbung	98,000,000
Sponsoring und Events	88,000,000

Canadian Imperial Bank of Commerce (CM) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Krediten und Hypotheken

Für das Geschäftsjahr 2023 meldete CIBC einen Nettozinsertrag von 10,3 Milliarden US-Dollar. Die Nettozinsmarge im Privatkundengeschäft betrug etwa 2,43 %. Wohnhypothekenportfolio im Wert von 224,2 Milliarden US-Dollar.

Kreditkategorie	Gesamtwert des Portfolios	Durchschnittlicher Zinssatz
Wohnhypotheken	224,2 Milliarden US-Dollar	5.12%
Privatkredite	87,6 Milliarden US-Dollar	6.75%
Gewerbliche Kredite	132,4 Milliarden US-Dollar	6.35%

Gebühren für das Investmentbanking

CIBC Capital Markets erwirtschaftete im Jahr 2023 Investmentbanking-Gebühren in Höhe von 1,2 Milliarden US-Dollar. Zu den wichtigsten Einnahmequellen gehören:

• Beratung bei Fusionen und Übernahmen: 412 Millionen US-Dollar
• Underwriting-Dienstleistungen: 538 Millionen US-Dollar
• Handelsumsatz: 250 Millionen US-Dollar

Erträge aus der Vermögensverwaltung

CIBC Asset Management meldete im Jahr 2023 einen Gesamtumsatz von 835 Millionen US-Dollar. Die Aufschlüsselung umfasst:

Segment Asset Management	Einnahmen
Investmentfonds	412 Millionen Dollar
Institutionelle Investitionen	287 Millionen Dollar
ETF-Management	136 Millionen Dollar

Gebühren für Kreditkartentransaktionen

Der Umsatz aus Kreditkartentransaktionen belief sich im Jahr 2023 auf insgesamt 743 Millionen US-Dollar. Die durchschnittliche Transaktionsgebühr betrug 1,85 %.

• Insgesamt ausgegebene Kreditkarten: 4,2 Millionen
• Jährliches Transaktionsvolumen: 62,3 Milliarden US-Dollar
• Durchschnittliche Transaktionsgebühr: 1,85 %

Versicherungs- und Vermögensverwaltungskommissionen

CIBC Insurance and Wealth Management erwirtschaftete im Jahr 2023 Provisionseinnahmen in Höhe von 1,1 Milliarden US-Dollar.

Einnahmequelle	Provisionsbetrag
Lebensversicherungsprovisionen	412 Millionen Dollar
Vermögensverwaltungsberatung	538 Millionen US-Dollar
Ruhestandsplanungsdienste	150 Millionen Dollar

Canadian Imperial Bank of Commerce (CM) - Canvas Business Model: Value Propositions

You're looking at the core promises Canadian Imperial Bank of Commerce makes to its clients, which are deeply tied to its structure as a major North American financial player. The value proposition centers on comprehensive service delivery across its distinct, yet connected, operational areas.

Full-service, diversified banking across four core business units is the foundation. Canadian Imperial Bank of Commerce delivered a record financial performance in fiscal 2025, with net earnings reaching CAD 8.5 billion and revenues hitting CAD 29 billion, a 14% increase year-over-year. The bank's resilience is shown by its Common Equity Tier 1 (CET1) ratio of 13.3% and a Liquidity Coverage Ratio (LCR) of 132% as of October 31, 2025. This diversification supports top-tier returns, with the Return on Equity (ROE) for the year at 14.4%.

The strength of this diversification is visible in the fourth quarter of 2025 net income across the main segments:

Business Unit	Q4 2025 Net Income (CDN)	Year-over-Year Growth
Canadian Personal and Business Banking	$796 million	Stable to prior year (Adjusted)
Canadian Commercial Banking and Wealth Management	$603 million	9.4% increase
Capital Markets	$548 million	58% jump

The bank returned approximately CAD 5 billion to shareholders through dividends and buybacks in 2025. Also, the quarterly common share dividend was raised to $1.07 per share for the quarter ending January 31, 2026, up from $0.97.

