2022 Balance Sheet Benchmarking Industry 
Tom Spencer
OCTOBER 13, 2023
Image 1: Illustrative example of a bank’s net interest income and margin Source: CIBC’s 2022 Annual Report 1.2 It’s also important to note that TSR is influenced by various factors beyond a bank’s direct control, such as market conditions, industry trends, and investor sentiment.
Tom Spencer
OCTOBER 6, 2023
A bank’s income statement can be simplified into five main line items: Net interest income Non-interest income Operating expenses Provision for credit losses (PCL) Tax Image 1: Illustrative example of a bank’s income statement Source: CIBC’s 2022 Annual Report 1. the spread).
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