Investor Presentaiton

Canadian Uninsured Residential Mortgages - Q4/20 Originations Beacon Distribution 12% 11% 12% 4% 3% 3% ≤650 46% 41% 42% 28% 29% 23% 15% 17% 14% 651-700 701-750 751-800 >800 ■ Canada ■GVA² ■GTA² Loan-to-Value (LTV)1 Distribution 33% 28% 29% 19% 15% 16% 12% 9% 6% 7% 7% 5% <30% 44% 41% 29% 30 to <45% 45 to <60% 60 to ≤75% >75% ■ Canada ■ GVA² ■GTA² • Originations of $14B in Q4/20 Average LTV1 in Canada: 63% GVA²: 58% GTA²: 62% 1 LTV ratios for residential mortgages are calculated based on weighted average. See page 63 of the 2020 Annual Report for further details. 2 GVA and GTA definitions based on regional mappings from Teranet. CIBC CIBC Fixed Income Investor Presentation | 50

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