Differentiated service model for Mass Affluent clients (Imperial Service) provides a dedicated experience. This service achieved record-high Net Promoter Scores (NPS) in 2025. For wealth generation, Canadian Imperial Bank of Commerce ranked in the top 2 of the Big Six banks for total mutual fund net sales in 2025. This service tier historically targets clients with at least $100,000 in investible assets.

Award-winning mobile and online banking experience is a key differentiator in personal banking. Canadian Imperial Bank of Commerce received the 2025 Mobile Banking Award by Surviscor. They are actively enhancing this with technology like the Real-Time Experience (CIBC CRTeX), an AI-enabled personalization and engagement engine.

The Integrated North American platform for commercial and wealth clients drives cross-business value. In their U.S. commercial and wealth franchise, cross-business referrals grew by 23% from the prior year. The U.S. commercial banking and wealth management segment saw reported net income rise by 92% in Q4 2025. Assets Under Administration (AUA) for Wealth Management reached $108 billion as of Q3 2025, marking a 7% year-over-year increase. The U.S. presence spans six key markets for commercial and wealth services.

Finally, Access to global markets and investment banking expertise is delivered through the Capital Markets unit. This division saw its net income increase by 40% for the full fiscal year 2025. In the fourth quarter alone, Capital Markets generated CDN$548 million in net income, a 58% jump. In Canada, the bank secured a market share of 14.2% among Strategic and Focus clients for its advice and capital markets solutions.

Finance: draft 13-week cash view by Friday.

Canadian Imperial Bank of Commerce (CM) - Canvas Business Model: Customer Relationships

You're looking at how Canadian Imperial Bank of Commerce builds and maintains its connections with clients, which is central to its strategy as a modern, relationship-oriented bank.

Dedicated personal and private wealth advisors for high-net-worth clients form a core part of the relationship strategy, particularly within the Canadian Commercial Banking and Wealth Management segment. This focus is clearly paying off financially; for the fourth quarter of 2025, wealth management posted C$796 million in net income, supported by 17% revenue growth driven by affluent client inflows. The bank continues to prioritize accelerating growth across its Mass Affluent and High-Net-Worth (HNW) franchises in both Canada and the U.S.. This high-touch service is recognized externally; CIBC Private Wealth, US, secured the Best High-Net-Worth Investment Platform award from Private Asset Management for the third consecutive year in 2025. Furthermore, the dedicated Imperial Service model achieved its highest internal Net Promoter Score to date, hitting 74.7 in the second quarter of 2025, underscoring client satisfaction in these intensive relationship programs.

The bank is heavily integrating technology to enhance personalization across its channels. Canadian Imperial Bank of Commerce won the 2025 Digital Banker Award for Best Use of AI for Customer Experience specifically for its innovative AI-powered voice assistant, showing a commitment to data-driven service. This investment in AI is yielding tangible operational benefits, with the bank reporting 200,000 hours saved since the launch of its internal AI platform. The emphasis is on using data and artificial intelligence to better understand clients and maximize personalization opportunities across both Personal Banking and its direct financial services arm.

For transactional banking, self-service digital channels are critical, especially through Simplii Financial. The bank is successfully expanding its digital capabilities, reporting that digital registration has surpassed 10 million clients, pushing the Digital Registration Rate to a record 81% among Canadian Personal Banking customers engaged across any channel. This digital strength is recognized, as Canadian Imperial Bank of Commerce received the highest ranking in customer satisfaction for both online and mobile banking among Canada's Big 5 banks by J.D. Power in its 2025 study. While specific 2025 new client numbers for Simplii Financial alone aren't provided, the combined CIBC and Simplii Financial operations added 613,000 net new clients during 2024, indicating strong acquisition momentum feeding into the digital ecosystem.

The overall relationship-focused model emphasizes connectivity and trust, which is measured through key performance indicators. The bank's overall Net Promoter Score (NPS) has been hitting all-time highs each quarter as of late 2025, reflecting positive sentiment from these relationship efforts. In the J.D. Power 2025 Canada Retail Banking Satisfaction Study, Canadian Imperial Bank of Commerce ranked second among the Big 5 banks with a score of 607 (on a 1,000-point scale), even as the Big 5 average satisfaction declined 7 points to 604. This focus on client experience earned the bank the 2025 Forrester Customer-Obsessed Enterprise award, being the only retail bank in North America to receive it.

