RE:G&MCibc increased dividends and general fear of banking and banks should not be seen as all banks being effected equally. Cibc is said to have asset risk in the US but have a bit more risk for a "bank its size" in loans in real estate/mortgages. That being said not much the banks can do other than extend the repayments to over 25 years of mortagages and set rates according to what they are and have been along with going back to having high threshholds to lend money out. They should have never abandoned 30,000 down plus proof of combined income big mistake that Canada made especially in light of ever increasing property values. First it went to $5000 down then to 0 from my recollect who the f'ck is so stupid to have gone with that? There was a reason for $20,000 to $30,000 down but clearly the conservative Canadians followed the stupidity of the US and now has to mop up the mess but the credit loaning needs way tighter controls especially in buying real estate.that said CIBC is projected to be profitable from what i am reading sub $64 is a joke actually. Just saying this Thursday will show where things are and if reports projections are right. Doesnt matter about the others you cant draw generalizability to specific risk exposures and performance