Canada's banking regulator's latest proposal to increase capital requirements puts the most stress on CIBC depending on how much of the portfolio ultimately moves to a negative amortization, Rizvanovic said, adding that BMO and TD would face "a very manageable impact." Bank of Montreal BMO.TO, CIBC CM.TO and TD Bank TD.TO each allow for negative amortization as rates rise. On Wednesday, the central bank pushed back its expectations for getting inflation to its 2% target by six months to mid-2025, in a sign interest rates are likely to stay higher for longer.