Here is a snapshot of key relationship and digital metrics:

Metric Category	Specific Metric/Value	Period/Context	Source
Wealth Management Performance	C$796 million in Net Income	Q4 2025
Wealth Management Growth	17% Revenue Growth from affluent inflows	Q4 2025
High-Touch Client Satisfaction	74.7 Imperial Service Net Promoter Score	Q2 2025
Digital Adoption	10 million digital registrations surpassed	Late 2025
Digital Penetration	81% Digital Registration Rate	Late 2025
AI Efficiency Gain	200,000 hours saved since AI platform launch	Late 2025
Overall Retail Satisfaction Rank	Ranked Second among Big 5 Banks	2025 J.D. Power Study
Overall Retail Satisfaction Score	607 (out of 1,000)	2025 J.D. Power Study

The bank's strategy relies on several interconnected relationship drivers:

• Deliver high touch, best-in-class advice for Mass Affluent & HNW clients.
• Build a digital-first platform for seamless consumer interactions.
• Leverage the connected franchise to deepen relationships and grow fee revenue.
• Achieve top-tier results in relationship-intensive programs like Commercial Banking and Wealth Management.

The focus on connectivity is key to broadening client relationships and expanding cross-business referrals between commercial banking, wealth management, and capital markets teams.

Canadian Imperial Bank of Commerce (CM) - Canvas Business Model: Channels

You're looking at how Canadian Imperial Bank of Commerce (CM) gets its products and services in front of its 14 million personal, business, public sector, and institutional clients across Canada, the U.S., and globally. The channel strategy is clearly a mix of traditional footprint and aggressive digital adoption, which makes sense given the shift in client preference.

The physical presence is still significant, though clearly being optimized. You see this in the numbers for their brick-and-mortar operations:

• Physical Banking Centres (Branches) in Canada: 991
• ATM Network: Access to CIBC's network, which includes over 3,000+ ATMs available to Simplii Financial clients alone.

The digital channels are where the scale is evident, especially when you look at the direct-to-consumer offering. The bank is pushing hard on digital engagement across its main platform and its digital-only brand.

• Mobile and online banking platforms: Reported active users exceeding 6.2 million.
• Direct-to-consumer digital bank: Simplii Financial serves more than 2 million clients across Canada.

For the more complex, higher-value segments, Canadian Imperial Bank of Commerce relies on specialized human interaction. The focus here is on deep relationships, particularly in the U.S. expansion areas. Here's a snapshot of the performance driving the channel strategy in those specialized units for fiscal 2025:

Channel/Segment Focus	Key Metric (FY 2025 Performance)	Value/Amount
Capital Markets U.S. Franchise	Revenue Growth (YoY)	39%
Capital Markets U.S. Franchise	Net Income Growth (YoY)	50%
U.S. Commercial Banking and Wealth Management	Reported Net Income Growth (YoY)	92%
U.S. Commercial and Wealth Franchise	Cross-Business Referrals Growth (YoY)	23%

Finally, the support structure for these channels involves dedicated teams. The contact centers and advisory teams are the human interface supporting the digital and physical touchpoints. While specific contact center volume isn't public, the structure supports the entire client base, including the digital-first Simplii clients whose operations and call centers are proudly Canadian.

• Dedicated Sales Force: Supports Capital Markets and Commercial Banking segments.
• Contact Centers and Advisory Teams: Provide support and advice across the enterprise.

Canadian Imperial Bank of Commerce (CM) - Canvas Business Model: Customer Segments

You're looking at the core groups Canadian Imperial Bank of Commerce (CM) serves, which is the foundation of their entire operation. Honestly, the bank structures its customer base across its main operating segments, which gives you a clear picture of where their focus lies.

