Canadian Imperial Bank of Commerce at National Bank Financial Services Conference (Virtual) Transcript
Well, good morning, again. I'd like to welcome our next presenter to the virtual stage, Mr. Shawn Beber, Senior Executive Vice President of CIBC and Chief Risk Officer of the bank, job he's had since February 2020, which was an auspicious time to jump into that role, no doubt.
Good morning, Shawn.
Morning. Thanks very much for having me.
It's a pleasure. We've got 4 P&C heads, so it's a nice twist, I guess, to have the Chief Risk Officer for the presentation.
Questions & Answers
I'd like to start out. Just -- this is maybe like a ballpark answer type question, but we keep hearing about how credit conditions, how they've evolved over the past few quarters. Anyway, they've been -- they're far better than what you were thinking at the outset of COVID. Obviously, there's a lot of unknowns at the time. Is there a way to put that into like a number sense? So what you were thinking around this time last year
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