CIBC Investor Presentation

Exposure to vulnerable sectors represents 2% of our lending portfolio Leisure & Entertainment Loans Outstanding Retailer Loans Outstanding Restaurants 32% $3.6B Air Transport 14% Hotels/Motels 18% Auto Dealers 43% $4.7B Other Retail 12% Auto Parts Retailers 13% Department & Convenience Stores 6% Food, Beverage & Drug - Retail 18% Household Furnishing Stores 5% Amusement & Recreation¹ 36% Retail Clothing 3% • 28% of drawn loans investment grade² • The U.S. comprises 19% of drawn exposure • 52% of drawn loans investment grade² The U.S. comprises 4% of drawn exposure CIBC 1 Includes amusement services, gambling operations, sports clubs, horse racing, movie theaters, ski facilities, golf courses, etc. 2 Incorporates security pledged; equivalent to S&P/Moody's rating of BBB-/Baa3 or higher. CIBC Investor Presentation | 54

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