Canadian Imperial Bank of Commerce (CM) serves approximately 15 million personal banking, business, public sector, and institutional clients across Canada, the U.S., and internationally as of late 2025.

Here is a breakdown of the key customer groups, often aligned with the bank's reported business segments, using the latest available Q4 2025 profit figures to illustrate the scale of activity within those client bases:

Customer Segment Group	Associated Business Line	Q4 2025 Segment Profit (CAD)	Key Data Point
Canadian Personal and Business Banking clients	Canadian Personal and Business Banking	$796 million	Revenue grew to $3.19 billion in Q4 2025.
Mass Affluent and High-Net-Worth (HNW) individuals and families	Wealth Management (part of Canadian Commercial Banking and Wealth Management, and US Commercial Banking and Wealth Management)	Included in segment profits	Strategy includes growing the Mass Affluent and Private Wealth franchise.
Middle-market and mid-corporate companies in Canada and the U.S.	Commercial Banking (part of Canadian Commercial Banking and Wealth Management, and US Commercial Banking and Wealth Management)	Canadian Commercial Banking and Wealth Management profit: $603 million; US Commercial Banking and Wealth Management profit: $275 million	Canadian Commercial Banking saw strong year-over-year income growth driven by higher volumes.
Institutional investors and corporate clients globally (Capital Markets)	Capital Markets	$548 million	Net income for the segment was up 58% year-over-year in Q4 2025.
Retail clients of the Costco co-brand credit card	Personal Banking (Co-brand partnership)	Not separately reported	Cardholders earn 3% cash back on restaurants and Costco gas (up to $5,000 net annual purchases in this category).

You can see the breadth of the client base by looking at the segment performance. For instance, the Canadian Personal and Business Banking profit was $796 million in the fourth quarter of 2025. The Capital Markets division, serving institutional and corporate clients, reported net income of $548 million for the same period.

The focus on wealth management clients, which includes Mass Affluent and HNW individuals, is evident in the drivers for the Commercial Banking and Wealth Management segments. Higher revenue in wealth management was primarily due to higher fee-based revenue from higher Average Assets Under Administration (AUA) and Average Assets Under Management (AUM) balances due to market appreciation.

For the retail clients using the co-brand credit card, the value proposition is tied to specific reward tiers:

• 3% cash back on restaurants and Costco gas.
• 2% cash back at other gas stations, EV charging stations, and at Costco.ca.
• 1% cash back on all other purchases, including in-store at Costco Warehouses.

The middle-market and mid-corporate companies are served through the Commercial Banking arms, which saw strong results. Canadian Commercial Banking and Wealth Management posted a profit of $603 million in Q4 2025. The U.S. operations, which also serve commercial clients, saw US Commercial Banking and Wealth Management profit reach $275 million in Q4 2025.

The Capital Markets segment targets institutional investors and corporate clients globally, and its Q4 2025 net income was $548 million, showing significant growth. This division's revenue growth was driven by higher financing revenue and higher fixed income trading revenue in Global Markets, alongside higher underwriting and advisory activity in Corporate and Investment Banking.

Finance: draft 13-week cash view by Friday.

Canadian Imperial Bank of Commerce (CM) - Canvas Business Model: Cost Structure

The Cost Structure for Canadian Imperial Bank of Commerce centers on managing a large operational base while investing heavily in future capabilities. This structure is heavily weighted towards personnel and technology infrastructure, alongside provisions for potential credit losses.

High non-interest expenses of CAD 15,852 million (FY 2025) represent a significant portion of the bank's operating costs for the fiscal year ended October 31, 2025. This compares to CAD 14,439 million in the prior fiscal year 2024.

The cost base is driven by several key areas, which can be partially broken down using Q4 2025 data to illustrate the magnitude of these specific cost drivers:

Cost Component Category	Reported Amount (Q4 2025)	Source Context
Employee Compensation and Benefits	$2.36 billion	Led non-interest expenses in Q4 2025
Computer, Software and Office Equipment	$827 million	A major component of Q4 2025 non-interest expenses

Significant investment in technology, AI, and digital transformation is a recurring theme in cost discussions. For instance, in Q2 2025, non-interest expenses were up primarily due to higher spending on technology and other strategic initiatives. Furthermore, the bank deployed its in-house Generative AI platform, CIBC AI, enterprise-wide in Q3 2025 to drive productivity.

