Will I be accepted into UBC, Toronto or Ryerson University?

I have not worked very hard on academics till now, but have started and I still have time for my final exams to begin (around 4 months more). I am in the IB board and in the second year of my Diploma Program. I am sure I can get a score more than my predicted grades but I don’t know on what basis are these universities going to accept me. I’m applying for B.com in marketing and want to know whether I stand a chance or now? I’ve applied for Fall 2017.

No one can help you if you don’t share your predicted IB scores or your other details.