Employee-related compensation and performance-based pay form a substantial part of the operating costs. Adjusted non-interest expenses across multiple quarters in 2025 were noted as being higher mainly due to higher performance-based and employee-related compensation. For the full year 2025, the total non-interest expenses were CAD 15,852 million.

The risk component of the cost structure is captured by the Provision for Credit Losses (PCL) of CAD 2,342 million (FY 2025). This figure was up from CAD 2,001 million in fiscal year 2024. The Q4 2025 PCL was $605 million, up 44% from the same quarter last year, driven by an unfavorable change in the Canadian economic outlook.

Costs associated with maintaining the extensive branch network are embedded within the overall non-interest expenses, alongside technology and personnel costs. The overall reported efficiency ratio for fiscal year 2025 was 54.4%, an improvement from 56.4% in 2024, suggesting efficiency gains were realized despite rising absolute costs.

Key cost drivers influencing the overall structure include:

• Higher spending on technology and other strategic initiatives.
• Higher performance-based and employee-related compensation.
• Costs related to the Canadian Personal and Business Banking segment, where non-interest expenses for Q4 2025 were $1,612 million.
• Legal provisions and software write-downs noted as contributing to expense increases in Q4 2025.

Canadian Imperial Bank of Commerce (CM) - Canvas Business Model: Revenue Streams

You're looking at the core ways Canadian Imperial Bank of Commerce brings in money, which is essential for understanding its financial engine. Honestly, for a bank this size, it all boils down to the spread between what it pays for money and what it earns lending it out, plus all the service fees it collects.

The primary engine remains the net interest spread. For the full fiscal year 2025, Canadian Imperial Bank of Commerce booked a Net Interest Income of CAD 15,769 million from its extensive lending activities across personal, business, and commercial segments. This number reflects the core banking function: the difference between interest earned on assets like loans and interest paid on liabilities like deposits.

Next up is the fee and commission side of the house, which is becoming increasingly important for diversified revenue. For fiscal year 2025, Canadian Imperial Bank of Commerce reported Non-interest Income of CAD 13,364 million, primarily sourced from fees and commissions across its various business units. This income stream is critical for stability when net interest margins fluctuate.

The wealth management segment is a major contributor to that non-interest income, directly tied to the assets it manages for clients. As of October 31, 2025, the scale of these assets was significant:

Metric	Amount (CAD) as of FYE Oct 31, 2025
Assets Under Administration (AUA)	$3,998,199 million
Assets Under Management (AUM)	$430,982 million

Fee-based revenue from these Assets Under Management (AUM) and Administration (AUA) grew, helped by market appreciation and increased client activity, particularly in the Wealth Management division. The AUA figure includes the full contract amount from the 50/50 joint venture with The Bank of New York Mellon, which stood at $3,117.4 billion at year-end.

Capital Markets activities provide another vital, though often more volatile, revenue source. This includes revenue generated from market-making and advisory services. For instance, in the fourth quarter of 2025, market-related fees saw an 18% increase, which was helped by constructive markets showing particularly strong growth in trading, underwriting and advisory services. The U.S. Capital Markets franchise specifically saw revenue growth of 39% year-over-year for fiscal 2025, indicating successful expansion in that area.

Finally, for shareholders, the return on capital is demonstrated through distributions. Canadian Imperial Bank of Commerce approved a Quarterly common share dividend of CAD 1.07 per share for the quarter ending January 31, 2026, which was an increase from the previous CAD 0.97 per share.

The key drivers feeding these revenue streams can be summarized by the sources of fee and commission income:

• Fee-based revenue from higher average AUA and AUM balances.
• Higher commission revenue from increased client activity.
• Strong debt underwriting and advisory revenue from Corporate and Investment Banking.
• Robust trading revenue from Global Markets.

Finance: draft 13-week cash view by Friday.